M-Pesa (Safaricom Daraja)

M-Pesa is Safaricom's mobile-money platform for Kenya, exposed to developers through the Daraja API. The Daraja REST APIs let businesses collect payments (M-Pesa Express / STK Push, C2B), disburse funds (B2C, B2B), query transactions and balances, reverse payments, generate dynamic QR codes, and run standing orders — authorized with OAuth bearer tokens minted from Basic credentials, priced in Kenyan Shillings (KES).

M-Pesa (Safaricom Daraja) publishes 11 API contracts indexed on the APIs.io network, including Account Balance API, Authorization API, B2C API, and 8 more. Tagged areas include Mobile Money, Payments, Fintech, Kenya, and Africa.

The M-Pesa (Safaricom Daraja) catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

M-Pesa (Safaricom Daraja)’s developer surface includes authentication, documentation, sandbox, API reference, getting-started guide, support, signup flow, and 31 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

49.0/100 developing ▬ flat Agent 29/100 agent ready Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 4 Agent Skills

Mobile Money Payments Fintech Kenya AfricaM-PESA

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Tax Management

BC-220

Tax Remittance

POST /mpesa/b2b/v1/remittax

Consumer Commerce

AE-140

M-Pesa Express

POST /mpesa/stkpush/v1/processrequest

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 49.0/100 · developing

Contract Quality 9.7 / 19

Developer Ergonomics 7.2 / 15

Access Clarity 8.7 / 15

Operational Transparency 2.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.0 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 51.9 — up to +12.0 composite points
Developer Ergonomics scores 48.2 — up to +10.4 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/mpesa/apis.yml: open an issue on github.com/api-evangelist/mpesa to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

M-Pesa (Safaricom Daraja) Account Balance API

The Account Balance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for account balance.

M-Pesa (Safaricom Daraja) Authorization API

The Authorization API from M-Pesa (Safaricom Daraja) — 1 operation(s) for authorization.

M-Pesa (Safaricom Daraja) B2C API

The B2C API from M-Pesa (Safaricom Daraja) — 1 operation(s) for b2c.

M-Pesa (Safaricom Daraja) C2B API

The C2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for c2b.

M-Pesa (Safaricom Daraja) Dynamic QR API

The Dynamic QR API from M-Pesa (Safaricom Daraja) — 1 operation(s) for dynamic qr.

M-Pesa (Safaricom Daraja) M-Pesa Express API

The M-Pesa Express API from M-Pesa (Safaricom Daraja) — 2 operation(s) for m-pesa express.

M-Pesa (Safaricom Daraja) Reversal API

The Reversal API from M-Pesa (Safaricom Daraja) — 1 operation(s) for reversal.

M-Pesa (Safaricom Daraja) Standing Order API

The Standing Order API from M-Pesa (Safaricom Daraja) — 1 operation(s) for standing order.

M-Pesa (Safaricom Daraja) Tax Remittance API

The Tax Remittance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for tax remittance.

M-Pesa (Safaricom Daraja) Transaction Status API

The Transaction Status API from M-Pesa (Safaricom Daraja) — 1 operation(s) for transaction status.

M-Pesa (Safaricom Daraja) B2B API

The B2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for b2b.

Scroll for all 11

Postman Collections 11

Ready-to-run Postman collections for exercising this provider's APIs.

