What Is M-PESA STK Push Integration?
M-PESA STK Push Integration allows your application or website to automatically trigger a payment request on a customer’s phone. When a user clicks “Pay Now”, the system sends an instant request through the Safaricom Daraja API, prompting the customer to authorize the transaction securely on their M-PESA app or SIM toolkit.
This technology eliminates manual entry of paybills or till numbers and provides real-time, error-free, and fast payments — making it essential for modern businesses, microfinance systems, and online platforms in Kenya.
Why Businesses in Kenya Need M-PESA STK Push Integration
In Kenya, mobile money has become the backbone of digital commerce. Over 30 million users rely on M-PESA daily, making it the most convenient way for customers to make payments online or in-person.
With STK Push integration, your business can:
✅ Accept payments automatically without manual intervention.
✅ Receive instant confirmation of successful payments.
✅ Link payments to invoices, orders, or user accounts.
✅ Reduce transaction errors and reconciliation issues.
✅ Offer a frictionless checkout experience for customers.
Whether you run an e-commerce store, a POS system, a microfinance platform, or a property management system, M-PESA STK Push ensures fast, seamless, and secure transactions.
How M-PESA STK Push Integration Works
Customer Initiates Payment
A user clicks “Pay with M-PESA” on your website or app.API Request Sent to Safaricom
Your system sends a POST request to the Daraja API containing the customer’s phone number, amount, and account reference.Customer Receives Payment Prompt
The customer gets an instant pop-up on their phone requesting them to enter their M-PESA PIN.Customer Confirms Payment
M-PESA validates and processes the transaction.System Receives Callback
The Safaricom API sends a JSON response to your callback URL, confirming payment success or failure.Automatic Update
Your platform marks the invoice, loan, or order as paid.
Benefits of M-PESA STK Push Integration for Businesses
| Benefit | Description |
|---|---|
| Faster Payments | Customers pay instantly without typing Paybill or Till numbers. |
| Real-Time Confirmation | Instant callback notifications to your system ensure reliable updates. |
| Enhanced Security | Transactions are authorized directly by the customer on their device. |
| User Convenience | Seamless payment flow improves customer trust and retention. |
| Automation Ready | Perfect for recurring payments like rent, subscriptions, or loan repayments. |
Who Can Use M-PESA STK Push Integration?
M-PESA STK Push is ideal for:
Microfinance Systems – Automate loan repayments and deposits.
SACCOs & Chamas – Collect member contributions easily.
E-commerce Websites – Streamline online checkouts.
POS Systems – Accept instant mobile payments in stores.
Utility Companies & ISPs – Receive automatic bill payments.
Property Management Platforms – Collect rent directly through tenants’ phones.
Why Choose Zama for Your M-PESA STK Push Integration
At Zama.co.ke, we specialize in secure, robust, and scalable M-PESA integrations tailored for Kenyan businesses. Our team provides full API setup, testing, and deployment for your systems — whether it’s a Laravel, Node.js, or PHP application.
Our solutions include:
✅ Daraja API setup (sandbox & live environments)
✅ STK Push endpoints with secure callback handling
✅ Automatic reconciliation & wallet updates
✅ Multi-tenant support for SaaS applications
✅ Error handling, logging, and monitoring
With Zama, you don’t just get integration — you get a fully managed payment automation system that scales with your business.
Technical Overview of M-PESA STK Push API
Endpoint:
https://api.safaricom.co.ke/mpesa/stkpush/v1/processrequest
Key Parameters:
BusinessShortCode— Your Paybill or Till numberPassword— Base64-encoded string of Shortcode + Passkey + TimestampTimestamp— Format:YYYYMMDDHHMMSSTransactionType—CustomerPayBillOnlineorCustomerBuyGoodsOnlineAmount— Amount to be chargedPhoneNumber— Customer’s MSISDN (e.g., 2547XXXXXXXX)CallBackURL— HTTPS endpoint that receives payment resultsAccountReference— Invoice, order, or account ID
Common Use Cases for STK Push Integration in Kenya
| Industry | Use Case Example |
|---|---|
| Real Estate | Tenants pay rent via phone; system marks lease as “paid.” |
| Microfinance | Clients receive STK prompts for loan repayments. |
| E-commerce | Checkout triggers instant payment on user’s device. |
| Utilities | Customers pay for water or power tokens automatically. |
| Education | Students pay school fees or exam charges through phone prompt. |
Call to Action
🚀 Ready to integrate M-PESA payments into your system?
Let Zama handle your M-PESA STK Push integration so you can focus on growing your business.
👉 Visit Zama.co.ke or contact us today to schedule a free consultation.
💡 Advanced STK Push Features for Kenyan Businesses
At Zama, our M-PESA STK Push integration service doesn’t stop at basic API connections. We extend it with smart business automation tools that make it ideal for microfinance platforms, POS systems, e-commerce portals, and digital service providers.
Our Advanced Capabilities
Real-time Wallet Updates – Automatically credit user wallets or ledgers after a successful STK push transaction.
Dynamic Amount Handling – Fetch payment amounts directly from invoices or subscriptions in your system.
Multi-Tenant Ready – Designed for SaaS platforms that serve multiple clients or branches.
Comprehensive Logs & Analytics – View transaction histories, failure reasons, and reconciliation reports.
Retry & Reconciliation Engine – Automatically retry failed requests or reconcile pending transactions via the Daraja API.
Webhook Security – Validate all callbacks using signature verification to prevent spoofed requests.
These capabilities ensure that your payment infrastructure remains secure, automated, and business-ready.
🔗 Integration Options We Offer
| Platform | Integration Example |
|---|---|
| Laravel / PHP | Direct API setup with route-based callbacks. |
| Node.js / Express | Token generation and STK push middleware. |
| Python / Django | REST-based STK push services with async callbacks. |
| WordPress / WooCommerce | Checkout payment plugin for M-PESA. |
| Custom Systems | Tailor-made API gateway with wallet logic. |
Whether you’re integrating into an existing product or building a new system from scratch, Zama provides full implementation, testing, and deployment support.
🧾 Example Use Cases
1. Microfinance & SACCOs
Members receive a phone prompt to repay loans instantly. The system marks payments automatically and updates loan balances.
2. Property Management
Tenants pay rent via phone, and the payment is automatically recorded against their lease.
3. POS & Retail
Cashiers initiate M-PESA STK requests directly from the POS, with instant transaction confirmations.
4. Subscription Systems
Recurring payments trigger automatic STK pushes before expiry, ensuring continuous service.
5. Education & NGOs
Collect school fees, contributions, or donations seamlessly without manual follow-ups.
📊 Why Zama’s M-PESA Integration Is Trusted
✅ 99.9% uptime with cloud-hosted gateway
✅ Detailed logs for every transaction
✅ Local technical support in Kenya
✅ API documentation for developers
✅ Tested on both sandbox and production environments
Our solutions are built for scale — serving hundreds of institutions and thousands of daily payments.
🔧 Get Started Today
Ready to accept M-PESA payments automatically on your platform?
📲 Contact Zama today for:
Full API integration setup
Secure callback implementation
Real-time wallet and transaction reports
👉 Visit Zama.co.ke or call us to start your M-PESA STK Push integration today and power your digital payments in Kenya.