Merchant payments · Kenya
Collect payments across Kenya.
Accept M-Pesa in Kenyan shillings through a payment gateway for Kenya. Connect your store to hosted checkout, confirm payment from your server and match each collection to an order.
Collect in Kenyan shillings
A checkout built around your orders.
M-Pesa checkout
Collect in whole Kenyan shillings with M-Pesa. Customers authorise on their phones while your store keeps the order open for confirmation.
Your own order references
Associate each payment attempt with a merchant reference. Use it to track the result, investigate exceptions and reconcile orders.
From payment to settlement
Follow each collection through confirmation and compare transaction records against the funds received.
Reconcile collectionsThe payment route
Follow the order from checkout to ledger.
Keep the customer experience and your back-office records aligned at each step.
Create the payment
Send the amount, KES currency and order reference from your server.
Send the shopper to checkout
The customer chooses an enabled method and authorises the payment.
Confirm the result
Verify the server-side result and match it to the original order before fulfilment.
Reconcile the collection
Match order, transaction and settlement records to resolve exceptions.
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For merchants
Questions before you connect
Which payment method can I offer in Kenya?
M-Pesa is the supported method for collections in Kenyan shillings (KES). Confirm activation and transaction limits during onboarding.
How do shoppers complete a payment?
Your server creates a checkout for the order and sends the customer to the hosted payment page. With an enabled mobile-money method, the customer authorises on their phone.
How does my store know an order was paid?
Use the server-side payment result and match it against the order reference, amount and currency before fulfilment.
What happens if the customer closes checkout?
Keep the order pending while you check the transaction status. A closed browser does not establish the payment outcome.
How do I reconcile my collections?
Match your order references to the gateway’s transaction records and then check net settlement against your ledger.
Where do I start the integration?
Send your details through the merchant enquiry form. Then review the checkout and test checklist with your integration team.
Plan your first checkout.
Share your website and contact details to start merchant onboarding.