Money moves like the tide. Build on it.

Accept M-Pesa payments and send payouts through one clean API - without wrestling Daraja yourself. PesaTide handles tokens, callbacks, retries, and reporting so you can ship.

Start with test keys API reference

one integration, every payment

$ curl -X POST https://api.pesatide.com/v1/payments/stk-push \
    -H "x-api-key: pt_live_..." \
    -d '{"amount": 2500, "phone": "0712345678"}'

API for payments & payouts

<3s

STK prompt on the customer's phone

automatic webhook retries

Daraja boilerplate you maintain

What you get

Everything between your app and M-Pesa

Accept payments

Trigger M-Pesa STK Push from your app. Your customer enters a PIN; you get a signed webhook. That's the whole flow.

Send payouts

Pay suppliers, staff, or winners straight to their phones with a single B2C call - one at a time or in bulk.

Test without money

Every account ships with test keys and a full payment simulator, so you integrate end-to-end before a single shilling moves.

Signed webhooks

Every event is HMAC-signed and retried with backoff until your server confirms it. No polling, no lost payments.

Live dashboard

Payments, payouts, keys, and webhook deliveries in one place - filter, inspect, and reconcile without touching a database.

Built for Kenya

Kenyan phone formats, KES amounts, M-Pesa receipts, and Daraja quirks handled for you - by a team that ships on it daily.

For developers

One request. A PIN prompt appears.

No OAuth token juggling, no password timestamps, no callback URL gymnastics. Send an amount and a phone number - we do the Daraja dance and stream the result back to your webhook.

REST API with predictable JSON responses
Test mode simulates success, failure, and cancellation
Idempotent references so retries never double-charge
Interactive API reference with live requests

curl -X POST https://api.pesatide.com/v1/payments/stk-push \
  -H "x-api-key: pt_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 2500,
    "phone": "0712345678",
    "description": "Order #1042"
  }'

How it works

Live in an afternoon

Create an account

Integrate once

One REST API for payments and payouts. Copy a snippet, wire a webhook, ship it.

Go live

Switch to live keys when you're ready. Same code, real money, full visibility.

Pricing

Pay when you get paid

No setup fees, no monthly minimums, no charges on failed payments. One flat rate on successful transactions - that's the whole price list.

2.5%

per successful transaction

Unlimited test transactions - free
Payments and payouts included
Volume pricing for high-traffic merchants

Create your account

The tide is coming in. Be ready to collect.

Free test keys, a full simulator, and a dashboard from day one.

Start building - it's free