# M-Pesa (Safaricom Daraja)

> M-Pesa is Safaricom's mobile-money platform for Kenya, exposed to developers through the Daraja API. The Daraja REST APIs collect payments (M-Pesa Express / STK Push, C2B), disburse funds (B2C, B2B), query transactions and balances, reverse payments, generate dynamic QR codes, remit taxes to the KRA, and run standing orders (Ratiba) — authorized with OAuth bearer tokens minted from Basic credentials, priced in Kenyan Shillings (KES).

This llms.txt was generated by API Evangelist from the repository catalog. Safaricom does not publish a first-party llms.txt.

## APIs

- [Authorization API](https://developer.safaricom.co.ke/APIs/Authorization): Mint a short-lived OAuth access token (GET /oauth/v1/generate).
- [M-Pesa Express (STK Push)](https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate): Push a PIN prompt to a customer to authorize a paybill/till payment.
- [Customer To Business (C2B)](https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL): Register validation/confirmation URLs and receive inbound payments.
- [Business To Customer (B2C)](https://developer.safaricom.co.ke/APIs/BusinessToCustomer): Disburse funds to customer wallets.
- [Business To Business (B2B)](https://developer.safaricom.co.ke/APIs/BusinessPayBill): Move funds between business shortcodes.
- [B2B Express Checkout (USSD Push)](https://developer.safaricom.co.ke/APIs/B2BExpressCheckout): USSD push to authorize a till-to-paybill payment.
- [Transaction Status](https://developer.safaricom.co.ke/APIs/TransactionStatus): Query the status of a transaction.
- [Account Balance](https://developer.safaricom.co.ke/APIs/AccountBalance): Query a shortcode balance.
- [Reversal](https://developer.safaricom.co.ke/APIs/Reversal): Reverse a transaction.
- [Dynamic QR Code](https://developer.safaricom.co.ke/APIs/DynamicQRCode): Generate a scannable payment QR.
- [Tax Remittance](https://developer.safaricom.co.ke/APIs/TaxRemittance): Remit taxes to the KRA.
- [M-Pesa Ratiba (Standing Order)](https://developer.safaricom.co.ke/APIs/MpesaRatiba): Create recurring collection standing orders.

## Specs

- [OpenAPI 3.0](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/openapi/mpesa-openapi.yml): 14 operations, modeled from the public Daraja documentation.
- [AsyncAPI (webhook/callback surface)](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/asyncapi/mpesa-callbacks-asyncapi.yml): the result/validation/confirmation callbacks Daraja POSTs to your hosted URLs.
- [Postman collection](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/collections/mpesa.postman_collection.json)

## Docs

- [Daraja Developer Portal](https://developer.safaricom.co.ke/)
- [API reference](https://developer.safaricom.co.ke/APIs)
- [Authentication profile](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/authentication/mpesa-authentication.yml)
- [API conventions](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/conventions/mpesa-conventions.yml)
- [Sandbox / test credentials](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/sandbox/mpesa-sandbox.yml)
- [Transaction result codes](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/errors/mpesa-result-codes.yml)
- [API error catalog](https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/errors/mpesa-problem-types.yml)