Terms of use

Who we are

DarajaPay is a product of BlueBridge Group. We are independent and not affiliated with Safaricom PLC. M-PESA is a trademark of Safaricom PLC; we use M-PESA to take payments.

What we offer today

• Airtime and bundles for Safaricom lines, paid with M-PESA. You pay for exactly what you buy; there is no wallet.
• Payments API in early access. Test keys only make simulated payments. Live payments come after we check your business.
• Fundraise in early access. Giving is in test mode: no real money moves until our licensed partner is in place, and every fundraiser page says so.
• Bingwa Automate by application only. Approved sellers get a personal download link.
• Buy & Sell Safe is not open yet. We only keep a waitlist.

Paying with M-PESA

• You approve every payment yourself, on the M-PESA prompt on your own phone.
• We never ask for your M-PESA PIN: not our staff, not our chat helper, not by SMS or phone. Anyone who asks for it is not us.
• Test mode means no real money. Wherever a page says test mode, no real M-PESA payment is taken and nothing real is delivered.

When something goes wrong

Tell us with the M-PESA code from your SMS, through Ask Daraja or our team. A person checks every money problem and decides what happens. Our chat helper can open a case for you, but it can't promise a refund or move money.

Applications and checks

Businesses, fundraisers and Bingwa sellers are checked by a person before they can take money. We may ask for documents, call you, refuse an application or close an account that breaks these rules. Fake fundraisers are closed.

Using DarajaPay fairly

• Don't use DarajaPay for fraud, for anything illegal, or to pretend to be someone else.
• Keep your API secret key, passwords and SMS codes to yourself.
• Personal app links are for the approved seller only. Don't forward them. We never send our apps on WhatsApp.

Changes

These are draft terms. We will publish our full terms on this page and tell active customers before anything important changes. See also our privacy page.