Payments

Safaricom APIs Integration & Consulting

Expert consulting and implementation support for the complete Safaricom API catalog. Scale with Lipa Na M-Pesa STK Push, C2B, B2C, Bill Manager, and USSD.

Safaricom's Daraja API Gateway and developer portal serve as the primary hub for integrating M-Pesa mobile money transactions, communication channels, and utility services into custom applications, enterprise ERPs, billing systems, and mobile checkouts. To help organizations implement these services securely, Statum offers professional software consulting and system architecture planning.

Rather than providing boilerplate code, we work directly with your development team to plan and implement custom bridges, validate security configurations, configure webhook handlers, map USSD sessions, and optimize transaction success rates.

Safaricom Developer APIs Directory

We provide full-lifecycle integration consulting for the complete suite of APIs available on Safaricom's developer portal:

1. M-Pesa Express (STK Push)

Initiates a payment prompt directly on the customer's mobile screen. The user enters their M-Pesa PIN, making it the most seamless checkout method for mobile applications and e-commerce platforms.

2. Customer-to-Business (C2B)

Monitors payments initiated by customers via their M-Pesa Paybill or Till numbers. It pushes real-time validation and confirmation notifications to your servers to automate ledger updates.

3. Business-to-Customer (B2C)

Automates outgoing transfers from your business wallets to individuals. Commonly used for salary disbursements, supplier payouts, loan processing, and instant refunds.

4. Business-to-Business (B2B)

Enables automated funds transfers between different corporate wallets (e.g. paying wholesalers, merchant partners, or corporate utility settlements).

5. Dynamic QR Code

Generates custom QR codes dynamically at checkout. Customers scan the QR code via their M-Pesa application to pay instantly, eliminating manual Paybill and Account Number inputs.

6. Tax Remittance

Enables corporations to programmatically remit taxes (such as KRA payments) directly from their M-Pesa business wallets to government treasury systems.

7. Transaction Status

Queries the exact state of specific M-Pesa transaction IDs in real-time, providing immediate verification for reconciliation and audit trails.

8. Account Balance

Queries the real-time financial ledger balance of your corporate Paybill or Till (including working, utility, charge, and commission accounts).

9. Reversal API

Submits programmatic requests to reverse incorrect payments back to the sender's wallet, reducing administrative overhead.

10. Bill Manager API

Enables automated invoice dispatch, customer billing setup, e-receipt issuance, and bulk customer payment reconciliation directly integrated with your accounting pipelines.

11. Safaricom Voice & Native SMS APIs

Allows integration of programmatic outbound calls, text alerts, customer authentication routines (OTPs), and high-volume message delivery directly connected to Safaricom's carrier-level lines.

12. USSD Session Integration

Maps custom interactive menus (e.g. *xxx#) to your database backend, allowing users to query services, register accounts, and authorize payments without an active internet connection.

13. Business to Pochi (B2P)

A specialized version of the Business-to-Customer (B2C) API designed to automate disbursements directly from a business wallet to a customer's personal merchant wallet (locally known as Pochi la Biashara).

14. SIM Swap Query API

Enables partners to programmatically query the exact date a SIM card was last swapped. Essential for checking potential hijacking before performing high-value disbursements.

15. IMSI Security API

Enhances transaction security by letting applications verify subscriber age, registration date, hashed IMSI records, and SIM status to prevent identity fraud.

16. Lipa na Bonga

Allows merchants using the Lipa Na M-Pesa ecosystem to accept payments where customers redeem their loyalty reward points (Bonga Points) to settle transaction balances.

17. B2B Hakikisha (Query Org Info)

A verification tool that allows partner platforms to look up an organization's shortcode name and confirm the applicable transfer tariff details before sending money.

18. Mobile Number Validation

Validates mobile subscriber numbers in real-time, checking carrier registration, active status, and connection health to prevent invalid request errors.

19. B2C Account Top Up

Allows merchant applications or treasury databases to programmatically transfer funds to a B2C disbursement shortcode utility balance directly.

20. M-Pesa Ratiba (Standing Orders)

Enables developers to build automated recurring payment services (standing orders) directly on the customer's M-Pesa account for subscriptions, bills, or loans.

21. IoT SIM Management

Allows companies to manage machine-to-machine connectivity channels programmatically. Controls SIM status queries, cellular data limits, and remote activations.

Consultancy Focus Areas

Integrating corporate payments and communication lines involves substantial architectural and security risks. Statum's consultancy services ensure your Safaricom setup matches industry-grade standards:

  • Webhook Idempotency: Implementing check layers to ensure that if Safaricom retries a callback notification, your system processes it exactly once.
  • IPN IP Filtering & Verification: Validating that incoming webhook payloads originate exclusively from Safaricom's verified IP addresses, defending your database from spoof attacks.
  • Credentials & Key Management: Reviewing the secure storage of consumer keys, secrets, and SSL certificates inside encryption vaults rather than codebase repositories.
  • USSD Flow Decoupling: Structuring lightweight middleware to manage quick timeouts and keep interactive USSD sessions responsive and reliable.
  • Automated Ledger Auditing: Building automatic reconciliation pipelines that pull transaction histories and sync them with your database records daily.

Engage Statum for Safaricom Portal Integrations

If you are planning to connect your systems to Safaricom's Daraja APIs, automate corporate billing, or launch a custom USSD gateway, our specialists are here to guide your engineering team. Contact Statum today to discuss your custom project integration goals.