Scale your business on M-Pesa.
One API to accept STK Push, route Paybill splits, and send bulk payouts. Built for teams who are done fighting Daraja's paperwork and flaky webhooks.
Trusted by growing Kenyan businesses
Smart Payment
KES 1,500
Secure M-Pesa STK Push
STK Push
Instant PIN prompt
Bulk Payouts
Same-day settlement
Engineered for M-Pesa scale.
We abstract the complexity of Daraja so you can focus on building your product.
Unified Integration
Connect to one clean REST API and get access to STK Push, Paybill routing, and bulk payouts instantly.
Smart Reconciliation
Every transaction is auto-matched against your ledger in real time, with exportable CSV logs.
Instant Settlement
Withdraw to your bank or M-Pesa the moment a payment clears. No multi-day settlement holds.
Daraja v2 certified. Your integration is CBK regulatory aligned from day one.
import { CyzoraClient } from '@cyzora/pay';
const cyzora = new CyzoraClient({
apiKey: process.env.CYZORA_SECRET_KEY
});
const charge = await cyzora.stkPush({
phone: '254712345678',
amount: 1500,
reference: 'INV-2026-001',
callbackUrl: 'https://api.yourbrand.com/webhooks/cyzora'
});
console.log(charge.status); // 'PendingCustomerInput'See Cyzora Pay in action — official SDKs for Node.js, Python, PHP, and Go.
Powerful tools for growing businesses.
Single API
One integration for STK Push, Paybill, Till, and B2C payouts.
Split Routing
Auto-allocate revenue across sub-merchants, vendors, or banks.
Bulk Payouts
Send wages, refunds, or supplier payments to 1,000 recipients at once.
Compliance
CBK-aligned, signed HMAC webhooks, and full audit-ready transaction logs.
Skip everything painful about going direct
What building on raw Daraja usually looks like, next to what Cyzora gives you on day one.
| Requirement | Going direct | With Cyzora |
|---|---|---|
| Time to first live transaction | 2–6 weeks of Daraja paperwork | Under 5 minutes with sandbox keys |
| Certificate & token management | Manual cert rotation, SOAP/XML quirks | Handled for you, clean JSON API |
| Reconciliation | Manual paybill statement matching | Auto-matched ledger, exportable CSV |
| Payouts to customers or staff | Separate B2C application & approval | Same account, same API, same day |
| Pricing | Bank charges plus paybill rental fees | Flat 1% per success, KES 0 on failure |
Flat 1% per success. Nothing else.
No setup fees, no monthly minimums. Failed or cancelled payments cost KES 0.00.
Built for businesses that live on M-Pesa
“We moved off a raw Daraja integration that broke every few weeks. Cyzora’s webhooks just work, and reconciliation stopped being a Friday-afternoon fire drill.”
Wanjiru Kamau
Co-founder, Duka Fresh (Nairobi)
“The split-payment routing let us pay out vendors automatically the same day a customer checks out. That used to take our finance team two days a week.”
Brian Otieno
CTO, HelaCart
“Sandbox keys in two minutes, live in an afternoon. Support answered a webhook signing question on WhatsApp within the hour.”
Amina Yusuf
Lead Engineer, Soko Rides
Frequently asked questions
How fast can I start integrating Cyzora Pay?
You can generate sandbox API keys in under 2 minutes after creating an account. Live production keys unlock immediately after basic identity verification.
How do webhooks and callback reliability work?
Cyzora sends signed HMAC webhooks with automatic exponential-backoff retries — up to 12 attempts over 24 hours if your server is temporarily unreachable.
Do I need my own Safaricom Paybill or Till number?
No. You can start immediately on a shared Cyzora Paybill or Till. If you already have your own, Cyzora connects it directly via Daraja v2.
What are the transaction fees?
Zero setup fees, zero monthly fees. Cyzora charges a flat 1% per successful transaction, plus a KES 30 flat withdrawal fee. Failed or cancelled payments cost nothing.
Ready to accept M-Pesa payments?
Create your account in under 2 minutes. Sandbox keys instantly, live keys after basic verification.
Response time: under 2 hours during business days