Safaricom Daraja API
Connect eligible M-Pesa services through the official developer platform.
Payments & Systems Integration
M-Pesa API integration in Kenya for connected payment operations
Connect M-Pesa payments to websites, mobile apps and custom systems with reliable transaction status, callbacks and reconciliation workflows.
Service Overview
A payment is most useful when the business system understands it.
Manual payment confirmation creates delays, reconciliation work and uncertainty for customers and staff. A well-designed integration connects the payment request, provider response, callback and internal business record as one traceable workflow.
Rift Technologies integrates suitable Safaricom Daraja API services into digital products and operational systems. We handle the application logic around transaction status, verification, callbacks, exceptions and reporting so payments support the wider business process.
For an STK Push flow, your backend creates a payment attempt against an order or invoice, authenticates with Daraja and requests the handset prompt. Accepting that request is not proof of payment. The system waits for the asynchronous result, checks it against the expected transaction and updates the business record only after a verified success.
Capabilities
Payment integration beyond the checkout button.
We design the complete transaction flow around the approved Daraja capabilities and your business process.
STK Push
Initiate a customer payment request and handle the resulting transaction status.
C2B Integration
Receive and associate customer-to-business payments with relevant records.
B2C Integration
Support approved business-to-customer disbursement use cases where applicable.
Transaction Verification
Confirm status before granting access, fulfilling an order or updating a balance.
Callback Handling
Process provider updates securely and account for delayed or repeated notifications.
Automated Reconciliation
Match payment activity with orders, invoices, accounts or service records.
Website Payments
Connect web checkout or invoice journeys to M-Pesa payment collection.
Mobile App Payments
Build a clear mobile transaction journey backed by secure server-side logic.
Custom System & Third-party APIs
Connect payments and other approved services to operational software.
Business Benefits
What this means for your business.
Faster Fulfilment
Let verified transaction status trigger the next appropriate business action sooner.
Fewer Manual Errors
Reduce copying, matching and confirmation work across payment and business records.
Clearer Reconciliation
Give finance and operations teams a more traceable view of payment activity and exceptions.
Practical Use Cases
Solutions grounded in real operations.
Every engagement begins with the business context, the people involved and the outcome the solution needs to create.
E-commerce Checkout
Request payment, verify the result and update the relevant order without manual confirmation.
Invoice & Account Payments
Associate a customer payment with an invoice, account or subscription record.
App-based Services
Connect payment status to bookings, access, delivery or other in-app workflows.
Operations & Finance Reconciliation
Track successful, pending and exceptional transactions from a business dashboard.
How We Deliver
A clear path to a dependable solution.
Reliable payment integration requires both provider setup and careful business logic. We map the full transaction lifecycle, not only the initial request.
01
Confirm the payment use case
Map orders or invoices, collection versus disbursement, and the Daraja services and business access needed. Agree how finance staff will review exceptions.
02
Configure server-side access
Separate sandbox and production credentials. Implement authentication and secure callback endpoints, with explicit payment states and traceable references.
03
Test the full lifecycle
Use sandbox testing and controlled simulations for success, cancellation, timeouts, repeated callbacks and amount mismatches. Verify that retries cannot fulfil the same order twice.
04
Roll out and reconcile
After the required provider approvals, configure production and validate controlled transactions. Monitor unresolved payments and match records to available transaction reports.
Technology & Integration
A traceable transaction lifecycle.
The integration connects customer action, Daraja responses and your internal records with secure server-side handling and explicit transaction states.
Keep credentials and access tokens on the server, restrict staff access and avoid recording secrets in logs. Persist payment attempts and provider identifiers so repeated callbacks can be handled without fulfilling twice. A delayed result stays pending until an appropriate status check or staff review resolves it. Reconciliation should expose unmatched amounts and references instead of silently treating them as paid. Rift Technologies is an independent software company and is not Safaricom or affiliated with Safaricom. M-Pesa and Daraja access, approval and service availability are governed by Safaricom's requirements.
- Daraja API integration
- STK Push workflows
- C2B payment handling
- B2C where applicable
- Secure callback endpoints
- Transaction status queries
- Reconciliation records
- Third-party REST APIs
Work and planning resources
Explore the workflows behind your project.
Solution prototype
Parking Management Platform
The parking solution prototype links payment association to exit validation and reconciliation. It illustrates the operational design around payments, without claiming a live Daraja deployment.
Product concept
NexaMarket
NexaMarket separates marketplace orders, payment states and payout decisions in a product concept. Explore why payment collection and vendor settlement need distinct workflows.
Frequently Asked Questions
Questions about M-Pesa & API Integration.
What do I need for M-Pesa API integration in Kenya?
Requirements depend on the selected Daraja service and production setup. Typically, the business needs suitable Safaricom credentials or accounts, an approved use case and a secure application backend. We guide the technical integration process.
How does M-Pesa STK Push integration work?
Your system requests a payment prompt for the customer's phone. The customer authorizes it on their handset, and the application processes the asynchronous result before updating the relevant order or account.
Can you integrate M-Pesa into an existing website or mobile app?
Yes, if the existing product has a suitable backend or can be extended securely. We first review its architecture, current checkout flow and available source access.
Can the system automatically reconcile M-Pesa payments?
Yes. The system can associate transaction information with orders, invoices or accounts and surface unmatched or exceptional items for staff review.
Do you also integrate APIs other than M-Pesa?
Yes. We integrate suitable payment, communication and business-service APIs when documentation, credentials and provider access are available.
What is Safaricom Daraja API?
Daraja is Safaricom's developer platform for integrating M-Pesa and other available APIs with business applications. The services and production permissions needed depend on whether your business collects payments, makes approved disbursements or checks transaction information.
What is the difference between C2B and STK Push?
C2B integration connects customer-to-business payments with your system through the applicable notification flow. STK Push, also called M-Pesa Express, starts a payment prompt from your application for the customer to authorise on their phone. We select the flow around your checkout or account-payment process.
How are failed or pending payments handled?
A failed attempt should show a clear outcome and allow a controlled retry. A pending attempt remains unresolved until a provider result, an applicable status query or staff review establishes the outcome. We track separate attempts and handle repeated notifications without crediting an order twice.
How is payment verification done?
The backend validates the provider result against the stored payment attempt and expected business record, including identifiers and amounts where available. It uses the applicable provider status check for unresolved cases. A browser success screen or customer screenshot alone should not trigger fulfilment.
Connected Capabilities
Build a complete digital solution.
Have a project in mind?
Map your M-Pesa payment flow.
Tell us what customers pay for, which website, app or system you use, and what business account setup is available. We can scope collection, verification and reconciliation. Do not send credentials or customer payment records in the enquiry.