Services
M-Pesa Daraja API Integration & Fintech Automation
I build bulletproof M-Pesa payment pipelines with real-time callback reconciliation, automated ledger tracking, and multi-tenant payment architectures - for businesses in Kenya and across East Africa that cannot afford missing transactions.
Core Capabilities
1. M-Pesa STK Push & Callback Handling
End-to-end implementation of the Daraja STK Push flow - from initiating payment requests on behalf of customers to receiving, validating, and persisting M-Pesa callback payloads in real time. Every edge case covered: duplicate callbacks, timeout retries, and failed transaction recovery.
2. Automated Ledger Reconciliation
Matching M-Pesa transaction records against internal ledger entries automatically, flagging discrepancies, and generating reconciliation reports. Built for businesses that process high volumes of contributions, subscriptions, or event payments where every shilling must be accounted for.
3. Multi-Tenant Payment Architecture
Payment systems that serve multiple clients or tenants from a single codebase - with strict data isolation, per-tenant M-Pesa shortcode configuration, and role-based access to financial records. Designed for SaaS platforms, bancassurance systems, and aggregator models.
4. Offline-First Payment Sync
Applications that queue transactions locally when connectivity is unreliable and reconcile with the backend once online - critical for field agents, rural event coordinators, and any workflow where network dropouts are common.
5. Webhook Infrastructure & Security
Hardened webhook endpoints that validate Safaricom-signed payloads, handle idempotency correctly, and integrate with queue systems to process callbacks asynchronously - preventing data loss under high transaction volumes.
Why M-Pesa Integration Is Specialized Work
Integrating M-Pesa correctly is not the same as calling a REST API and calling it done. The Daraja API has real-world complexity that only surfaces under production load - callback race conditions, result codes that require domain knowledge to interpret, and reconciliation logic that must handle delayed or duplicate payloads without double-counting or data loss.
- M-Pesa is used by 90%+ of Kenya's adult population - not integrating it correctly costs real money
- Daraja API has quirks (callback timing, result code edge cases) that only surface in production
- Most generic developers treat it as a simple HTTP call - it requires domain-specific handling
- I've built reconciliation systems that handle live events with hundreds of simultaneous payments
Technologies & Stack
Fintech work on this stack is production-proven through projects I own and maintain:
See It In Practice
Ndoa Plan is an offline-first wedding coordination platform I built for Kenyan event coordinators. It reconciles M-Pesa STK push callbacks against guest contribution records in real time, operates fully offline during events, and syncs when connectivity returns - with a conflict-resolution strategy that ensures no payment is lost or double-counted.
Read the Ndoa Plan case studyHow We Can Work Together
Contract
Fixed-scope fintech integration work with clear deliverables and timelines.
Consulting
Architecture review, technical guidance, or team support on M-Pesa integration projects.
Full-time
Embedded on your engineering team building and maintaining payment infrastructure.
Based in Nairobi, Kenya - available for remote and on-site engagements across East Africa and globally.
Have a fintech project in mind?
Whether you need a payment integration from scratch, a reconciliation system for an existing platform, or a technical review of your current Daraja setup - let's talk through it.
Get in touch