Add M-Pesa escrow to your platform with one REST API — we handle the STK push, fund holding, notifications and release. Your buyers and sellers never touch Daraja.
You POST the deal details — we collect the money, hold it safely, notify both parties, and release or refund on your terms.
Create a transaction with a single POST — item, amount, phones, deadline. We return a buyer payment link and a seller tracking link instantly.
Live transactions fire a real STK push to the buyer's phone. No Daraja integration, no shortcode paperwork, no callback plumbing on your side.
Every status change — paid, released, disputed, refunded, expired — POSTs a signed JSON event to your endpoint. Verify with HMAC-SHA256.
Test keys create fully simulated transactions — no money, SMS or WhatsApp moves. Simulate payments and drive the whole lifecycle from the dashboard.
Send an Idempotency-Key and retries can never create duplicate orders — safe for unreliable networks and queue consumers.
Buyers can dispute from the escrow page; your team reviews and refunds or releases. The hard part of trust is already built.
Marketplaces, classifieds, freelance platforms, e-commerce stores, ticketing and booking services — anywhere two strangers need to exchange money for goods or services, escrow is the missing trust layer. Until now, building it meant integrating Daraja yourself, managing funds, and handling disputes. The Kenya Escrow Business API wraps all of that in one call.
buyer_link.Register and get a ke_test_ key instantly — no approval needed. Test transactions simulate the full lifecycle, fire real signed webhooks, and never touch money or SMS. When you're ready, submit your business details for compliance review and receive a ke_live_ key.
API transactions use the same transparent fee schedule as the public site — a small escrow service fee paid by the buyer, decreasing as amounts grow. Sellers receive up to KSh 240,000 per transaction. See the pricing page for the full breakdown.
Register, get a test key instantly, and create your first sandbox transaction in minutes.
Get API Keys