M-Pesa (Safaricom Daraja) · FinOps Profile

Mpesa Finops

FinOps view of M-Pesa Daraja spend. The Daraja API carries no per-call fee; cost is the underlying M-Pesa transaction tariff per product (C2B collection, B2C disbursement, B2B transfer), billed in Kenyan Shillings (KES) and settled against the business shortcode float. Tariffs follow CBK-regulated bands and the merchant's commercial agreement, so cost is driven by transaction count, amount band, and product mix rather than by API usage.

Mpesa Finops is the FinOps profile for M-Pesa (Safaricom Daraja) on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 4 billable meters, billed in KES, on a per-transaction cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Mobile Money, Payments, Kenya, FinOps, and Cost Management.

Category: Payments and Financial Services Pricing: Usage-Based Billing: Per-Transaction FOCUS v1.3
Mobile MoneyPaymentsKenyaFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsageTaxAdjustment

FOCUS Columns

BillingCurrency
KES
ChargeCategory
Usage
InvoiceIssuerName
Safaricom
PricingCategory
Usage-Based
ProviderName
Safaricom
PublisherName
Safaricom
ServiceCategory
Payments and Financial Services
ServiceName
M-Pesa Daraja

Meters

c2b_collection_transactions
Unit: transactions
Inbound C2B / STK Push collection transactions, tariffed per amount band.
b2c_disbursement_transactions
Unit: transactions
Outbound B2C payouts (salary/business/promotion), tariffed per amount band.
b2b_transfer_transactions
Unit: transactions
Business-to-business transfers between shortcodes, tariffed per amount band.
float_balance
Unit: KES
Working/available float on the business shortcode funding disbursements.

Sources