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Take Payments on Every Rail Your Customers Use

Kenyan customers pay by mobile money, by bank, by card and through government portals — and a business that only accepts one of them loses the rest. We wire the lot into your website, app or system, and make them reconcile themselves.

  • Mobile money, bank, card and government portals in one flow
  • Callbacks that survive timeouts, retries and duplicate payments
  • Every transaction matched to an order or invoice automatically

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No cost, no obligation.

Who this is for

You need this if payments still involve a human

If someone on your team reads payment messages and ticks off a list, you are paying a salary to do what an API does for free — and still getting it wrong sometimes.

  • Online shops where customers “send to till and screenshot”
  • Schools, SACCOs and associations collecting fees or contributions
  • Clinics, agencies and service firms invoicing repeat clients
  • Booking and delivery services that need payment before dispatch
  • Businesses whose bank and till statements never match their sales record
  • Developers who need a payment layer built properly, once
What you get

Everything included

  • M-Pesa, in full. Daraja STK Push, C2B, B2C and B2B, with go-live handled and credentials in your name.
  • Airtel Money. The same flows for customers who are not on Safaricom.
  • Cards. Visa and Mastercard through Pesapal, Flutterwave, DPO or Stripe, for local and international buyers.
  • Banks. Bank transfer and PesaLink reconciliation, direct debits and bank API integration where your bank offers it.
  • Government portals. eCitizen and other public payment gateways connected where your service requires them.
  • Bulletproof callbacks. Idempotent handling so a retried or duplicate callback never double-credits an order.
  • Reconciliation. Every payment matched to an order or invoice, with a report you can hand your accountant.
  • Receipts and testing. Automatic SMS or email confirmation, and live transactions tested before you go live.
Pricing

Payment integration pricing

Fixed price, agreed before we start. Most projects land in the first two rows.

PackageBest forPrice
One payment method
A single rail on an existing site or app
3–5 daysKSh 15,000 – 25,000
Full payment layer
Mobile money + card + callbacks + reconciliation
1–2 weeksKSh 30,000 – 70,000
WooCommerce / WordPress
Checkout on your existing shop
2–5 daysKSh 15,000 – 30,000
Payouts
Send money out to customers, riders or agents
1–2 weeksKSh 35,000 – 70,000
Rescue job
Fix an integration someone else left broken
Quoted after reviewFrom KSh 10,000

Providers charge their own per-transaction fees, billed to you directly by Safaricom, your bank or your card gateway — not by us. We will tell you what to expect before you choose a rail.

How it works

From call to live payments in about a week

1. We look at your setup

What system you have, which rails your customers actually use, and what a payment should trigger.

2. We build and test

Sandbox first, then live transactions with small real amounts so you watch money arrive before launch.

3. You go live

We monitor the first days of live traffic, then hand over the code, the credentials and the documentation.

Questions

Payment integration questions

Which payment methods can you integrate?

M-Pesa (STK Push, C2B, B2C, B2B) and Airtel Money for mobile money; Visa and Mastercard through gateways such as Pesapal, Flutterwave, DPO and Stripe; bank transfers, PesaLink and direct bank APIs where your bank offers them; and government portals including eCitizen where your service requires it. Most clients start with M-Pesa and add the others as they grow.

Do I need my own Paybill, Till or merchant account?

Yes. The merchant accounts must be registered to your business so money goes straight to you and never passes through us. We guide you through each application and handle every technical step after that.

How much does payment integration cost in Kenya?

A single payment method on an existing site is typically KSh 15,000 to KSh 25,000. A full layer with several rails, callbacks and automatic reconciliation runs KSh 30,000 to KSh 70,000. You get a fixed figure in writing before work starts.

What happens when a payment fails or the customer cancels?

This is the part most integrations get wrong. We handle timeouts, cancelled prompts, insufficient balance and duplicate callbacks explicitly, so an order is only marked paid when the provider has actually confirmed the money. Failed attempts are logged so you can follow up.

Can you make the payments reconcile with our accounting?

Yes. Every transaction is matched to an order or invoice inside your system, and we can export or push the results into your accounting package so your books balance without manual entry.

Will I own the code?

Yes. Source code, API credentials and hosting accounts are all yours. You are never locked into us to make changes later.

Also from QSet

We build the rest of it too

Most clients start with one thing and grow into the others. It all comes from the same team.

Ready to stop checking payment screenshots?

Tell us which rails your customers use and what system they plug into. We will tell you the cost and the timeline.

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