Now Live in Kenya  🇰🇪

The Payment
Infrastructure
Built for Africa

Accept M-Pesa payments, power your online store, and access real-time analytics — all from one unified platform. Built for Kenyan businesses, designed for growth.

Create Free Account View API Docs
0B+
KES Processed
0%
Business Rate
0%
API Uptime
Live
Total Escrow Balance
148,500.00
KES · Refreshed 2s ago
↑ +8.4%
Today's Volume
+24,300
Pending Payout
8,700
JK
John Kamau
2 min ago · M-Pesa
+KES 5,000
AH
Amina Hassan
18 min ago · Card
+KES 12,000
↑
Withdrawal
1 hr ago · M-Pesa
-KES 20,000
This Week
+187,400
KES revenue ↑ 34%
Approval Rate
98.7%
Instant settlement
Platform by the numbers
💰 0
KES Processed Monthly
↑ 210% year-over-year
🏪 0
Active Businesses
Across all 47 counties
⚡ 0
API Uptime SLA
99.9% guaranteed
🔄 0
Transactions Processed
Last 30 days
Real Businesses, Real Results

Powering Kenya's
next generation

From solo entrepreneurs to SMEs — Payza is the financial backbone of thousands of growing businesses.

Amina Ochieng, Fashion Entrepreneur
Fashion Entrepreneur
Amina Ochieng

"Payza transformed how I collect payments. My M-Pesa sales went up 340% in just 3 months."

+KES 2.1M Revenue collected this year
David Mutua, Tech Founder
Tech Founder
David Mutua

"The Payza API took 20 minutes to integrate. Our checkout conversion rate improved by 62%."

+12,400 Transactions this quarter
Grace Njeri, Beauty & Wellness Owner
Beauty & Wellness Owner
Grace Njeri

"My clients love paying via M-Pesa. Payza's dashboard gives me full visibility into every shilling."

98.7% Payment success rate
Platform Features

Everything to get paid,
nothing you don't need

One platform. All the tools your business needs to grow.

🔑

API Keys & Integration

Generate test and live API keys instantly. Integrate into any website or app in under 20 minutes with our clean REST API and SDKs.

↗ Developer-first
🏦

Escrow Wallet

All received payments held securely in your escrow wallet. Request withdrawals to M-Pesa or bank anytime with real-time settlement tracking.

↗ Instant settlement
🛒

eCommerce Storefront

Build a beautiful branded online store. List unlimited products and services. Get a unique store URL to share with your customers instantly.

↗ No coding needed
📱

M-Pesa First

Native M-Pesa integration with STK push. Customers pay in 2 taps. Instant confirmations and real-time balance updates to your dashboard.

↗ STK Push included
📊

Real-time Analytics

Monitor transactions, track revenue trends, manage withdrawals, and view deep analytics — all in a beautiful, intuitive dashboard built for speed.

↗ Live dashboards
🔒

Bank-grade Security

HMAC webhook signatures, encrypted data at rest, PCI-DSS compliant flows. Your money and your customers' data are protected by enterprise-grade security.

↗ SOC2 compliant
Analytics Dashboard

Your revenue, in
real-time clarity

Every transaction tracked. Every trend surfaced. Powerful analytics built for fast-moving businesses.

Revenue Overview
KES 2,847,300 ↑ 34.2%
Total revenue this period
0 500K 1M 1.5M +KES 284K 1 Jun 10 Jun 20 Jun 30 Jun
Successful Txns
8,437
Avg. Value
KES 338
Success Rate
98.7%
📈
Monthly Active Revenue
KES 2.4B
↑ 210% year over year
🏪
Businesses on Platform
12,400+
↑ 3,200 new this quarter
⚡
Avg. Payment Processing
1.2 sec
Faster than industry avg (4.3s)
How It Works

Live in under
10 minutes

01

Create Account

Sign up free with your business details. Verification takes under 2 minutes. No paperwork.

02

Get API Keys

Generate test keys, build and test in sandbox, then go live with a single click.

03

Accept Payments

Customers pay via M-Pesa, card, or bank. Funds settle to your escrow wallet instantly.

04

Withdraw Anytime

Request payouts to M-Pesa or your bank. Processed within 24 hours, usually instant.

Transparent Pricing

Simple, honest pricing

No hidden charges. Pay only when you earn. Start free, scale forever.

Starter
Free
forever, no credit card needed

Perfect for individuals and small side projects just getting started.

  • ✓ 2.5% per transaction
  • ✓ 2 API key pairs
  • ✓ 1 Store page
  • ✓ M-Pesa payments
  • ✓ Basic dashboard
  • × Priority support
  • × Custom webhooks
Get Started Free
Most Popular
Business
1.5%
per transaction, no monthly fee

For growing businesses that need more power, lower fees, and full analytics.

  • ✓ 1.5% per transaction
  • ✓ Unlimited API keys
  • ✓ Unlimited stores
  • ✓ M-Pesa + Card + Bank
  • ✓ Auto withdrawal (24hrs)
  • ✓ Priority support
  • ✓ Custom webhook URLs
Start Now — It's Free
Enterprise
Custom
volume pricing, dedicated support

High-volume operations needing negotiated rates, SLAs, and white-labelling.

  • ✓ Negotiated rates
  • ✓ Dedicated account manager
  • ✓ SLA guarantee
  • ✓ White-label option
  • ✓ Instant withdrawals
  • ✓ 24/7 priority support
  • ✓ Custom integrations
Contact Sales →
Developer API

Clean API.
Beautiful docs.

RESTful JSON API. Sandbox & live. HMAC webhooks. Built for speed.

⚡
Sandbox & Live environments
Build and test safely, then flip to production with one flag. No code changes needed.
🔒
HMAC Webhook Verification
Every event signed with your secret. Verify authenticity server-side in 2 lines of code.
🔄
Idempotent Requests
Retry safely. Pass an idempotency key and we handle deduplication automatically.
📦
SDKs for Node, PHP, Python
Official libraries with full TypeScript types. Community SDKs for Go and Ruby.
JSON · REST API
// POST /api/v1/pay
{
  "public_key": "pk_live_xxxxxxxxxxxx",
  "amount": 5000,
  "currency": "KES",
  "reference": "ORDER_001",
  "customer": {
    "email": "customer@email.com",
    "name": "John Kamau",
    "phone": "+254700000000"
  },
  "callback_url": "https://yoursite.com/cb"
}

// ✓ Response 200
{
  "success": true,
  "payment_url": "https://pay.payza.africa/TXN_...",
  "reference": "TXN_A1B2C3_1234567890",
  "expires_at": "2024-06-30T15:00:00Z"
}
Get Started Today

Ready to get paid
across Africa?

Join 12,000+ businesses collecting payments the smart way.

Create Free Account → View API Docs

No credit card required · Free forever plan · Setup in 10 minutes