Cash is No Longer King in Kenya
91% of Kenyan adults use M-Pesa. It's not just a payment method — it's how the country moves money. From buying vegetables at the market to paying school fees and running businesses, mobile money is woven into daily life. Yet countless websites still treat payments as an afterthought: a contact form, a request to "call to arrange payment," a bank account number requiring manual verification. For the Kenyan consumer this isn't just inconvenient — it's a reason to take their business elsewhere.
The cost of poor payment integration:
- Abandoned transactions — customers leave when they can't pay instantly
- Manual reconciliation — staff time wasted matching payments to orders
- Delayed confirmations — customers wait hours for payment verification
- Payment errors — wrong amounts, failed transactions, refund headaches
- Lost trust — if payment fails, customers question your entire business
In Kenya's digital economy, your website isn't complete until it accepts mobile money. Every day you delay integration you're not just missing sales — you're frustrating customers who expect to pay the way they live.
The Payment Integration Opportunity
Kenya has built one of the world's most advanced digital payment ecosystems. With Safaricom's Daraja API, businesses can integrate M-Pesa directly into their websites — enabling instant, secure, and automated transactions. The opportunity isn't just for e-commerce. Any business that collects payments — deposits, fees, donations, subscriptions — can benefit from automation.
Market Reality
- 91% of Kenyan adults use M-Pesa
- Mobile money transactions exceed bank transfers
- Customers expect instant payment confirmation
- Card payments growing among middle and upper segments
Business Benefits
- Instant payment confirmation — no manual work
- Reduced cart abandonment
- Automated reconciliation
- Professional, trustworthy brand image
The infrastructure is ready. The customers are ready. The question is whether your website is.
What Payment Integration Delivers
Professional payment integration transforms your website from an information source into a transaction engine:
Your website becomes a revenue-generating asset — processing payments automatically while you focus on running your business.
Our Payment Integration Services
We integrate the full spectrum of Kenyan payment options — from mobile money to traditional banking.
M-Pesa Daraja API Integration
The official Safaricom API for businesses. We integrate directly with M-Pesa's production environment, enabling secure, reliable transactions.
- Production-ready integration
- Secure credential management
- Transaction status callbacks
- Error handling & retry logic
- Test environment sandbox
- Compliance with Safaricom requirements
STK Push (Lipa Na M-Pesa Online)
The gold standard for M-Pesa payments. Customers receive a prompt directly on their phone — no need to open the M-Pesa app or enter a till number.
- One-click mobile payment
- No till numbers to remember
- Automatic amount entry
- Instant payment confirmation
- Reduced user error
- Higher conversion rates
Paybill & Till Number Integration
For businesses that already have Paybill or Till numbers. We integrate them into your website with clear payment instructions and automated confirmation.
- Dynamic account numbers per transaction
- Automated payment validation
- Transaction matching to orders
- Reconciliation reporting
Card Payments (Visa & Mastercard)
For customers who prefer cards — whether Kenyan or international. We integrate secure gateways that accept Visa, Mastercard, and American Express.
- PCI-DSS compliant integration
- Popular gateways (Pesapal, DirectPay, iPay)
- Tokenization for recurring payments
- 3D Secure authentication
Recurring Billing & Subscriptions
For membership sites, SaaS platforms, or subscription services. Automated recurring billing via M-Pesa or cards.
- Daily, weekly, monthly billing cycles
- Automated payment reminders
- Failed payment handling
- Customer billing portals
Bank Transfer & EFT Integration
For high-value transactions or business-to-business payments. Bank transfer instructions with automated confirmation via webhooks.
- Automated payment matching
- Reference number tracking
- Partial payment handling
- Reconciliation reports
How Payment Integration Works
Customer Initiates Payment
At checkout, the customer selects M-Pesa, card, or bank transfer. For M-Pesa, they enter their phone number.
API Request Sent
Your website securely calls the payment API (Daraja for M-Pesa, gateway for cards) with transaction details.
Customer Authorises
For STK Push, the customer receives a phone prompt and enters their PIN. For cards, they enter details on a secure form.
Instant Confirmation
The API returns success or failure immediately. Your website updates the order status and shows confirmation.
Automated Reconciliation
Payment data is logged, matched to orders, and available in your reports — no manual work required.
Security & Compliance
PCI-DSS Compliance
We ensure card data is handled according to Payment Card Industry standards. Sensitive data is never stored on your servers.
SSL Encryption
All payment transactions occur over encrypted connections (HTTPS). Data is fully protected in transit.
Tokenization
For recurring payments, we use tokens instead of storing actual card or account numbers.
Data Protection Act
Our integrations comply with Kenya's Data Protection Act requirements for handling personal information.
We take security seriously. All integrations follow industry best practices and are regularly audited. Your customers' payment data is always protected.
Who Needs Payment Integration?
Sell products online with instant M-Pesa and card payment.
Accept consultation fees, deposits, and patient payments.
Collect fees, application payments, and deposits online.
Take booking deposits and final payments via website.
Accept donations via M-Pesa and cards with instant receipts.
Recurring billing for memberships and ongoing services.
Lawyers, consultants, accountants — accept retainers and fees.
Collect rent, deposits, and application fees online.
Industries We Serve
Payment integration tailored to specific industry requirements:
Payment Integration Pricing
Transparent, fixed-price integration for Kenyan payment systems. No hidden fees or ongoing royalties.
M-Pesa Basic
KES 45,000
One-time integration
- Paybill/Till number integration
- Payment validation & confirmation
- Order status automation
- Basic reconciliation
- Setup & testing
STK Push
KES 75,000
One-time integration
- Everything in Basic +
- Full Daraja API integration
- STK Push (Lipa Na M-Pesa Online)
- Real-time payment callbacks
- Advanced reconciliation
- 30 days post-launch support
Complete Payments
KES 120,000
One-time integration
- Everything in STK Push +
- Card payments (Visa/Mastercard)
- Multiple gateways
- Recurring billing setup
- Bank transfer integration
- 60 days priority support
Prices are for integration only. Payment gateway and provider fees apply separately. Custom requirements quoted individually.
Frequently Asked Questions
Do I need a Paybill or Till number for M-Pesa integration?
For basic Paybill/Till integration, yes — you need an active Paybill or Till number from Safaricom. For STK Push (Lipa Na M-Pesa Online), you need a registered business and a Paybill number. We guide you through the requirements during consultation.
How long does payment integration take?
Typically 1–2 weeks for basic integration, 2–3 weeks for STK Push, and 3–4 weeks for a complete payment suite. Timelines depend on your readiness (having Paybill, gateway accounts) and any custom requirements.
What are the ongoing costs?
Our integration fee is one-time. Ongoing costs are payment provider fees: M-Pesa transaction fees (Safaricom's standard tariff), card processing fees (typically 2–3%), and any monthly gateway fees. We are fully transparent about all expected costs before you commit.
Can you integrate with my existing website?
Yes — we add payment integration to existing websites regardless of who built them. We assess your current platform and recommend the best approach. For very outdated sites, we may recommend a redesign alongside payment integration.
What about refunds and reversals?
We build refund management into your admin dashboard. For M-Pesa, this involves initiating reversals through the API. For cards, refunds go through the gateway. We ensure your team has the tools to handle customer refunds efficiently.
Ready to Accept Payments Online?
Stop losing sales to payment friction. Let's integrate M-Pesa and cards into your website so you can start accepting payments the way Kenyan customers prefer.
Get Free Consultation