Let customers in Kenya pay at your online checkout. Connect through an H2H API integration or a hosted payment page, and receive merchant settlements on the same day.
For merchants in Kenya, online payments mean customers complete M-Pesa checkout on your website or app. You choose how the payment step appears: a hosted payment page we provide, or an H2H API integration that keeps checkout in your interface.
Your backend creates the payment and sends the customer to a hosted payment page to complete payment. On Android projects this opens in the browser, not as a native in-app checkout. Postbacks then deliver the transaction status to your backend.
With an H2H API integration, the checkout interface stays on your side, so you control how the payment step looks and flows. Your backend talks to our API directly and receives postbacks with each transaction status, then updates your records.
Mobile money is a major retail payment channel in Kenya. For online checkout, we support one payment method for customers there.
M-Pesa is the only payment method we support for accepting online payments from customers in Kenya. Customers pay through your hosted payment page or H2H API checkout. Your backend then receives a postback with the transaction status, so your platform can update records and show the customer the outcome. The local currency is the Kenyan shilling (KES).
Customer payouts are optional and confirmed per project. Pay-ins, merchant settlements and CSV reports are available as platform operations.
These operational details cover settlement timing, transaction status, reporting and pricing structure, so finance and engineering teams know what to expect before launch.
Merchant settlements are sent on the same day (T+0). This refers to sending the settlement, not instant bank credit or customer payouts.
Our overall transaction success rate is 85%, measured as successful transactions divided by all transactions across the platform. It is an aggregate figure.
Transaction status is delivered to your backend with postbacks. Your platform then updates its records and shows the customer the final outcome.
View statistics in your merchant account, and use CSV transaction reports to support payment checks across your team.
Existing merchants can add supported payment methods at no additional connection cost when their project needs them later.
The number of enabled payment methods does not affect the connection price, so enabling more methods later leaves that price unchanged.
Setup follows three stages, from onboarding to live traffic. Your team keeps control of checkout logic, and the launch date is coordinated with us.
Tell us about your business, platform and expected payment volume. During onboarding we confirm eligibility and required documents. International businesses can apply to accept M-Pesa payments from customers in Kenya; approval is not guaranteed.
Connect through the H2H API or the hosted payment page, then test successful, failed and unfinished payments. Treat an order as paid only when a postback confirms success, so unpaid or pending orders are never marked as paid.
Agree a launch date with our team, then switch to live transactions. After launch, monitor results through statistics in your merchant account and CSV transaction reports, and keep your records aligned with postback statuses.
Our security measures cover how integration access is protected and how we respond to disruptions or incidents. These are the measures we maintain:
Customers can pay with M-Pesa. It is the only payment method we support for online acceptance, and no other method is offered as supported. Existing merchants can add supported payment methods at no additional connection cost, and the number of enabled methods does not affect the connection price.
Merchant settlements are sent on the same day (T+0). This describes when the settlement is sent, not when funds arrive in your bank account, and it does not cover customer payouts, which are optional and confirmed per project.
Yes, international businesses can apply to accept payments from customers there. Approval is not automatic: eligibility and required documents are confirmed during onboarding. Share your company details and project scope with our team to start that review.
Processing fees and transaction limits are agreed per project after you share expected volume and typical amounts. Send those figures to our team so terms can be agreed for your project. The connection price does not depend on how many payment methods you enable.
This service is set up for online acceptance. You connect through an H2H API integration or a hosted payment page, and customers complete payment on your website or app. In-person or point-of-sale acceptance is not part of the integration options described here. Status for every transaction reaches your backend by postback.
Kenya payment gateway overview · Explore M-Pesa payment acceptance
Tell us about your platform, expected volume and typical amounts. We confirm eligibility during onboarding, agree fees and limits for your project, and coordinate integration testing and your launch date.
Contact the team