Payment Integration API

Accept Payments Across Africa With One API

Integrate M-Pesa, Airtel Money, card payments and more into your app or website. Developer-friendly, reliable, and built for scale.

Start Integrating Free View API Docs
Supports: M-Pesa Visa/Mastercard Airtel Money

1,000+

Businesses Integrated

5M+

Transactions Processed

99.9%

API Uptime

<2s

Average Response Time

Mobile payment integration
About Paywave Express

One API. Every Payment Method in Africa.

Paywave Express provides a unified payment gateway that lets developers integrate M-Pesa STK Push, card payments, Airtel Money and bank transfers with just a few lines of code. No more juggling multiple payment providers.

Built for developers in Africa, our RESTful API comes with comprehensive documentation, sandbox testing, webhook notifications, and real-time transaction tracking.

M-Pesa STK Push Trigger payment prompts directly on your customers' phones. Instant confirmation via webhooks.
Card & Mobile Money Accept Visa, Mastercard, Airtel Money and more through a single integration point.
Our Purpose

Vision & Mission

Driving financial inclusion across Africa through accessible payment technology.

Our Vision

To become Africa's most trusted payment infrastructure — empowering every business, from startups to enterprises, to accept payments seamlessly across the continent.

Our Mission

To simplify payment integration for African developers by providing a reliable, developer-first API that unifies M-Pesa, card payments, and mobile money into one powerful platform.

Payment Methods

Every Payment Channel You Need

Accept payments from customers through their preferred method — all through one API.

M-Pesa STK Push

Initiate Lipa Na M-Pesa payments with STK Push. Supports Paybill, Till Number, and direct bank account payments.

Card Payments

Accept Visa, Mastercard, and American Express. PCI-DSS compliant with 3D Secure authentication.

Airtel Money

Collect payments via Airtel Money across Kenya and East Africa. Real-time confirmation and settlement.

Bank Transfers

Enable direct bank-to-bank transfers. Support for all major Kenyan banks with instant verification.

Webhooks & Callbacks

Get real-time notifications for every transaction. Configure custom webhook URLs for instant updates.

Sandbox Testing

Test your integration in our sandbox environment before going live. Simulate payments without real money.

// Initiate M-Pesa STK Push with Paywave Express API
fetch('https://paywavexpress.co.ke/v1/stkpush', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    api_key: 'your_api_key',
    email: 'your@email.com',
    amount: '100',
    msisdn: '0712345678',
    reference: 'ORDER-001'
  })
})
Integration

Go Live in 4 Simple Steps

From sign-up to accepting real payments in minutes, not weeks.

1

Create Account

Sign up and get instant access to your developer dashboard.

2

Get API Keys

Generate your API keys and link your M-Pesa, card, or Airtel Money accounts.

3

Integrate & Test

Use our sandbox to test payments. Copy-paste ready code samples.

4

Go Live

Switch to production and start collecting real payments instantly.

Payment analytics dashboard
Why Paywave Express

Built for Developers, Trusted by Businesses

Developer-First API

RESTful endpoints, comprehensive docs, code samples in PHP, Python, Node.js and more.

Real-Time Webhooks

Instant payment notifications. Never miss a transaction with reliable callback delivery.

Multi-Channel Payments

M-Pesa, Airtel Money, Visa, Mastercard — one integration, every payment method.

Transparent Pricing

No hidden fees. Pay per successful transaction with volume discounts.

Sandbox Environment

Test everything in sandbox before going live. No real money, full API simulation.

Pricing

Simple, Transparent Pricing

No hidden fees. Choose the plan that fits your business.

Starter
For testing & small projects
400
  • Unlimited API calls/month
  • M-Pesa STK Push
  • Sandbox access
  • Basic webhooks
  • Email support
Get Started
Growth
For growing businesses
4000 per Year
  • Unlimited API calls
  • M-Pesa + Card + Airtel
  • Real-time dashboard
  • Priority webhooks
  • Priority support
  • Transaction reports
Start Now
Enterprise
Custom pricing for scale
Custom
  • Volume discounts
  • All payment methods
  • Dedicated account manager
  • Custom integration support
  • SLA guarantee
Contact Sales
FAQ

Frequently Asked Questions

Most developers integrate Paywave Express in under 30 minutes. Our API is RESTful with copy-paste code samples in PHP, Python, Node.js and JavaScript. Start with sandbox testing and go live when ready.
Paywave Express supports M-Pesa STK Push (Paybill, Till Number, Bank), Visa/Mastercard card payments, Airtel Money, and direct bank transfers. More payment methods are being added regularly.
Yes! Every account gets free sandbox access. You can simulate M-Pesa STK Push, card payments and callbacks without processing real money. Perfect for development and QA testing.
Paywave Express sends real-time webhook notifications to your configured callback URL for every transaction. You can also poll our Transaction Status API to check payment status programmatically.
Our Starter plan is free with Unlimited API calls/month. The Growth plan charges 0% per successful transaction with no monthly fees. Enterprise customers get custom volume-based pricing.

Ready to Accept Payments?

Join 1,000+ businesses using Paywave Express to collect M-Pesa, card and mobile money payments.

Create Free Account
Contact

Get In Touch

Have questions about integration? Our team is here to help.

Call Us
254112 059 873
WhatsApp
Chat with Us
Email
support@paywavexpress.co.ke