M-Pesa Daraja Account Balance API

POSTMAN

M-Pesa Daraja Account Balance Authorization API

POSTMAN

M-Pesa Daraja Account Balance B2B API

POSTMAN

M-Pesa Daraja Account Balance B2C API

POSTMAN

M-Pesa Daraja Account Balance C2B API

POSTMAN

M-Pesa Daraja Account Balance Dynamic QR API

POSTMAN

M-Pesa Daraja Account Balance M-Pesa Express API

POSTMAN

M-Pesa Daraja Account Balance Reversal API

POSTMAN

M-Pesa Daraja Account Balance Standing Order API

POSTMAN

M-Pesa Daraja Account Balance Tax Remittance API

POSTMAN

M-Pesa Daraja Account Balance Transaction Status API

POSTMAN

Scroll for all 11

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

M-Pesa Daraja Account Balance API

OPEN COLLECTION

M-Pesa Daraja Account Balance Authorization API

OPEN COLLECTION

M-Pesa Daraja Account Balance B2B API

OPEN COLLECTION

M-Pesa Daraja Account Balance B2C API

OPEN COLLECTION

M-Pesa Daraja Account Balance C2B API

OPEN COLLECTION

M-Pesa Daraja Account Balance Dynamic QR API

OPEN COLLECTION

M-Pesa Daraja Account Balance M-Pesa Express API

OPEN COLLECTION

M-Pesa Daraja Account Balance Reversal API

OPEN COLLECTION

M-Pesa Daraja Account Balance Standing Order API

OPEN COLLECTION

M-Pesa Daraja Account Balance Tax Remittance API

OPEN COLLECTION

M-Pesa Daraja Account Balance Transaction Status API

OPEN COLLECTION

Scroll for all 11

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Collect a payment with M-Pesa Express (STK Push)

AGENT SKILL

Disburse funds to a customer (B2C)

AGENT SKILL

Register C2B callbacks and receive customer payments

AGENT SKILL

Check transaction status and reverse a payment

AGENT SKILL

M-Pesa (Safaricom Daraja) API pricing

Not yet checked against M-Pesa (Safaricom Daraja)'s own pricing page. Compiled by API Evangelist on 2026-07-17 from developer.safaricom.co.ke/; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox free	—
Production (Live Shortcode) usage	—
Enterprise / Aggregator enterprise	—

Plan details, limits and sources →

Rate limits

OAuth Token Lifetime: 3599 seconds
Transactions Per Second (TPS): see provider onboarding transactions
Sandbox Throttle: see provider documentation requests

Compiled by API Evangelist, not yet checked against M-Pesa (Safaricom Daraja)'s documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Mpesa Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mpesa Rate Limits

3 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

M-Pesa (Safaricom Daraja)

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Mpesa Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

M-Pesa Daraja Callbacks

The asynchronous callback (webhook) surface of the M-Pesa Daraja API. Daraja delivers the real outcome of collections and funds-movement operations by POSTing JSON to caller-hos...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

M-Pesa (Safaricom Daraja) API Rules

59 rules · 57 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Mpesa Openapi Overlay

4 actions · update · mpesa-openapi.yml

DERIVED

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Mpesa Authentication

http · 3 schemes

SECURITY

Mpesa Domain Security

HSTS · DMARC

SECURITY

Mpesa Vulnerability Disclosure

Hackerone · contact published

SECURITY

Mpesa Trust Center

PCI DSS v4, ISO/IEC 27001, ISO/IEC 27701, GDPR-aligned / Kenya Data Protection Act 2019

