Developer API
Collect & disburse with a few calls.
A clean, Daraja-style API: OAuth2 client-credentials, a sandbox, prompt-to-pay and signed, retried webhooks — integrate collections and payouts in an afternoon.
In depth
The developer API is built for money, not just requests. You exchange client credentials for a short-lived token, then push a charge to a customer; they confirm in their wallet, and you receive a signed webhook the moment it clears. Every call is idempotent, so a retry after a dropped connection never double-charges.
A charge moves through a clear lifecycle — pending, authorised, completed, declined or expired — that you can poll or receive by webhook. Webhooks are signed with HMAC-SHA256 and retried until acknowledged, so your systems can trust every callback, and balance and transaction queries let you reconcile. A sandbox runs the same contract as production, and rails are abstracted behind the API, so you integrate once and switch providers without changing your code.
Why it matters
Built to be trusted.
- OAuth2 client-credentials with sandbox and production keys.
- Prompt-to-pay (STK push) with status polling.
- HMAC-SHA256 signed, retried webhooks your systems can trust.
What's inside
Developer API — in detail.
OAuth2 tokens
Exchange client credentials for a bearer token.
Charge & status
Push a charge and poll its lifecycle.
Webhooks
Signed callbacks the moment a charge clears.
Balance & history
Query collection balances and transactions.
Real flows
How it works in practice.
Switch between the journeys this capability handles. Each one checks balance and limits, then waits for PIN or biometric authorisation before posting balanced entries to the ledger.
Merchant push (STK)
The merchant pushes a charge through its lifecycle; the customer approves a prompt.
- Balance & limit checked first
- Validation / authorisation gate
- Balanced debits & credits posted
Countries you can launch in
Native apps, one platform
Channels — App · USSD · Web · API
Double-entry, always balanced
More of the platform
One core, every capability.
Ready to launch your wallet?
Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.
