In 2017, Safaricom launched its M-PESA Application Programming Interfaces (APIs) portal known as Daraja — a major milestone that opened up secure and seamless digital payments integration for businesses of all sizes.

Through Daraja, developers and organizations can easily connect their internal systems to M-PESA, enabling automation and real-time transaction processing. The platform provides a robust suite of APIs including:

• Customer-to-Business (C2B) – Supports PayBill and Lipa na M-PESA Buy Goods payments, allowing customers to pay directly from their phones.

• Business-to-Customer (B2C) – Enables organizations to automate disbursement of funds such as salaries, refunds, dividends, and wallet withdrawals — directly to customer M-PESA accounts.

• Business-to-Business (B2B) – Facilitates secure business-level fund transfers for suppliers, merchants, and partners.

• STK Push (Lipa na M-PESA Online Checkout) – Initiates real-time payment prompts on a customer’s phone for e-commerce, utility payments, and mobile apps.

• Transaction Status & Reconciliation APIs – Provide instant visibility into payments, pending transactions, and real-time reconciliation capabilities.

✅ Our M-PESA Integration Solution

We provide a fully developed M-PESA integration software product that acts as a real-time bridge between Safaricom’s Daraja APIs and your organization’s internal systems such as:

• Accounting systems

• ERP solutions

• Payroll software

• Point of Sale (POS) platforms

• Mobile or web applications

Our solution enables:

• Automated posting of incoming C2B transactions into your accounting/POS system for faster reconciliation.

• Instant processing of B2C & B2B payments, eliminating manual disbursements and cash handling.

• Secure and compliant data exchange, ensuring protection of financial and personal information.

• Complete audit trails and accurate reporting to improve financial transparency.