M-PESA is a mobile phone-based money transfer service, payments and micro-financing service, launched in 2007 by Vodafone Group plc and Safaricom, the largest mobile network operator in Kenya.
The service allows users to deposit money into an account stored on their cell phones, to send balances using PIN-secured SMS text messages to other users, including sellers of goods and services, and to redeem deposits for regular money. Users are charged a small fee for sending and withdrawing money using the service
M-Pesa is a branchless banking service; M-Pesa customers can deposit and withdraw money from a network of agents that includes airtime resellers and retail outlets acting as banking agents.
Want to make something great with M-PESA APIs? M-PESA allows users to deposit, withdraw, transfer money and pay for goods and services (Lipa na M-PESA) easily with mobile devices.
Let’s look at the M-Pesa APIs use cases below:
Looking at the above use cases, one cannot fail to see the vast opportunity presented by the open interfaces. The future we once thought very distant of machine to machine payments is here and now. The only limitation to the adaption is the developer's imagination.
This guide will enable you to:
(i) Decide which API is best suited to your needs.
(ii) Build your application.
(iii) Send your first request.