Trusted by 500+ Kenyan businesses

Ship M-Pesa payments without the headaches

Stop chasing failed STKs, manual reconciliations, and delayed callbacks. SWIFT-WALLET routes, tracks, and reconciles every payment end-to-end—so you can focus on your product.

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99.9% Uptime
No setup fees
24/7 Support
M-Pesa Payment Flow Diagram Illustration showing how SWIFT-WALLET processes M-Pesa payments: from STK Push initiation on a mobile phone, through the SWIFT-WALLET API, to settlement with webhook callback notifications. M-PESA STK Push SWIFT WALLET API KES Settled Webhook callback

For Businesses

Accept M-Pesa payments without building complex integrations. Focus on selling while we handle the payment infrastructure.

  • Instant payment links—no coding required
  • Automatic receipts and reconciliation reports
  • Support for Paybill, Till, and Bank settlement
  • Real-time dashboard with transaction insights
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For Developers

A clean RESTful API that abstracts M-Pesa complexity. Ship payment features in hours, not weeks.

  • Single endpoint for STK Push initiation
  • Reliable webhooks with retry logic
  • Sandbox environment for testing
  • Comprehensive API documentation
Read the Docs

How It Works

Three steps to accept M-Pesa payments. We handle everything between initiation and settlement.

1

Initiate

Call our API or use a payment link. We send STK Push to your customer's phone instantly.

2

Track

Monitor payment status in real-time. Get webhook callbacks the moment a transaction completes.

3

Reconcile

Funds settle to your chosen channel. Download detailed reports for bookkeeping.

Flexible Payment Channels

Route payments where you need them. All channels managed through a single API.

Paybill

Route payments to your existing business Paybill with specific account numbers for easy reconciliation.

  • Account reference tracking
  • Detailed transaction reports
  • Multi-merchant support

Till Number

Direct payments to your business Till Number for immediate settlement and simplified flow.

  • Instant settlement
  • Perfect for retail
  • Simple integration

Bank Settlement

Route payments through bank Paybills for direct settlement to your business bank account.

  • Direct bank deposits
  • Financial controls
  • Audit-friendly

Built for Every Business

From startups to enterprises, SWIFT-WALLET powers payment processing across diverse industries in Kenya.

E-commerce

Seamless checkout for online stores and marketplaces.

Education

School fees and course payments with auto receipts.

Healthcare

Medical bills and telemedicine consultations.

Logistics

Delivery payments with real-time tracking.

Food & Beverage

Restaurant orders and food delivery payments.

Real Estate

Property bookings and rent collection.

Entertainment

Event tickets and gaming credits.

SaaS

Subscription billing with auto-renewals.

Developer-Friendly API

Built for developers, designed for scale. Our RESTful API provides everything you need to integrate M-Pesa payments seamlessly.

Lightning Fast Integration

Get started in minutes with comprehensive documentation and sandbox.

Enterprise Security

API key authentication, request validation, and comprehensive logging.

Reliable Webhooks

Instant payment status updates with automatic retries.

View Documentation Get API Keys 
// Initialize M-Pesa Payment
            curl -X POST https://swiftwallet.co.ke/v3/pay-request/payments.php \
            -H "Authorization: Bearer YOUR_API_KEY" \
            -H "Content-Type: application/json" \
            -d '{
                "amount": 1500,
                "phone_number": "0798765432",
                "external_reference": "ORDER-12345",
                "callback_url": "https://yoursite.com/webhook"
            }'

            // Response
            {
            "success": true,
            "status": "INITIATED",
            "message": "STK Push sent successfully",
            "transaction_id": 12847,
            "checkout_request_id": "ws_CO_14012024..."
            }

Frequently Asked Questions

Quick answers about integration, pricing, and how SWIFT-WALLET works.

Most developers complete integration within a few hours. Our API is straightforward—send a POST request with amount, phone number, and callback URL. We handle STK Push, status tracking, and webhook delivery automatically.
We charge a small percentage per successful transaction. There are no setup fees, monthly minimums, or hidden charges. You only pay when you get paid. Contact us for volume pricing.
When a payment status changes, we POST a JSON payload to your callback URL. Webhooks include transaction ID, status, amount, and M-Pesa receipt. We retry failed deliveries automatically for up to 24 hours.
Settlement timing depends on your channel. Till Numbers settle instantly. Paybill and Bank channels follow standard M-Pesa settlement schedules—typically same-day or next business day.
Yes. After signing up, you get sandbox API keys to test integration without real money. The sandbox simulates STK Push flows, webhooks, and various response scenarios so you can build confidently.

Ready to simplify M-Pesa payments?

Join thousands of Kenyan businesses that trust SWIFT-WALLET for their payment processing needs.

Start Free Integration Explore Documentation
Free sandbox environment
No setup fees
24/7 support