Built for Kenya — M-Pesa First

Accept M-Pesa Payments
Without the Complexity

One API key. STK Push payments directly into your paybill or till. Build in minutes, not months — no Safaricom paperwork required.

Start for Free See How It Works WhatsApp Us
<60s
To integrate
100%
Your money
STK Push
Direct to your till
REST API
Any language
0 setup
Monthly fees
app.pesaflux.co.ke/dashboard
Volume
KES 284K
↑ 18.4% this week
Transactions
1,248
94.2% success
Wallet
KES 1,820
KES 3.00/txn
Pay Links
7
3 businesses
30-day volume
Recent payments
STK Push
KES 1,500
Pay Link
KES 750
STK Push
KES 3,200
STK Push
KES 500
STK Push
KES 2,100
Everything You Need

Payments infrastructure
built for Kenyan developers

Everything to accept M-Pesa payments — without weeks of Safaricom paperwork.

STK Push API
Trigger M-Pesa prompts on your customer's phone in one API call. Works with paybill and till numbers.
REST API
Money Stays Yours
Payments go directly into your M-Pesa paybill or till. We never hold your funds. Zero counterparty risk.
100% Direct
Payment Links
Create shareable links for any product. Send via WhatsApp or SMS — no website needed for your customers.
No Code
Instant Webhooks
Receive real-time callbacks the moment a payment confirms. Trigger fulfillment, send receipts, unlock content.
Webhooks
Multi-Business
Manage unlimited paybills and tills from one account. Ideal for agencies and developers serving multiple clients.
Unlimited
Full Dashboard
30-day charts, transaction history, wallet ledger, CSV & PDF exports, live API key management.
Analytics
Simple Process

From sign-up to first payment in minutes

No Safaricom sandbox drama. No weeks of waiting. Just connect your paybill and collect.

Register
Create your account and add your paybill, till, or bank account details. Takes under 2 minutes.
Get API Key
Copy your unique API key from the dashboard. One key works for all your businesses.
Make a Call
POST to our endpoint. We handle the Safaricom complexity — you just pass amount, phone, and your API key.
Get Paid
The STK prompt hits your customer's phone. They enter their PIN and money lands in your till instantly.
Developer First

One request.
Infinite possibilities.

Send an M-Pesa STK Push in under 60 seconds. Supports PHP, Python, Node.js, cURL — any tool that can make HTTP requests.

Simple REST endpoint
POST with JSON. Get back a transaction ID to poll or await webhook callback.
Instant responses
Our API responds in <200ms. The STK prompt hits the phone within seconds.
Real-time webhook
We POST to your callback URL the moment a payment confirms. Build powerful automations instantly.
Get Your API Key →
stk_push.php
// Trigger M-Pesa STK Push — 1 API call $ch = curl_init('https://m.smartpanel.co.ke/api/stk_push.php'); curl_setopt_array($ch, [   CURLOPT_RETURNTRANSFER => true,   CURLOPT_POST => true,   CURLOPT_POSTFIELDS => json_encode([     'amount' => 1500,     'msisdn' => '254712345678',     'reference' => 'Order-#1042',     'business_id' => 1,   ]),   CURLOPT_HTTPHEADER => [     'Content-Type: application/json',     'X-Api-Key: pk_live_xxxxxxxxxxxxxx',   ], ]); $data = json_decode(curl_exec($ch), true); if ($data['success']) {   // ✅ STK sent — poll or wait for webhook   $txn = $data['transaction_id']; }
Transparent Pricing

Start free. Scale when you grow.

No lock-ins. Pay Per Success means you only pay when your customers pay you.

Most Popular
Pay Per Success
KES 3 / transaction
Pay only on success
  • No monthly fee
  • Full STK Push API
  • Payment links
  • Webhook callbacks
  • Real-time dashboard
  • CSV & PDF exports
  • Email support
Get Started Free
Weekly
KES 299 / week
Low volume
  • All API features
  • Payment links
  • Webhooks & callbacks
  • Dashboard analytics
  • 3 businesses
  • Zero per-txn fees
Subscribe Weekly
Monthly
KES 799 / month
Growing apps
  • All API features
  • Unlimited transactions
  • Up to 10 businesses
  • Priority support
  • Advanced analytics
  • Referral earnings
Subscribe Monthly
Save 48%
Yearly
KES 4,999 / year
Best value
  • Everything in Monthly
  • Lowest annual cost
  • Unlimited businesses
  • Priority onboarding
  • SLA guarantee
  • Early feature access
Subscribe Yearly
Developer Love

Trusted by Kenyan developers

Real developers. Real businesses. Payments that just work.

“I integrated Smartpay into my e-commerce site in under an hour. The API is dead simple, the documentation is clear, and money landed in my till the very first test. No Safaricom sandbox headaches at all.”
JK
James Kamau
Full-stack Developer, Nairobi
“The payment links feature changed my business. I create a link, send it on WhatsApp, and clients pay directly to my paybill. No website needed. I use it for every client invoice now.”
FM
Faith Mutua
Freelance Developer, Mombasa
“What I love most is that clients' money goes straight to their own M-Pesa till — no middleman holding funds. The webhook callback fires instantly too. Rock solid reliability.”
BO
Brian Omondi
Mobile App Developer, Kisumu
Ready?

Start accepting M-Pesa payments
in the next 5 minutes

Free to start. No credit card. No bureaucracy. Just connect your paybill and go.

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