STK Push Integration
Customer-initiated payments via Lipa Na M-Pesa Online. Clean UX, retry handling, and post-payment redirect logic.
- Express checkout
- Retry & timeout UX
- Confirmation flow
◆ M-Pesa · Daraja API
M-Pesa integrations done properly.
Senior-level Daraja API integration for Kenyan e-commerce, SaaS, mobile apps, and enterprise platforms. STK Push, C2B, B2C, recurring billing, reconciliation, and webhook hardening — engineered for real production volume.
STK Push
Express checkout
C2B / B2C
Full Daraja coverage
99.95%
Webhook reliability
PCI-safe
Architecture
What proper M-Pesa integration means.
Most M-Pesa integrations in Kenya stop at a working STK Push and a successful test transaction. Then the real world arrives: dropped callbacks, duplicate payments, retries, reconciliation pain, and finance teams stuck in Excel. We engineer Daraja integrations the way payment infrastructure is built globally — with idempotency, observability, reconciliation, and admin tooling from day one.
◆ Capabilities
Every Daraja capability — production-grade.
Subscription Billing
Recurring M-Pesa billing for SaaS and membership products. Customer-managed cards-on-file experience using approved Daraja patterns.
- Recurring charges
- Dunning logic
- Plan upgrades
E-commerce Payments
Full e-commerce M-Pesa checkout — cart-to-confirmation, refund flows, abandoned cart recovery, and order admin.
- Cart integration
- Refund flow
- Admin dashboard
API Integrations
Daraja wired into your existing stack — Shopify, WooCommerce, Stripe, custom systems, ERPs, CRMs, and accounting tools.
- Shopify / Woo
- Custom backends
- Accounting sync
Security & Reliability
Idempotent callbacks, signed webhooks, encrypted credential storage, rate limiting, and observable error states.
- Idempotency keys
- Signed callbacks
- Vaulted credentials
B2C Disbursement
Bulk payouts via M-Pesa B2C — payroll, supplier payments, refunds, marketplace seller payouts.
- Bulk payouts
- Approval workflow
- Audit trail
◆ Industries served
Trusted across every transactional sector.
E-commerce
SaaS platforms
EdTech
FinTech
Logistics & delivery
Healthcare
Hospitality
Marketplaces
◆ FAQ
M-Pesa integration — Answered.
A clean STK Push integration for an existing site or app typically takes 1–2 weeks including testing in Daraja sandbox and Go-Live submission. Subscription billing or B2C disbursement adds another 1–2 weeks for admin tooling and reconciliation.
Yes. We prepare the technical artifacts, IP whitelisting, callback URLs, and supporting documentation, and walk your team through Safaricom's Go-Live submission. Most clients get production credentials within 2–3 weeks.
Yes. We build custom plugins or use vetted ones, depending on your scale. Custom is usually more reliable for serious volume because you control reconciliation logic.
Reconciliation is half of any real M-Pesa engagement. We build admin dashboards that match transactions to orders/invoices, surface mismatches, and export to your accounting system. This alone usually pays for the engagement.
When done properly, yes. We store Daraja credentials in a secrets vault, sign all callbacks, enforce HTTPS and IP allow-listing where supported, use idempotency keys to prevent duplicate processing, and keep full audit trails.
Yes. Multi-merchant routing, marketplace splits, and per-vendor reporting are all supported. Useful for marketplaces, school fee platforms, and aggregators.
◆ Let's build
Ship M-Pesa the way real payment infrastructure ships.
Tell us your product. We'll scope the integration in 48 hours.