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Mpesa Agentic Access

14 operations · 10 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

AsyncAPI

AsyncAPI

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

DataModel

Webhooks

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Packages

DeclineCodes

Postman

Access & Security 6

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

Security

Compliance

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: mpesa
url: https://raw.githubusercontent.com/api-evangelist/mpesa/refs/heads/main/apis.yml
name: M-Pesa (Safaricom Daraja)
kind: company
description: M-Pesa is Safaricom's mobile-money platform for Kenya, exposed to developers through the Daraja API. The Daraja
  REST APIs let businesses collect payments (M-Pesa Express / STK Push, C2B), disburse funds (B2C, B2B), query transactions
  and balances, reverse payments, generate dynamic QR codes, and run standing orders — authorized with OAuth bearer tokens
  minted from Basic credentials, priced in Kenyan Shillings (KES).
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mpesa.png
tags:
- Mobile Money
- Payments
- Fintech
- Kenya
- Africa
- M-PESA
tags_raw:
- Mobile Money
- Payments
- Fintech
- Kenya
- Africa
- M-Pesa
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.23'
apis:
- aid: mpesa:mpesa-account-balance-api
  name: M-Pesa (Safaricom Daraja) Account Balance API
  description: The Account Balance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for account balance.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Account Balance
  properties:
  - type: OpenAPI
    url: openapi/mpesa-account-balance-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-authorization-api
  name: M-Pesa (Safaricom Daraja) Authorization API
  description: The Authorization API from M-Pesa (Safaricom Daraja) — 1 operation(s) for authorization.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Authorization
  properties:
  - type: OpenAPI
    url: openapi/mpesa-authorization-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-b2c-api
  name: M-Pesa (Safaricom Daraja) B2C API
  description: The B2C API from M-Pesa (Safaricom Daraja) — 1 operation(s) for b2c.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Consumer
  tags_raw:
  - B2C
  properties:
  - type: OpenAPI
    url: openapi/mpesa-b2c-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-c2b-api
  name: M-Pesa (Safaricom Daraja) C2B API
  description: The C2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for c2b.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - C2B
  properties:
  - type: OpenAPI
    url: openapi/mpesa-c2b-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-dynamic-qr-api
  name: M-Pesa (Safaricom Daraja) Dynamic QR API
  description: The Dynamic QR API from M-Pesa (Safaricom Daraja) — 1 operation(s) for dynamic qr.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Dynamic QR
  properties:
  - type: OpenAPI
    url: openapi/mpesa-dynamic-qr-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-m-pesa-express-api
  name: M-Pesa (Safaricom Daraja) M-Pesa Express API
  description: The M-Pesa Express API from M-Pesa (Safaricom Daraja) — 2 operation(s) for m-pesa express.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - M-Pesa Express
  properties:
  - type: OpenAPI
    url: openapi/mpesa-m-pesa-express-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-reversal-api
  name: M-Pesa (Safaricom Daraja) Reversal API
  description: The Reversal API from M-Pesa (Safaricom Daraja) — 1 operation(s) for reversal.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Reversal
  properties:
  - type: OpenAPI
    url: openapi/mpesa-reversal-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-standing-order-api
  name: M-Pesa (Safaricom Daraja) Standing Order API
  description: The Standing Order API from M-Pesa (Safaricom Daraja) — 1 operation(s) for standing order.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Standing Order
  properties:
  - type: OpenAPI
    url: openapi/mpesa-standing-order-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-tax-remittance-api
  name: M-Pesa (Safaricom Daraja) Tax Remittance API
  description: The Tax Remittance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for tax remittance.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Tax Remittance
  properties:
  - type: OpenAPI
    url: openapi/mpesa-tax-remittance-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-transaction-status-api
  name: M-Pesa (Safaricom Daraja) Transaction Status API
  description: The Transaction Status API from M-Pesa (Safaricom Daraja) — 1 operation(s) for transaction status.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - Transaction Status
  properties:
  - type: OpenAPI
    url: openapi/mpesa-transaction-status-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
