Kenya's M-Pesa Daraja API specialists. We build STK Push integrations, digital wallets, USSD banking apps, payment gateways, and full fintech platforms for Kenya's mobile-first economy. CBK-compliant. Fast delivery.
Kenya is Africa's fintech leader — over 80% of adults use M-Pesa. If your business can't accept or send M-Pesa payments seamlessly, you're losing revenue. Delights Web Services has integrated M-Pesa for hundreds of Kenyan businesses — from e-commerce shops to banks and SACCOs.
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M-Pesa Daraja API Integration
Full M-Pesa Daraja API integration for your website or app. STK Push, C2B paybill, B2C disbursements, B2B payments, reversals, balance queries, and transaction status. Sandbox to production.
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Payment Gateway Integration Kenya
Pesapal, iPay, Flutterwave, Stripe, and PayPal integration for Kenyan e-commerce and SaaS businesses. Accept cards, M-Pesa, Airtel Money, and bank transfers on one checkout.
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Digital Wallet Platform
Custom e-wallet with P2P transfers, top-up via M-Pesa/bank, withdrawals, transaction history, and loyalty features. Built for Kenyan fintechs, SACCOs, and corporates.
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USSD Banking App Kenya
Feature-phone accessible banking and payments via USSD (*xxx#). Integrated with Safaricom and Airtel. Reach the 40% of Kenyans who don't have smartphones.
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Lending & BNPL Platform
Credit scoring engine, loan origination, repayment automation via M-Pesa, and loan management dashboard. CBK Digital Credit Provider (DCP) compliant for Kenyan lenders.
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Fintech Platform Maintenance
Ongoing API version upgrades (Safaricom updates Daraja regularly), security patches, uptime monitoring, and M-Pesa reconciliation support. Monthly retainers from KES 30,000.
M-Pesa API Guide
How M-Pesa Daraja API Integration Works
1
Safaricom Developer Account & Sandbox Setup
We set up your Safaricom Developer Portal account, configure the sandbox environment, and test all required API endpoints before going live.
2
API Selection & Integration Architecture
We identify which Daraja APIs you need (STK Push for payments, B2C for disbursements, etc.) and design the integration architecture to fit your existing tech stack.
3
Development, Testing & Security Review
We build the integration, implement webhook callbacks, handle timeouts and reversals, and conduct a security review before production go-live.
4
Production Launch & Monitoring
We submit your go-live application to Safaricom, handle the approval process, deploy to production, and set up transaction monitoring dashboards for your finance team.
💰 M-Pesa & Fintech Pricing — Kenya 2026
Service
Unit
Price (KES)
M-Pesa Daraja API IntegrationFull API suite + sandbox to production
All prices exclude 16% VAT. Contact us for a tailored fintech quote.
★★★★★
"Our e-commerce platform went from idea to launch in 8 weeks. The DWS team understood exactly what we needed for the Kenyan market — M-Pesa integration worked flawlessly from day one and our conversion rate jumped 60%."
AO
Aisha Oduya
Founder, NaiShop Online — Nairobi
FAQs
M-Pesa & Fintech Kenya — Common Questions
A standard M-Pesa STK Push integration takes 2–4 weeks including sandbox testing, security review, and Safaricom go-live approval. Full API suites (STK, B2C, B2B, C2B) typically take 4–6 weeks.
Yes. We can integrate M-Pesa into any website or application regardless of the tech stack — WordPress, Laravel, Django, Node.js, React Native, Flutter, and more. We provide the backend integration and frontend checkout UI.
Yes. We prepare all required documentation for Safaricom's go-live review, submit the application on your behalf, and liaise with Safaricom's Daraja support team throughout the approval process.
Beyond M-Pesa, we integrate Pesapal, iPay Africa, Flutterwave, Stripe, PayPal, Airtel Money, Equity Bank EazzyPay, and KCB's payment APIs for Kenyan businesses.