TECHNOLOGY · SERVICE 06

Payment Solutions & Integration in Kenya

Endpoint Logic integrates M-Pesa, card payments, USSD, and multi-channel payment flows into your website, mobile app, or business system. We handle the technical integration end-to-end — from API configuration and sandbox testing to production go-live and reconciliation reporting.

Last updated 22 October 2026

What's included

  • M-Pesa Daraja API integration STK Push (customer pays via prompt), C2B (paybill and till), B2C (payouts), and transaction status queries — implemented to Safaricom specifications.
  • Card payment integration Visa and Mastercard acceptance via DPO Pay, Pesapal, Flutterwave, or Stripe — depending on your business type and settlement requirements.
  • USSD payment flows Payment triggers and callbacks for USSD-based products where customers do not have a smartphone or data connection.
  • Payment gateway configuration Account setup, API keys, webhook configuration, and test-mode verification before going live.
  • Reconciliation and reporting Integration of transaction data into your system for automated reconciliation and financial reporting.
  • Go-live support Live monitoring during the first week after launch, with fast response to any transaction failures.

How engagement works

#StepTypical timing
01 RequirementsPayment flows, providers, currencies, and reconciliation requirements documented and agreed. 2–3 days
02 Integration designAPI architecture, webhook flows, and error handling designed and reviewed. 3–5 days
03 Development and sandbox testingIntegration built and exhaustively tested in sandbox/test mode across all payment scenarios. 1–3 weeks
04 Production go-liveSwitched to live credentials. Monitored closely during first transactions. Handover of documentation. 1–2 days

Technologies and tools

We work with the tools you already run where possible. Common technologies we support:

  • M-Pesa Daraja API
  • DPO Pay
  • Pesapal
  • Flutterwave
  • Stripe
  • Paystack
  • Equity EazzyPay
  • KCB Bank APIs

Frequently asked questions

Can you integrate M-Pesa into our existing website?

Yes. We integrate M-Pesa STK Push and paybill flows into existing websites and web applications using the Safaricom Daraja API. We handle the sandbox setup, go-live verification, and testing before launch.

Which payment gateway should we use?

For most Kenyan businesses, Pesapal or DPO Pay cover M-Pesa and card in one integration. For businesses collecting from outside Kenya, Flutterwave adds broader African coverage. We recommend based on your transaction types and settlement preferences.

Do you handle recurring payments?

Yes — recurring billing, subscription flows, and automatic renewal logic can be integrated, depending on which payment provider supports it for your use case.

Is the integration secure?

Yes. We implement webhook signature validation, HTTPS-only callbacks, idempotency keys, and proper API key storage — following the security requirements of each provider.

What if a transaction fails?

We implement retry logic, dead-letter queues for failed webhooks, and reconciliation checks so missed or failed transactions are detected and flagged rather than silently dropped.