M-Pesa Integration
Accept, Collect and Disburse Money via Kenya's M-Pesa
Accept, Collect and Disburse Money via Kenya's M-Pesa
Integrate M-Pesa into your systems with MobiWave on Safaricom's official Daraja API. Trigger STK Push (Lipa Na M-Pesa), receive C2B payments on your paybill or till, run B2C disbursements and B2B transfers, and auto-reconcile every transaction — then bundle SMS, USSD and WhatsApp on one Kenyan account with 24/7 local support.
Get StartedKey Features
Practical capabilities built for delivery, control, and measurable growth.
STK Push (Lipa Na M-Pesa online) for one-tap checkout
C2B payments on paybill and till with validation + confirmation
B2C disbursements for salaries, refunds and payouts
B2B transfers between registered businesses
Real-time transaction callbacks to your CallbackURL
Automatic reconciliation against incoming payments
Transaction status queries and reversals
Account balance queries
Daraja sandbox plus production keys (no code changes to switch)
Webhook events and a reconciliation dashboard
Why Choose Our M-Pesa Integration Service?
- Reach 30M+ M-Pesa users across Kenya from one integration
- Instant payment confirmations with full status visibility
- Bank-grade security on Safaricom’s official Daraja API
- Detailed transaction reports and audit-ready reconciliation
- Simple REST integration with SDKs and a sandbox
- 24/7 local Nairobi support via phone, email and WhatsApp
Get Started Today
Ready to transform your business communication? Contact us today to learn more about our M-Pesa Integration service.
Use Cases
See how businesses like yours are using our M-Pesa Integration service.
E-commerce checkout
Trigger STK Push at checkout so customers pay in seconds from the M-Pesa menu on their phone.
Bill & fee payments
Collect school fees, utility bills, SACCO dues and invoices via C2B with instant confirmation.
Salaries & loan disbursement
Run B2C payouts for salaries, contractor payments, refunds and approved loan disbursements.
Donations & contributions
Capture church, charity and chama contributions through STK Push with automatic receipts.
Subscriptions & recurring
Collect recurring membership and subscription payments with scheduled STK Push prompts.
Marketplace escrow
Hold, release and refund seller payouts with B2C and reversal support built in.
Field & agent float
Top up agents and field staff via B2C, then reconcile against your ledger in real time.
Government & NGO payouts
Disburse grants, stipends and relief funds directly to beneficiaries’ M-Pesa wallets.
How M-Pesa Integration works in Kenya
From registration to live delivery, here is what working with MobiWave looks like.
Register your Daraja app
MobiWave sets up your Safaricom Daraja application using your registered business, KRA PIN and paybill or till number. Daraja registration is free — there is no setup fee to integrate.
Get your keys and shortcode
We provision your consumer key, consumer secret and the Lipa Na M-Pesa shortcode, then configure the CallbackURL where Safaricom will post every transaction result.
Test in the sandbox
Use the Daraja sandbox to simulate STK Push, C2B confirmations, B2C disbursements and reversals with test credentials — validate your callbacks before going live.
Go live on production
Safaricom approves the production app and we flip your keys to live. Trigger real STK Push, C2B and B2C calls from your app, checkout or USSD flow with no code changes.
Reconcile automatically
Every transaction streams back via webhook into MobiWave’s reconciliation dashboard. Match payments to orders, customers or invoices and export audit-ready reports.
Bundle with SMS, USSD & WhatsApp
Add bulk SMS, USSD menus and WhatsApp to the same MobiWave account — confirm payments, send receipts and run reminders from one billing line and one support contact.
MobiWave vs other providers in Kenya
A side-by-side look at how MobiWave compares on the things that matter for Kenyan organisations.
| Capability | MobiWave | Africa's Talking | Celcom Africa | Twilio |
|---|---|---|---|---|
| Native Daraja STK Push | Yes — native | Yes | Yes (reseller) | Limited / not native |
| C2B paybill & till | Full (validation + confirmation) | Yes | Yes | Not native |
| B2C disbursements | Yes | Yes | Yes | Not native |
| Automatic reconciliation | Built-in dashboard + webhooks | API callbacks | API callbacks | N/A |
| Sandbox + production keys | Yes | Yes | Yes | N/A |
| Bundle with SMS, USSD & WhatsApp | One account | Add-ons | Add-ons | Separate products |
| Local 24/7 support | Phone + WhatsApp | Developer-only | Business hours | No local team |
All providers sit on Safaricom’s Daraja API; transaction charges follow Safaricom’s published tariff and are separate from any integration fee. Twilio is not a native Daraja reseller in Kenya.
Pricing
Choose the plan that best fits your business needs.
API Integration
- Free Daraja app registration
- Consumer key, secret & shortcode
- Sandbox + production keys
- CallbackURL configuration
- Standard support
Managed Payments
- STK Push, C2B & B2C live
- Webhook callbacks
- Reconciliation dashboard
- Safaricom tariff applies per transaction
- 24/7 support
Enterprise
- High-volume throughput
- Custom SLAs and escalation
- Dedicated account manager
- Bulk disbursement workflows
- Named engineer + onboarding
M-Pesa Integration questions, answered.
The practical questions Kenyan organisations ask about m-pesa integration, with straight answers and KES pricing where it applies.
Still have a question? Talk to us →Registering on Safaricom’s Daraja API is free — there is no setup fee to integrate M-Pesa through MobiWave. Beyond that, Safaricom levies transaction charges per its published tariff: on C2B the customer pays the charge, and on B2C the business pays the disbursement fee. MobiWave’s integration and support are quote-based for managed and enterprise volumes — contact us for a tailored plan.
Get in touch with our team today to discuss how MobiWave can help your business communicate more effectively.