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đŸ’ŗ M-Pesa & Fintech Solutions Kenya

M-Pesa & Fintech Solutions for Kenya

Kenya's M-Pesa Daraja API integration specialists. We build digital payment platforms, USSD banking apps, and custom fintech solutions for Kenya's mobile-first economy. CBK-compliant from day one.

đŸ’ŗ Fintech Services at a Glance
  • ✓ M-Pesa Daraja API — STK Push, B2C, B2B, C2B
  • ✓ Digital Payment Gateway Development
  • ✓ USSD Banking App Development
  • ✓ Mobile Wallet & Lending Platforms
  • ✓ CBK-Compliant Fintech Architecture
M-Pesa integration from
KES 25,000

Every M-Pesa API Integration You Need

We are certified M-Pesa Daraja integration experts covering all Safaricom APIs. Whatever your payment flow, we've built it before.

📱

STK Push

Prompt customers to pay via their phone with a single tap. The most popular M-Pesa integration in Kenya.

C2B
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Business to Customer (B2C)

Send money from your business to customer phones — for salaries, refunds, and disbursements.

B2C
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Business to Business (B2B)

Pay suppliers and partners directly via M-Pesa B2B for seamless business transactions.

B2B
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C2B Pay Bill & Buy Goods

Accept customer payments to your Pay Bill or Till Number with real-time confirmation callbacks.

C2B
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Transaction Reversals

Programmatically reverse erroneous M-Pesa transactions to protect customers and your business.

Utility
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Account Balance Query

Check your M-Pesa business account balance in real time via API for automated reconciliation.

Utility
🔍

Transaction Status

Query the status of any M-Pesa transaction to confirm payment or identify failed transactions.

Utility
🌍

Other Payment Gateways

Pesapal, iPay, Flutterwave, Stripe, and multi-currency international payment integration.

Multi-gateway

End-to-End Fintech Solutions Kenya

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Payment Gateway Development

Custom payment gateway portals that aggregate M-Pesa, cards, and bank transfers into a single seamless checkout experience for your customers.

📟

USSD Application Development

Reach Kenya's unbanked population with feature-phone-friendly USSD banking and payment apps that work without internet or smartphones.

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Mobile Wallet Platforms

Full mobile wallet systems with KYC, P2P transfers, bill payments, and transaction history — built for CBK licensing compliance.

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Digital Lending Platforms

Mobile loan systems with credit scoring, loan origination, repayment collection via M-Pesa, and arrears management for Kenyan MFIs and SACCOs.

📊

Financial Reconciliation Systems

Automated reconciliation tools that match M-Pesa transactions to your accounting system — eliminating manual errors and saving hours of finance team time.

🔐

CBK Compliance Architecture

Fintech systems designed to meet CBK's National Payments System regulations, AML/CFT requirements, and data residency rules from the ground up.

Kenya's Most Experienced M-Pesa Team

We've been building M-Pesa-powered applications since the Daraja API launched. No one in Kenya has more hands-on integration experience.

  • 10+ years of M-Pesa integration experience since 2013
  • Safaricom-approved integration partners
  • CBK National Payments System compliance expertise
  • AML/CFT and KYC systems built-in by default
  • Sandbox-to-production support with Safaricom go-live
  • 24/7 monitoring of live payment systems
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Payment Platforms We Integrate

Kenya's full payment ecosystem, covered

💚 M-Pesa Daraja🛒 Pesapal 💙 iPay🌍 Flutterwave đŸ’ŗ StripeđŸĻ Equity EazzyPay 📟 USSD🔷 KCB API

M-Pesa & Fintech FAQ — Kenya

How long does M-Pesa Daraja API integration take? â–ŧ
A basic STK Push integration into an existing website or app typically takes 1–2 weeks including sandbox testing and Safaricom go-live approval. A full custom payment gateway with multiple M-Pesa flows (B2C, B2B, reconciliation) takes 4–8 weeks.
What do I need to start integrating M-Pesa? â–ŧ
You need a registered Safaricom business Pay Bill or Till Number, a Safaricom Daraja developer account, and a live server with a public HTTPS callback URL. We handle all of this for you and manage the Safaricom go-live process on your behalf.
Can you build a CBK-licensed mobile money platform in Kenya? â–ŧ
Yes. We build the technical infrastructure needed for CBK National Payments System licensing, including core wallet architecture, KYC/AML systems, transaction monitoring, and the technical documentation required for CBK submissions.
Do you support recurring M-Pesa payments (subscriptions)? â–ŧ
Yes. We build recurring M-Pesa billing systems using standing order patterns, scheduled STK Push triggers, and smart retry logic — ideal for SaaS platforms, insurance premium collection, and SACCO contributions.

Ready to Accept M-Pesa on Your Platform?

Get your M-Pesa integration live in as little as 2 weeks. Book a free technical consultation with our Daraja API specialists today.

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