Do you need to automate your payment processes in Kenya? Does your business need to integrate MPESA into your existing system?
If you are a business operating in Kenya, the answer is a definite YES!
With the new era of mobile money transfer and the ease it has brought about in doing business, it is very clear that MPESA is not going anywhere anytime soon.
As a software solutions company in Kenya, Statum, provides companies and individuals the ultimate technology solutions to ensure excellence in their sectors. Based in Nairobi, Kenya Statum’s mission is to help businesses realize their objectives through the use of high-quality mobile and web-based solutions.
At Statum, we provide Business to Business (B2B), Customer to Business (C2B), and Business to Customer (B2C) payment integration and deliver MPESA API integration via paybill and bulk payments.
M-PESA is a mobile phone-based money transfer, financing and micro-financing service, launched in 2007 by Vodafone for Safaricom and Vodacom the largest mobile network operators in Kenya and Tanzania.
M-PESA allows users to deposit, withdraw, transfer money and pay for goods and services (Lipa na M-PESA) easily with mobile devices. M-PESA has spread quickly like wildfire, and by 2010 had become the most successful mobile-phone-based financial service in the world.
With M-PESA winning the heart and souls of the masses, there was a section of the population who yearned for more. These were the software developers, they wanted an API to access the M-PESA products. Safaricom responded to them by giving them the M-PESA G2 API. This was welcomed but only a handful of developers were able to integrate their apps with it.
This guide provides a step by step process to customer to business (C2B) integration for your website, mobile application, point of sale or any other software systems for you to accept payments via M-PESA via C2B Statum developer APIs.
Imagine the different scenarios that require customers to pay and have this payment processed instantly!
In this day and age, cash payments are continuously advancing with customers leaning more and more towards mobile money payments. The use cases where C2B (Consumer To Business) transactions can take place vary widely from utility bills to e-commerce. This method of instant payment is convenient to both the merchant and the customer.
At Statum we provide you with mobile payment integration solutions that will enable your business to receive payments in a more organized and efficient manner through MPESA.
These solutions include:
Customer to business integration (C2B) – This enables a business website or system to process and record payments by customers made from their paybill.
Business to Business integration (B2B) – This provides a simple and efficient way to make payments from your paybill to another business paybill from your systems accurately
Lipa na Mpesa online – This enables a business to receive and verify payment for goods on their website. The system also generates receipts, invoices and reports for verification and record keeping.
Business to Customer Integration (B2C) – This enable a business to make payments to your customers from your system and generate reports
Whatever your integration needs or business you are in, Statum will ensure that you have a system that works for you and your needs
This guide provides a step by step process to Lipa na Mpesa (C2B) integration for your website, mobile application, point of sale or any other software systems for you to accept payments via Mpesa.
To accept C2B, you should have a checkout button in your website, app or system which the user can click to pay for the goods or services that you offer
When a user clicks the button, it triggers a post request to Daraja having the relevant payload amount. Daraja processes the request and sends an STK push to the user’s phone prompting him or her to enter the M-Pesa password and click OK to complete the transaction.
M-Pesa processes the request by debiting the user’s account and sending a webhook with the details for the transaction to your servers.
Requirements to accept Lipa na Mpesa Online
You should have a Paybill account. To apply for a paybill account, sent an empty email to [email protected]
A website, App, or Point of Sale or any other.
Get Your MPESA Integration Services from Statum.
At Statum we provide affordable and efficient Mpesa integration solutions.
Our skilled and experienced professionals will ensure that you get instant and automatic verification, real time notification, data analysis and reporting for your payment systems.
Contact Statum for all your Mpesa and payment integration services in Kenya.