One API adds buyer-and-seller protection to your marketplace, store or app — M-Pesa payments held until delivery, with SMS & WhatsApp notifications built in. Your users never create accounts.
Register, verify your email, and get a sandbox key immediately — no sales call, no waiting. Test transactions never touch real money.
Buyers and sellers get secret escrow links — they pay, track and confirm without ever registering. You keep them in your flow.
Both parties get SMS & WhatsApp updates at every step, plus signed webhooks to your endpoint — disputes and deadlines included.
Self-serve signup, email verification, instant ke_test_ key. Simulate payments against real endpoints.
POST /api/v1/transactions returns a buyer payment link and seller tracking link. Webhooks keep your system in sync.
Submit your business details for review — registered or individual. Approved accounts get a ke_live_ key.
POST /api/v1/transactions → create escrow, get buyer + seller links
GET /api/v1/transactions/{id} → live status
GET /api/v1/transactions → list your transactions
POST /api/v1/test/transactions/{id}/simulate-payment → sandbox state changes
Auth: Authorization: Bearer ke_test_xxx · Idempotency-Key supported
Webhooks: transaction.paid / .released / .disputed / .expired / .refunded (HMAC-signed)
Limits: seller receives up to KSh 240,000 per transaction (buyer total within the KSh 250,000 M-Pesa limit). Same transparent escrow fee as the public site.