Payments & M-PESA Integration
Payment integration work focused on reliability, reconciliation, and a smoother customer checkout. Used inside customer systems and operations dashboards alike.
Common use cases
Where payments usually creates value
Retail checkout
Product catalogue, M-PESA STK push, card option, order status, receipt, and failed-payment handling.
Service deposits and invoices
Quote approval, deposit request, payment confirmation, invoice status, and follow-up reminders.
Fees, subscriptions, or account payments
Customer account, amount due, payment attempt, reconciliation against a ledger, and reporting for the finance owner.
What is included
Capabilities
M-PESA STK Push, PayBill, and Buy Goods integration
Card payments via Stripe and Paystack
PayPal and international gateways
Mobile money: Airtel Money, SasaPay
Reconciliation, refunds, and reporting
PCI-aware integration patterns
Integration flow
How this works inside a real system
The integration should not be a disconnected add-on. It should update the customer journey, the internal record, and the reporting view that the team relies on.
Customer action
The customer checks out, pays an invoice, clears a balance, or confirms a deposit.
Provider request
The system sends the right request to M-PESA, Paystack, Stripe, PayPal, or another approved provider.
Webhook and status
The provider sends back payment status, errors, transaction references, and settlement details where available.
System record
The order, booking, invoice, ledger, or customer account is updated so the team does not reconcile manually.
Customer update
The customer receives the right confirmation by page state, email, WhatsApp, or SMS depending on the journey.
Buyer checks
Questions to answer before implementation
These details determine whether the integration works cleanly after launch or becomes another manual support burden.
Which payment methods are essential now, and which can wait?
Who owns provider accounts, settlement, reversals, and disputes?
Where should transaction references and payment status be stored?
What happens when STK push fails, expires, or is paid late?
What reports does finance need each day or month?
Where this fits
How payments sits inside the systems we build
Customer Systems — checkout and self-service payments
Operations Systems — reconciliation, fee ledgers, and finance dashboards
Implementation confidence
The details that protect the workflow
Provider accounts, credentials, and billing remain owned by the business.
Callbacks, failures, retries, and handoff states are planned before launch.
The integration is documented so future changes are not guesswork.
Buyer questions
Questions that usually come up
Do you provide the M-PESA account?
Usually the business owns the provider account. We help with integration requirements, callback URLs, testing, and the system logic around the account.
Is payment integration only checkout?
No. The valuable part is often reconciliation, payment status, receipts, refunds, reporting, and what the team sees after a customer pays.