aid: mpesa
url: https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/apis.yml
name: M-Pesa (Safaricom Daraja)
kind: company
description: M-Pesa is Safaricom's mobile-money platform for Kenya, exposed to developers
  through the Daraja API. The Daraja REST APIs let businesses collect payments (M-Pesa
  Express / STK Push, C2B), disburse funds (B2C, B2B), query transactions and balances,
  reverse payments, generate dynamic QR codes, and run standing orders — authorized
  with OAuth bearer tokens minted from Basic credentials, priced in Kenyan Shillings
  (KES).
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Mobile Money
- Payments
- Fintech
- Kenya
- Africa
- M-Pesa
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: mpesa:mpesa-authorization-api
  name: M-Pesa Authorization API
  tags:
  - OAuth
  - Authentication
  - Access Token
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/Authorization
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Mints a short-lived OAuth access token from Basic-authenticated consumer
    key and secret via GET /oauth/v1/generate?grant_type=client_credentials; the token
    is used as a Bearer credential on all other Daraja calls.
- aid: mpesa:mpesa-express-stk-push-api
  name: M-Pesa Express (STK Push) API
  tags:
  - STK Push
  - Lipa Na M-Pesa
  - Collections
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: M-Pesa Express, formally Lipa Na M-Pesa Online (STK Push — SIM Toolkit
    prompt), pushes a PIN-entry prompt to a customer's phone to authorize a paybill/till
    payment, plus a query endpoint to check the resulting transaction status.
- aid: mpesa:mpesa-c2b-api
  name: M-Pesa Customer To Business (C2B) API
  tags:
  - C2B
  - Collections
  - Paybill
  - Till
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Customer To Business lets customers pay a business paybill or till number
    from M-Pesa; register validation and confirmation callback URLs, and (in sandbox)
    simulate inbound payments.
- aid: mpesa:mpesa-b2c-api
  name: M-Pesa Business To Customer (B2C) API
  tags:
  - B2C
  - Payouts
  - Disbursement
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Business To Customer disburses funds from a business shortcode to customer
    M-Pesa wallets — salaries, supplier payments, winnings, refunds — with results
    returned asynchronously to a registered callback URL.
- aid: mpesa:mpesa-b2b-api
  name: M-Pesa Business To Business (B2B) API
  tags:
  - B2B
  - Merchant Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Business To Business moves funds between business shortcodes (paybill
    to paybill / till), including buy-goods and pay-bill merchant-to-merchant transfers.
- aid: mpesa:mpesa-b2b-express-checkout-api
  name: M-Pesa B2B Express Checkout (USSD Push) API
  tags:
  - B2B Express
  - USSD Push
  - Checkout
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: B2B Express Checkout triggers a USSD push to a paying merchant's till
    operator to authorize a till-to-paybill payment on the spot.
- aid: mpesa:mpesa-transaction-status-api
  name: M-Pesa Transaction Status API
  tags:
  - Transaction Status
  - Query
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/TransactionStatus
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/TransactionStatus
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Checks the status of a completed M-Pesa transaction by transaction ID
    or originator conversation ID; results are delivered to a result callback URL.
- aid: mpesa:mpesa-account-balance-api
  name: M-Pesa Account Balance API
  tags:
  - Account Balance
  - Query
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/AccountBalance
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/AccountBalance
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Queries the available and working balance of a business M-Pesa shortcode;
    results are returned asynchronously to a registered result URL.
- aid: mpesa:mpesa-reversal-api
  name: M-Pesa Reversal API
  tags:
  - Reversal
  - Refund
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/Reversal
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/Reversal
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Reverses an M-Pesa transaction, returning funds from a business shortcode
    back to the originating party; the outcome is posted to a result callback URL.
- aid: mpesa:mpesa-dynamic-qr-api
  name: M-Pesa Dynamic QR Code API
  tags:
  - QR Code
  - Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Generates a dynamic M-Pesa QR code encoding a merchant, amount, and
    reference that a customer scans in the M-Pesa app to pay.
- aid: mpesa:mpesa-tax-remittance-api
  name: M-Pesa Tax Remittance API
  tags:
  - Tax
  - Remittance
  - KRA
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/TaxRemittance
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/TaxRemittance
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Remits taxes from a business shortcode to the Kenya Revenue Authority
    (KRA) via the M-Pesa B2B tax-remittance rails.
- aid: mpesa:mpesa-bill-manager-api
  name: M-Pesa Bill Manager API
  tags:
  - Bill Manager
  - Invoicing
  - Reconciliation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/BillManager
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/BillManager
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: Bill Manager lets billers onboard, send e-invoices and payment reminders,
    and reconcile customer bill payments through M-Pesa.
- aid: mpesa:mpesa-ratiba-standing-order-api
  name: M-Pesa Ratiba (Standing Order) API
  tags:
  - Ratiba
  - Standing Order
  - Recurring
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.safaricom.co.ke/APIs/MpesaRatiba
  baseURL: https://api.safaricom.co.ke
  properties:
  - url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
    type: Documentation
  - url: openapi/mpesa-openapi.yml
    type: OpenAPI
  - url: collections/mpesa.postman_collection.json
    type: PostmanCollection
  description: M-Pesa Ratiba creates external standing orders that automatically
    collect recurring payments from a customer on a defined schedule.
common:
- type: AgenticAccess
  url: agentic-access/mpesa-agentic-access.yml
- type: TrustCenter
  url: security/mpesa-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/mpesa-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/mpesa-domain-security.yml
- type: Authentication
  url: authentication/mpesa-authentication.yml
- type: GitHubOrganization
  url: https://github.com/safaricom
- type: Website
  url: https://developer.safaricom.co.ke/
- type: Documentation
  url: https://developer.safaricom.co.ke/APIs
- type: Plans
  url: plans/mpesa-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mpesa-rate-limits.yml
- type: FinOps
  url: finops/mpesa-finops.yml
- type: Security
  url: security/mpesa-vulnerability-disclosure.yml
- type: Compliance
  url: security/mpesa-trust-center.yml
- type: Conformance
  url: conformance/mpesa-conformance.yml
- type: Packages
  url: packages/mpesa-packages.yml
- type: MCPServer
  url: mcp/mpesa-mcp.yml
- type: LLMsTxt
  url: llms/mpesa-llms.txt
- type: Overlay
  url: overlays/mpesa-openapi-overlay.yaml
- type: ErrorCatalog
  url: errors/mpesa-problem-types.yml
- type: DeclineCodes
  url: errors/mpesa-result-codes.yml
- type: Lifecycle
  url: lifecycle/mpesa-lifecycle.yml
- type: Conventions
  url: conventions/mpesa-conventions.yml
- type: Idempotency
  url: conventions/mpesa-conventions.yml
- type: Sandbox
  url: sandbox/mpesa-sandbox.yml
- type: DataModel
  url: data-model/mpesa-data-model.yml
- type: AsyncAPI
  url: asyncapi/mpesa-callbacks-asyncapi.yml
- type: Webhooks
  url: asyncapi/mpesa-callbacks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developer.safaricom.co.ke/
- type: APIReference
  url: https://developer.safaricom.co.ke/APIs
- type: GettingStarted
  url: https://developer.safaricom.co.ke/
- type: Support
  url: https://developer.safaricom.co.ke/faqs
- type: SignUp
  url: https://developer.safaricom.co.ke/
- type: TermsOfService
  url: https://developer.safaricom.co.ke/
- type: PrivacyPolicy
  url: https://www.safaricom.co.ke/data-privacy-statements
- type: Postman
  url: collections/mpesa.postman_collection.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com