How to integrate M‑Pesa into my website
In Kenya’s thriving digital economy, M-Pesa API integration is becoming essential for businesses looking to streamline payments, improve cash flow, and expand their customer base. The M-Pesa API (Application Programming Interface) allows developers to connect M-Pesa’s powerful mobile money platform with websites, mobile applications, and internal systems.
Through this integration, businesses can accept payments directly through Paybill or Till Numbers, send money to customers or vendors, automate billing processes, and access services such as balance inquiry, transaction history, and airtime top-ups.
Whether you run an e-commerce store, subscription-based service, or a utility platform, integrating M-Pesa enables seamless, secure, and real-time transactions.
Benefits of Integrating M-Pesa with Your Business
✅ Increased Customer Reach; How to integrate M‑Pesa into my website
M-Pesa boasts over 23 million active users in Kenya. Integrating the platform gives your business access to this vast customer base, increasing your chances of making more sales by offering a familiar and trusted payment method.
✅ Improved Cash Flow; How to integrate M‑Pesa into my website
M-Pesa facilitates real-time payments, reducing delays in processing transactions. With faster access to funds, businesses can better manage their operations, supplier payments, and payroll.
✅ Lower Transaction Costs; How to integrate M‑Pesa into my website
Traditional banking transactions often come with high fees. M-Pesa helps reduce transaction costs for both customers and businesses, especially when handling microtransactions or large volumes.
✅ Greater Convenience and Security; How to integrate M‑Pesa into my website
With M-Pesa, customers can pay from anywhere using their mobile phone. Transactions are encrypted and comply with Safaricom and local banking regulations, ensuring your funds are protected.
✅ Boosted Sales and Customer Confidence; How to integrate M‑Pesa into my website
A simple, secure, and fast payment system builds customer trust. With fewer abandoned carts and higher checkout conversions, your revenue potential grows.
How to Integrate M-Pesa API into Your Business
Integrating M-Pesa may sound technical, but the process is straightforward with the right steps. Here’s a simplified breakdown:
🔹 Step 1: Apply for a Paybill or BuyGoods (Till) Number
Apply via:
USSD: Dial
*234#> Merchant Services > My Request
Required documents (PDF format): How to integrate M‑Pesa into my website
KRA PIN Certificate
Certificate of Registration
CR12 (valid for 90 days)
Director(s) ID (Front & Back)
Director(s) KRA PIN
Bank details
Signed Authorization Form
You’ll receive your Paybill or Till Number upon approval (response time is usually 24–48 hours if documents are in order).
🔹 Step 2: Get Access to the M-Pesa G2 Portal; How to integrate M‑Pesa into my website
To integrate advanced business services, request access to the M-Pesa G2 portal by emailing lipanampesa@safaricom.co.ke with:
CR12 and business registration certificate
Administrator’s ID (front and back)
Signed and stamped Administrator Form
Once approved, you’ll receive login credentials. Change your password upon first login and create two user roles: Business Admin and Business Manager.
🔹 Step 3: Go Live on the Daraja API; How to integrate M‑Pesa into my website
Visit the Daraja API Portal and submit the following to “Go Live”:
Verification Type: Short Code
Organization Short Code: Your Paybill or Till number
Organization Name: Name used in the application
M-Pesa Username: Either your Business Admin or Business Manager
For issues like “Verification failed”, email apisupport@safaricom.co.ke.
Then, request final approval for your Daraja app by contacting the same support email.
🔹 Step 4: Integrate M-Pesa API – With or Without Coding; How to integrate M‑Pesa into my website
You can:
Use SDKs (PHP, JavaScript, Python, etc.) from Safaricom or third-party providers like IntaSend or HelloDuty
Or use no-code tools that simplify integration with drag-and-drop functionality
Once approved, Safaricom will send your API keys and secret credentials, which can be configured on your website, POS, or internal system.
How to Integrate M-Pesa into Your Website; How to integrate M‑Pesa into my website
If you run an e-commerce website or SaaS platform, follow these simplified steps:
Sign up for an M-Pesa Business account
Add the M-Pesa API to your website to enable mobile checkout
Set up webhooks to receive payment status updates in real time
Use the M-Pesa Query API to verify transaction statuses
Add the Disbursement API to process refunds or B2B transfers
Bonus: PayPal and Visa/MasterCard Integration with M-Pesa; How to integrate M‑Pesa into my website
M-Pesa is expanding its global footprint with integrations into PayPal and Visa/MasterCard, enabling users to:
Receive PayPal payments directly into M-Pesa
Shop online and pay with M-Pesa through virtual cards
These enhancements further position M-Pesa as Kenya’s most versatile digital wallet, ready to serve both local and international customers.
Conclusion: Is M-Pesa API Integration Right for Your Business?
If your business accepts payments in Kenya, the answer is yes. M-Pesa API integration gives you:
Access to millions of Kenyan customers; How to integrate M‑Pesa into my website
Faster payment processing; How to integrate M‑Pesa into my website
Seamless checkout experiences; How to integrate M‑Pesa into my website
Secure and scalable transactions; How to integrate M‑Pesa into my website
Whether you’re a startup, SME, or enterprise, integrating M-Pesa is a strategic move that empowers you to grow, serve customers better, and operate more efficiently in a mobile-first economy.
Need Help Integrating M-Pesa API into Your Website or System?
Our expert developers and support team are ready to assist you—from setup to deployment.
✅ Let’s simplify your business payments with M-Pesa integration.