KiPay gives your business a complete M-Pesa infrastructure — STK Push, C2B, payouts, and webhooks — through a single API.
No CBK license required · Sandbox included · Live in minutes
WHAT YOU CAN DO
One integration. Paybill, Till, STK Push, and direct bank transfers.
Customer pays via M-Pesa menu. KiPay receives the C2B callback and fires your webhook instantly.
POST /v1/mpesa/c2b/confirmTrigger a payment prompt directly to any Kenyan phone. Customer confirms in seconds.
POST /v1/stk/pushSend funds directly to any Kenyan bank account. Same-day settlement.
POST /v1/payoutsWHY KIPAY
Everything you need to collect, disburse, and reconcile — nothing you don't.
HMAC-SHA256 signed. Dead-letter queue with manual replay.
Subscribe to your payment stream. Build live dashboards without polling.
Trigger M-Pesa prompts programmatically. Sandbox included.
B2C, B2B, PesaLink. Approval workflows for large amounts.
Scoped keys, instant revocation, full audit log.
Auto-built from every payment. Search, filter, export.
Sandbox and live in the same dashboard. Toggle without re-integrating.
INTEGRATION
Sign up, complete KYC, get your sandbox API keys instantly. No waiting, no calls, no paperwork until you're ready to go live.
Dashboard readyOne API, one webhook endpoint. STK Push, C2B, and payouts all flow through the same integration.
Authorization: Bearer sk_live_...Submit KYC documents, get approved, flip the sandbox toggle to live. Your existing integration works unchanged.
LiveDEVELOPER READY
Every endpoint documented. Sandbox mirrors production exactly.
Request
POST /v1/stk/push
Authorization: Bearer sk_sandbox_...
Content-Type: application/json
{
"phone": "254712345678",
"amount": 1500,
"reference": "INV-001",
"description": "Order payment"
}Response · 201
{
"id": "txn_01HZ...",
"checkout_request_id": "ws_CO_...",
"status": "pending",
"phone": "254712345678",
"amount": "1500.00",
"reference": "INV-001",
"environment": "sandbox",
"created_at": "2026-03-24T11:00:00Z"
}PRICING
Pay per transaction. No monthly fees, no setup costs, no minimum volume.
M-Pesa Collections
1%
per transaction
Bank Transfers
KES 50
flat per transfer
Payouts (B2C / B2B)
KES 0
platform fee
Enterprise or high volume? Custom fee schedules are available.
Talk to us →Join businesses already using KiPay to collect, disburse, and reconcile payments across Kenya.