SOLUTIONS · M-PESA · KENYA
Find the right starting point for accepting M-Pesa, whether you run a custom site, a Shopify store or a WooCommerce shop. Each guide below explains what is available, what to check and how to connect to Payment Gateway Kenya.
Payment Gateway Kenya is a payment gateway for M-Pesa pay-ins, plus payouts where confirmed for the account. You connect through the API (H2H) or the Hosted Payment Page, which are two ways into the same gateway rather than separate products. The guides on this page are grouped so you can go straight to the one that matches your setup.
Start here if you want to understand how money moves before choosing a platform. These guides cover M-Pesa collections and the difference between 2D and 3D card flows.
Accept M-Pesa pay-ins on your website or app through the API (H2H) or the Hosted Payment Page. The guide explains M-PESA Express (Lipa na M-PESA Online), the prompt-style request started by a business, often called 'STK Push' in Safaricom documentation, and how it differs from PayBill and Till. What you get: an overview of the pay-in flow; how postbacks send transaction status to your system; how payouts, where confirmed for the account, sit apart from merchant settlement.
A plain explanation of 2D and 3D card flows and what the difference means for a merchant. Payment Gateway Kenya does not offer 2D or non-3DS processing; card flows are 3D-only. What you get: the difference between 2D and 3D authentication; why we only support 3D-only card flows; what to ask any provider that offers 2D.
Choose this group if your store runs on Shopify or WooCommerce. Each guide explains the current position for Kenyan merchants and how a connection to our gateway can work.
Ways to collect M-Pesa for a Shopify store, using the API (H2H) or the Hosted Payment Page. We do not promise a third-party app or an automatic install, so ask our team which approach suits your store. What you get: the connection routes explained; what to prepare before you start; the questions to settle with our team.
What Shopify merchants in Kenya should check when choosing a payment gateway. Kenya was not on Shopify's official Shopify Payments country list when checked on 5 November 2026. What you get: the Shopify Payments position for Kenya; points to compare between gateways; how an M-Pesa route fits a Shopify store.
How a WooCommerce shop can take M-Pesa pay-ins through the API (H2H) or the Hosted Payment Page. The guide sets out the steps on your side and leaves plugin questions to a conversation with our team. What you get: the two connection routes compared; how postbacks update order status in your shop; a checklist for your developer.
Use these guides if you are still weighing options. They help you compare providers and methods using questions you can put to any supplier.
What Kenyan businesses should check about Stripe availability and how an M-Pesa gateway compares. Confirm current eligibility directly with Stripe before you plan around it. What you get: the points to verify with Stripe; how M-Pesa collection differs; when an M-Pesa gateway may suit you better.
A guide to comparing payment service providers in Kenya by connection route, supported methods and how settlement works. It also outlines the regulatory context set by the Central Bank of Kenya and the National Payment System Act 2011. What you get: a comparison checklist; questions on pay-ins, payouts and settlement; the regulatory background in plain terms.
An overview of the payment methods Kenyan customers use and what each means for checkout. Payment Gateway Kenya supports M-Pesa as its method in Kenya. What you get: a summary of common methods; which method we support; how to match methods to your customers.
Start with your platform. If you run Shopify or WooCommerce, open the platform guide first; if you have a custom site or app, start with the M-Pesa guide. Then decide between the API (H2H), which gives your developers full control, and the Hosted Payment Page, which keeps the payment step on a page we host.
Next, map the three flows you need: pay-ins from customers, payouts to customers where confirmed for the account, and merchant settlement to you. Merchant settlements are sent on the same day (T+0). Our overall transaction success rate is 85%, measured as successful transactions divided by all transactions.
In Kenya we support M-Pesa. The gateway handles M-Pesa pay-ins, plus payouts where confirmed for the account.
No. The API (H2H) and the Hosted Payment Page are two ways into the same gateway. H2H is not a white-label product.
We do not promise a third-party app, plugin or automatic install. Ask our team which connection approach suits your store.
Merchant settlements are sent on the same day (T+0). This describes when settlement is sent, not when funds are credited to your account.
Postbacks send transaction status to your system so you can update orders. They are not a customer notification service.
No. Card flows are 3D-only, and we do not offer 2D or non-3DS processing.
Pricing is custom, so talk to sales for details. Existing merchants can add supported payment methods at no extra connection fee; the number of enabled methods does not change the connection price.