How an M-Pesa payment works
The customer enters an 84 or 85 number, approves the request on their phone and only then is the payment settled.
- Start a charge from the dashboard, a payment link or the API.
- Real operator confirmation — nothing is marked paid without Vodacom's response.
- One reference per transaction in the PAY-XXXXX format.
- Real-time settlement of the net amount to your balance.
Automatic M-Pesa payouts
Payouts to a configured M-Pesa wallet run through the production B2C engine automatically, with full audit logging.
Developer integration
One API covers M-Pesa and every other method, authenticated with API key, Merchant ID, Wallet ID and base URL, with HMAC-SHA256 signed webhooks.
Pricing
Flat 10% per successful transaction. No monthly fee, no setup cost.