- aid: mpesa:mpesa-b2-b-api
  name: M-Pesa (Safaricom Daraja) B2B API
  description: The B2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for b2b.
  humanURL: https://developer.safaricom.co.ke/APIs/Authorization
  baseURL: https://api.safaricom.co.ke
  tags:
  - B2B
  properties:
  - type: OpenAPI
    url: openapi/mpesa-b2-b-api-openapi.yml
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Authorization
  - type: PostmanCollection
    url: collections/mpesa.postman_collection.json
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaExpressSimulate
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/CustomerToBusinessRegisterURL
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessToCustomer
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BusinessPayBill
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/B2BExpressCheckout
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TransactionStatus
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/AccountBalance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/Reversal
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/DynamicQRCode
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/TaxRemittance
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/BillManager
  - type: Documentation
    url: https://developer.safaricom.co.ke/APIs/MpesaRatiba
common:
- type: CapabilityMap
  url: capabilities/mpesa-capability-edges.yml
  name: M-Pesa (Safaricom Daraja) Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/m-pesa-safaricom-daraja/overview
- type: AgenticAccess
  url: agentic-access/mpesa-agentic-access.yml
- type: TrustCenter
  url: security/mpesa-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/mpesa-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/mpesa-domain-security.yml
- type: Authentication
  url: authentication/mpesa-authentication.yml
- type: GitHubOrganization
  url: https://github.com/safaricom
- type: Website
  url: https://developer.safaricom.co.ke/
- type: Documentation
  url: https://developer.safaricom.co.ke/APIs
- type: Plans
  url: plans/mpesa-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mpesa-rate-limits.yml
- type: FinOps
  url: finops/mpesa-finops.yml
- type: Security
  url: security/mpesa-vulnerability-disclosure.yml
- type: Compliance
  url: security/mpesa-trust-center.yml
- type: Conformance
  url: conformance/mpesa-conformance.yml
- type: Packages
  url: packages/mpesa-packages.yml
- type: X-MCPServerCandidate
  url: mcp/mpesa-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/mpesa-llms.txt
- type: Overlay
  url: overlays/mpesa-openapi-overlay.yaml
- type: ErrorCatalog
  url: errors/mpesa-problem-types.yml
- type: DeclineCodes
  url: errors/mpesa-result-codes.yml
- type: Lifecycle
  url: lifecycle/mpesa-lifecycle.yml
- type: Conventions
  url: conventions/mpesa-conventions.yml
- type: Idempotency
  url: conventions/mpesa-conventions.yml
- type: Sandbox
  url: sandbox/mpesa-sandbox.yml
- type: DataModel
  url: data-model/mpesa-data-model.yml
- type: AsyncAPI
  url: asyncapi/mpesa-callbacks-asyncapi.yml
- type: Webhooks
  url: asyncapi/mpesa-callbacks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://developer.safaricom.co.ke/
- type: APIReference
  url: https://developer.safaricom.co.ke/APIs
- type: GettingStarted
  url: https://developer.safaricom.co.ke/
- type: Support
  url: https://developer.safaricom.co.ke/faqs
- type: SignUp
  url: https://developer.safaricom.co.ke/
- type: TermsOfService
  url: https://developer.safaricom.co.ke/
- type: PrivacyPolicy
  url: https://www.safaricom.co.ke/data-privacy-statements
- type: Postman
  url: collections/mpesa.postman_collection.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

M-Pesa (Safaricom Daraja) API — frequently asked questions

Does M-Pesa (Safaricom Daraja) have an API?

Yes. APIs.io lists 11 APIs from M-Pesa (Safaricom Daraja), including M-Pesa (Safaricom Daraja) Account Balance API, M-Pesa (Safaricom Daraja) Authorization API and M-Pesa (Safaricom Daraja) B2C API, and 8 more.

Is there an OpenAPI specification for the M-Pesa (Safaricom Daraja) API?

Yes. APIs.io indexes 11 OpenAPI specifications for M-Pesa (Safaricom Daraja), each linked for download from this page.

How do I authenticate with the M-Pesa (Safaricom Daraja) API?

M-Pesa (Safaricom Daraja) uses bearer-token authentication (http · 3 schemes). The details are profiled on APIs.io as Mpesa Authentication.

How much does the M-Pesa (Safaricom Daraja) API cost?

APIs.io lists 3 pricing plans for M-Pesa (Safaricom Daraja), with each plan's price, limits and inclusions under Pricing on this page.

Is the M-Pesa (Safaricom Daraja) API ready for AI agents?

M-Pesa (Safaricom Daraja) has a Kin Score of 49.0 out of 100 (developing) and an Agent Readiness score of 29.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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