How to Integrate M-Pesa Into Your Website in Kenya (Step-by-Step Guide)

If you’re building an e-commerce store, selling services, or collecting payments online in Kenya, M-Pesa is a must-have.

Over 30 million Kenyans use M-Pesa daily — and your website needs to meet them where they are.

This guide will show you how to integrate M-Pesa into your WordPress or custom website, even if you’re not a developer. Whether you’re a startup, freelancer, or SME, this step-by-step process is beginner-friendly and locally relevant.

Step 1: Choose the Right Integration Method

There are 3 main ways to integrate M-Pesa:

Safaricom Daraja API (for custom integration)
WordPress/WooCommerce plugins (easy, no-code option)
Third-party gateways like iPay, Pesapal, or Flutterwave

Each has its pros:

Daraja = Full control, ideal for developers
Plugins = Quick, works well with WordPress stores
Gateways = Add multiple payment options, easier onboarding

Need help choosing the best method?
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Step 2: If You’re Using WordPress, Install a Plugin

If you’re on WooCommerce, go with:

M-Pesa Paybill Plugin by PesaPal
M-Pesa Payment Gateway for WooCommerce (by Kenyan devs)

How to do it:

Go to your WordPress dashboard
Navigate to Plugins > Add New
Search for “M-Pesa WooCommerce”
Install and activate your chosen plugin
Enter your Paybill/Till Number, API credentials, and callback URL

Test with the plugin’s sandbox before going live.

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Step 3: If You’re Building Custom, Use Daraja API

For developers or custom sites (Laravel, Django, React, etc.), use Safaricom’s Daraja API.

Register at Safaricom Daraja Portal
Get your Consumer Key and Consumer Secret
Use your business Paybill or Till Number
Implement API endpoints for:
- STK Push (to initiate payment directly on user’s phone)
- C2B (Customer to Business payments)
- B2C (Business to Customer payouts)

Safaricom offers great documentation and sample code in PHP and Python.

Make sure you implement security checks and confirm payment responses via callback URLs.

Step 4: Set Up Confirmation and Validation URLs

These are required for Safaricom’s APIs to:

Send payment status updates
Confirm payment success/failure
Trigger actions (like order confirmation or account top-up)

Your developer will need to:

Create a secure URL endpoint
Accept JSON responses from Safaricom
Log transactions in your database

You can view logs or test responses using Postman or tools like Ngrok.

Step 5: Go Live and Test Everything

Before you go live:

Test on Safaricom’s Sandbox environment
Check for response delays, failed transactions, and errors
Ensure your SSL certificate is valid for production API calls

Once stable:

Switch your API keys to live mode
Monitor transactions using your plugin dashboard or payment gateway portal

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Bonus: Third-Party Integrations (No Code Required)

If you don’t want the headache of setup, use tools like:

Pesapal – Popular in Kenya, supports M-Pesa, Airtel Money, Visa, etc.
iPay – Offers local M-Pesa checkout + other methods
Flutterwave – Offers global cards, mobile money, and local wallets

These tools offer one dashboard, built-in reports, and zero coding.

Final Thoughts

Integrating M-Pesa into your website isn’t just about convenience — it’s about conversion. If your visitors can’t pay how they want, they’ll bounce.

At Tera Creations, we help Kenyan businesses build payment-ready websites — fast, mobile-first, and secure.

Need help setting up your M-Pesa integration from scratch?

How to Integrate M-Pesa Into Your Website in Kenya (Step-by-Step Guide)