API integrations, bulk payments, invoicing, and automation for Kenyan enterprises
In 2025, M-PESA is more than a mobile wallet—it’s a full-fledged business platform. From bulk payments and automated invoicing to real-time transaction tracking and API integrations, Safaricom’s M-PESA ecosystem now powers thousands of Kenyan businesses across retail, logistics, fintech, and services. Whether you’re a startup, SME, or large enterprise, the right tools can streamline operations, improve cash flow, and enhance customer experience.
This guide explores the most powerful M-PESA business tools available today, how they work, and how to integrate them into your operations.
1. M-PESA API Integrations
Overview
Safaricom’s Daraja API and G2 Portal allow businesses to connect their websites, apps, and systems directly to M-PESA for seamless payment automation.
Key Features
- Customer to Business (C2B): Receive payments via Paybill or Till
- Business to Customer (B2C): Send money to customers, staff, or vendors
- Business to Business (B2B): Transfer funds between businesses
- Transaction Status & Reversals: Verify payments and automate refunds
- Validation API: Confirm payment details before accepting funds
Integration Steps
- Acquire a Paybill or Till number via Safaricom’s Business Portal
- Register on the Daraja Developer Portal and create a sandbox app
- Upload test cases and verify credentials to go live
- Use SDKs (Java, Python, PHP) or plugins (e.g. WordPress STK Push Toolkit) for integration
2. Bulk Payments and Disbursements
Tools
- B2C API: Automate salary payments, refunds, commissions
- PesaFlux API: Offers fast, secure bulk disbursements with real-time monitoring
- Equitel & NCBA Now: Integrate M-PESA disbursements with business banking
Benefits
- Reduces manual processing
- Enables scheduled payouts
- Supports thousands of transactions per minute
- Includes audit trails and SMS confirmations
3. Invoicing and Payment Validation
Tools
- M-PESA Validation API: Confirms account number, amount, and sender before accepting payment
- Automated Receipts: Generate and email receipts instantly
- Callback URLs: Receive real-time payment notifications to update order status
Use Cases
- E-commerce checkout
- Utility bill payments
- Subscription services
- School fee portals
4. Business Dashboards and Analytics
Features
- Transaction history and reconciliation
- Real-time performance reports
- API usage metrics and error logs
- User management and role-based access
Platforms
- M-PESA G2 Portal: Core dashboard for Paybill/Till management
- PesaFlux Analytics: Advanced reporting and performance tracking
5. Plugins and No-Code Solutions
WordPress Integration
- STK Push Toolkit: Accept payments via M-PESA with automatic order updates
- Callback handling: Updates order status in real time
- Customizable checkout flows: Supports Paybill and Till numbers
Other Platforms
- Shopify, WooCommerce, and custom CMS integrations available via third-party developers
Final Thoughts
In 2025, M-PESA business tools offer more than just mobile payments—they deliver automation, analytics, and scalability. Whether you’re disbursing salaries, validating payments, or integrating with your website, these tools can transform how you operate and grow.
