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M-Pesa Integration

M-Pesa Integration for Websites and Apps

Take M-Pesa payments in your website or app through Safaricom's official Daraja API. Whether you need STK Push, C2B or B2C, we build all of it.

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Integration Packages and Prices

You pay once for the development. Sandbox testing and help with Safaricom go-live come with every package.

Basic STK Push
KSh15,000$115.38 /project
One-time fee
  • STK Push, also called Lipa na M-Pesa Online
  • Checkout for one product or service
  • Callback that confirms each payment
  • A sandbox environment for testing
  • Help with going live
  • Simple admin dashboard
  • Technical documentation
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Most Popular
Business
KSh35,000$269.23 /project
One-time fee
  • All of Basic, plus:
  • M-Pesa plugin for WooCommerce
  • C2B API (Customer to Business)
  • B2C API (Business to Customer)
  • A checkout designed around you
  • Reconciliation of transactions
  • Payments dashboard for admins
  • SMS notifications for M-Pesa payments
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Enterprise
KSh70,000$538.46 /project
One-time fee
  • Every Daraja API
  • STK Push, C2B, B2C and B2B
  • M-Pesa Express QR Code
  • Reversal API for transactions
  • Account Balance API
  • In-depth reconciliation
  • Reporting dashboard built to order
  • Support for 6 months after launch
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Built on the Official Safaricom Daraja API

Our Daraja developers work from Nairobi. Every integration we build talks directly to the official Safaricom Daraja API, so there is no middleman and no extra fee in between.

From the Safaricom approval process through to go-live, we walk you through each stage, so the integration is compliant and stable from the first day.

Daraja Services We Build

STK Push
A payment prompt appears on the phone of your customer. It is the most popular way to pay with M-Pesa at an online checkout.
C2B API
Collect the payments customers send to your own Paybill or Till number. Useful for order confirmations and paying for services.
B2C API
Pay money out of your business M-Pesa account to customers or suppliers, for refunds and payouts.
M-Pesa QR Code
Dynamic QR codes that customers scan to pay without contact, in your shop or online.
Transaction Reversal
Reverse an M-Pesa transaction from your own system when you need to refund it or correct a mistake.
Account Balance API
Check the balance of your M-Pesa account from code to help with reconciliation.
Sandbox Testing
We test everything in the sandbox first, so it all works before you go live.
Documentation
Your developers get full technical documentation and a proper handover.
Go-Live Support
We take you through the approval steps at Safaricom and stay with you for the launch.

M-Pesa Integration Questions

First time with Daraja? Read our free guide to M-Pesa integration in Kenya. It explains in plain language how STK Push works, what you need and how long it takes.

A basic STK Push (Lipa na M-Pesa Online) setup on your website starts at KSh 15,000. Business integrations that add C2B confirmation, receipts and a payments dashboard cost more, depending on scope, as the packages above show. Annual maintenance starts at KSh 5,000/year.

Daraja is the official API platform from Safaricom that connects websites and apps to M-Pesa. Through it your system can send STK Push payment prompts, receive confirmations of payments made to a Paybill or Till (C2B), make payouts (B2C) and check the status of a transaction. All legitimate M-Pesa integrations in Kenya run on Daraja.

Yes. We connect WooCommerce checkout to STK Push, and we do the same for custom PHP or Laravel sites, mobile apps, and school and SACCO management systems. The customer approves an M-Pesa prompt on their phone and the order updates on its own.

For most online shops a Till (Buy Goods) is enough, and it is quicker to obtain. A Paybill takes account numbers, which helps when each payment has to be matched to a customer, an invoice or a student. Tell us your volumes and how you will use it, and we will recommend one and help you apply for your own.

All of them: STK Push (Lipa na M-Pesa Online), C2B (validation and confirmation for a Paybill or Till), B2C (payouts from a business), B2B, Transaction Status, Account Balance, Reversal and M-Pesa Express QR.

When the build is finished, we send your go-live application to Safaricom, which checks your business credentials, your website or app and the integration itself. Approval usually takes 3 to 10 business days, and we help you at each stage.

Plan for 1 to 2 weeks on Basic STK Push, 2 to 3 weeks on the Business package and 3 to 5 weeks on Enterprise. Those times include sandbox testing and go-live approval from Safaricom.

Yes. STK Push and C2B payments need a Safaricom Paybill or Till Number registered to your business. If you do not have one yet, we can explain how to get it.

Every call to the Daraja API uses OAuth 2.0 tokens, HTTPS encryption and IP whitelisting. As well as following the security guidelines from Safaricom, we add our own server-side validation.

Yes, through an annual maintenance contract from KSh 5,000/year. It covers API updates, renewal of your Daraja credentials and help with any problem in the integration.

Want M-Pesa on Your Website?

Tell us about the project and we will give you a free consultation and a quote built around it.

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