M-PESA payments for Kenyan businesses

Your bridge to effortless payments

Accept M-PESA on your website, app or shop with one simple API. Raise money for a cause with one link. Buy airtime in seconds.

Get API keys Start a fundraiser

Just need airtime? Buy it here →

Free test mode, no paperwork
M-PESA prompt on the customer's phone
We never ask for your PIN

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One bridge for every payment

Get paid as a business, a seller or a cause. Pay for everyday things. All with M-PESA.

Get paid

Early access

Payments & API

Accept M-PESA on your website, app or shop. One API, payment alerts the moment money lands, and a record of every shilling.

Test keys the minute you apply
Live access after we check your business
Payment links for WhatsApp and Instagram sellers (planned)

Apply for API access →

Early access

Fundraise

Raise money for medical bills, school fees, funerals, churches and community projects. Share one link; everyone gives with M-PESA.

Every fundraiser checked before it goes live
Every contribution shown on the page
A treasurer approves withdrawals

By application

Bingwa Automate

For Bingwa Sokoni sellers. When a customer pays your till, your selling phone sends their bundle by itself, day and night.

Two apps: one for you, one for the selling phone
Free trial when you're approved

Apply →

Pay

Airtime & bundles

Available now

Top up your line or anyone's in seconds. Safaricom today; Airtel and Telkom next.

Buy airtime →

Buy & Sell Safe

Coming soon

Buying from a seller on Instagram, TikTok or WhatsApp? Pay through their DarajaPay link; they're paid once you confirm your order arrived.

See how it works →

DarajaPay Payments API

Accept M-PESA with one API call

Send an M-PESA prompt to your customer's phone, get told the moment they pay, and see every payment in one place. Works with any website, app or point of sale.

M-PESA prompts (STK push) from your checkout
Signed webhooks the second a payment lands
Payment links and a hosted checkout page (planned)
Test mode with simulated payments, so no real money moves

Get test keys Read the quick start

1ApplyConfirm your phone and your test keys appear straight away.
2Build and testSimulated prompts and webhooks. No real money.
3Send your business papersRegistration certificate, KRA PIN, director's ID.
4Approved: go liveWe SMS you when your business is cleared to take real payments.

DarajaPay Fundraise · early access

Harambee, made simple and honest

Create a fundraiser page, share the link on WhatsApp, and let everyone give with M-PESA. Every shilling is shown, and nobody can quietly take the money out.

Medical bills
School fees
Funerals
Weddings
Churches & mosques
Community projects
Chamas & groups
Charities

Checked before it goes live. We confirm the organiser's ID and the reason, like a hospital bill.
A live, public total. Givers can show their name or stay anonymous.
Safe withdrawals. Money goes only to a verified account, and your treasurer approves it.

Buy & Sell Safe · coming soon

Shop online without the fear of being blocked

Paying a seller on Instagram, TikTok, Facebook or WhatsApp? With Buy & Sell Safe your money is held by our licensed partner, not the seller, until your order arrives. If it never comes, you get it back.

See how it works Join the waitlist

Step 1You pay with M-PESAThrough the seller's protected order link.
Step 2Your money is heldBy our licensed partner, not the seller, until your order arrives.Money held here
Step 3You get your orderGive the seller your handover code when it's in your hands.
Step 4The seller is paidOnly after you confirm, or the check window passes with no problem.

Something wrong? Raise it before you confirm. The money stays held while a person checks both sides, then it goes back to you or on to the seller.

Available now

Airtime and bundles in seconds

Top up your own line or anyone's, right here in your browser. No app and no wallet: you pay with M-PESA for exactly what you buy. Safaricom today; Airtel and Telkom next.

Buy airtime Buy bundles

Buying from an online seller? Buy & Sell Safe is coming soon: the seller is paid only after your order arrives. Join the waitlist

Bingwa Automate · for Bingwa Sokoni sellers

Sell Bingwa bundles on autopilot

Bingwa Automate turns a spare Android phone into your selling assistant. When a customer pays your till, the phone sends their bundle over *180#, day and night.

Matches each M-PESA payment to the right offer
Checks your line's real offers for you
Daily, weekly or monthly plans, with a free trial when you're approved

Apply for Bingwa AutomateApproved sellers get a personal download link. We never send the apps on WhatsApp.

How a sale works

1
A customer pays your tillFor example KES 20 for 20 minutes till midnight.
2
Bingwa Worker reads the M-PESA SMSIt finds the offer that matches the amount paid.
3
The bundle goes out over *180#Your customer gets Safaricom's SMS, and you see the sale in Bingwa Agent.

How we keep your money safe

Pay with M-PESANo wallet to top up and no card. Every payment gets an SMS receipt you can check.

Everyone is checkedBusinesses, fundraisers and Bingwa sellers are all checked by a person before they can take money.

We never ask for your PINType your M-PESA PIN only on your phone's M-PESA prompt. Not to our staff, not to our chat helper.

Help day and nightAsk Daraja any time, and a person on our team checks every money problem.

Questions

Talk to usAsk Daraja any time. If it's about money, a person on our team checks it.

Is DarajaPay part of Safaricom?

No. DarajaPay is a product of BlueBridge Group, an independent company not affiliated with Safaricom. We use M-PESA to take payments.

Can I accept M-PESA on my own website or app?

Yes. Apply for API access on our Payments page. You get test keys straight away, and live access once we've checked your business.

Is money given to a fundraiser safe?

We check every fundraiser before it goes live, show every contribution on its page, and pay out only to accounts we've verified. Organisers can add a treasurer who must approve each withdrawal.

What if my airtime doesn't arrive?

Send the M-PESA code from your SMS to Ask Daraja or our team. A person checks it and completes your top-up or contacts you to put it right.

How do I get Bingwa Automate?

Apply on our Bingwa page. We check every application, and approved sellers get a personal link to download the two apps.

When does Buy & Sell Safe start?

It opens once our licensed partner is in place. Join the waitlist and we'll SMS you the day it opens.