Qitero Qitero

M-Pesa Ethiopia

Country: Ethiopia (ET)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 15%

M-Pesa Ethiopia is a major mobile money platform in Ethiopia operated by Safaricom, featuring STK push notifications, merchant Till payments, and international remittance integration widely used for digital shopping, transfers, and utility payments.

🔄 User Payment Flow

  1. Customer selects M-Pesa at checkout and enters Safaricom mobile phone number
  2. M-Pesa triggers SIM Toolkit (STK Push) prompt directly on customer phone screen
  3. Customer enters secret M-Pesa PIN on mobile handset to authorize charge
  4. Safaricom processes instantaneous balance debit and sends SMS confirmation to customer

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates STK Push payment request via Safaricom Daraja API or payment gateway
  • Safaricom sends authorization prompt to customer SIM card
  • Safaricom dispatches real-time IPN / webhook response to merchant upon PIN confirmation

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal