Code Forge Kenya

Payments

Accept M-Pesa and digital payments with enterprise-grade reliability.

We integrate Safaricom Daraja (STK Push, Paybill, Buy Goods Till) and card gateways into your POS, web app, or billing system. Fixed setup and maintenance — no percentage fee on your transactions.

How much does M-Pesa integration cost in Kenya?

Integration starts from KES 12,000 one-time setup, with monthly maintenance from KES 1,200. POS till integrations typically start from KES 18,000 setup.

Related: POS software cost · integration timeline

Integrate payments View full pricing

What we integrate

Payment channels for Kenyan businesses

M-Pesa STK Push

Customer enters PIN on their phone at checkout. Ideal for retail POS, restaurants, and service counters. Auto-reconciles payment to the sale.

  • Instant payment confirmation at till
  • Reduces fake SMS fraud
  • Works with Paybill or Till number

Buy Goods Till (Lipa na M-Pesa)

For shops with a Till number. Payments map to cashier shifts and daily Z-reports for clean reconciliation.

  • Multi-till support for branches
  • Shift-level M-Pesa totals
  • C2B callback validation

Paybill & bank channels

For invoicing, subscriptions, and B2B collections. Customer pays via Paybill with account reference tied to invoice or order ID.

  • Automated invoice matching
  • Partial payment handling
  • Card & bank API options on request

Payment integration pricing

Simple, fixed fees

Pricing is structured around fixed setup and predictable monthly maintenance so you can forecast costs cleanly as your payment volume grows.

STK Push Lite

Web apps, booking, invoices

KES 12,000

One-time setup

  • Daraja API configuration
  • STK Push on web or mobile
  • Payment callback handling
  • Basic reconciliation log

+ KES 1,200/month maintenance

Get STK Lite
POS ready

Till Integration

Retail, pharmacy, restaurant POS

KES 18,000

One-time setup

  • Everything in STK Lite
  • POS checkout STK flow
  • Shift & cashier reconciliation
  • Failed/reversed payment handling
  • On-site or remote training

+ KES 1,500/month maintenance

Integrate at till

Multi-channel

Enterprise, branches, e-commerce

From KES 35,000

Scoped after discovery

  • Multiple tills or Paybills
  • Card gateway (Pesapal, etc.)
  • ERP / accounting sync
  • Custom webhooks & reporting
  • SLA-backed support

Maintenance from KES 2,500/month

Request scope

No transaction percentage. Safaricom charges standard M-Pesa rates (e.g. Till: ~0.5% capped at KES 200 per transaction) directly on your business account. We never take a cut of your sales.

How long does M-Pesa integration take?

For existing systems, implementation is usually 3-7 business days after Daraja credentials are ready. Full POS-till deployment with training typically takes 1-2 weeks.

Related: POS + eTIMS compatibility · get implementation schedule

Process

How we connect your payments

1. Discovery

We confirm your Paybill/Till, expected volume, POS or app stack, and reconciliation workflow.

2. Daraja setup

We register and configure your Safaricom Daraja app, callbacks, and sandbox testing before go-live.

3. Integration

STK Push, C2B validation, and receipt mapping are wired into your POS or billing system.

4. Go-live & support

Staff training, live monitoring, and monthly API maintenance keep payments reliable.

Requirements

What you need before we start

Safaricom business account

  • Active Paybill or Buy Goods Till number
  • Daraja API portal account (we guide registration)
  • Business KRA PIN for compliance workflows

Technical readiness

  • Stable internet at point of sale
  • HTTPS endpoint for payment callbacks (we provide hosting if needed)
  • Existing POS, web app, or we deploy one for you

Already on our POS?

M-Pesa STK Push is included in the Growth and Multi-branch POS plans. Starter plan can add Till integration for KES 800/month or upgrade to Growth.

POS system details →

Payments FAQ

Common questions

How long does integration take?

STK Push for an existing app: 3–7 business days after Daraja credentials are ready. Full POS till integration: typically 1–2 weeks including testing and training.

Can you integrate with my existing POS?

Yes, if your POS has an API or we can access the database layer. Otherwise we recommend our POS stack for a seamless till experience.

What about Lipa Pole Pole or card payments?

Buy-now-pay-later and card gateways are available on Multi-channel plans. We quote based on your provider (Pesapal, Flutterwave, etc.).

Is payment data secure?

We never store M-Pesa PINs. Callbacks are validated, logged, and transmitted over TLS. Systems are designed with KDPA data-minimization in mind.

Stop payment headaches

Reconcile M-Pesa sales automatically — every shift, every branch.

Book a 20-minute call. We will map your till flow and send a fixed quote — no surprises.

Book integration call POS case study