Qitero Qitero

M-Pesa Kenya

Country: Kenya (KE)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 90%

M-Pesa Kenya is Safaricom's dominant mobile money wallet holding over 90% market share in Kenya, supporting instant STK push checkout and automated subscription billing.

🔄 User Payment Flow

  1. Customer selects M-Pesa at checkout and inputs their Kenyan phone number
  2. Safaricom triggers an STK Push prompt directly to customer's mobile phone screen
  3. Customer enters their M-Pesa PIN to authorize payment
  4. M-Pesa clears wallet funds in real time and sends confirmation callback to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway (DPO / Flutterwave / Daraja API) for M-Pesa session
  • PSP issues payment token and triggers Safaricom STK push payload
  • PSP receives M-Pesa clearing webhook notification and confirms order status