USSD & shortcodes · API & payment integration
Take M-Pesa and Airtel Money payments from a USSD menu.
Let users pay, check balances or make requests straight from your USSD service. We connect your menus to mobile money, your database and the other systems your service depends on, so every step happens in one session.
What’s included
What API & payment integration covers
- 01
M-Pesa integration
Payment prompts sent to the user’s phone with M-Pesa STK push, and payments confirmed automatically.
- 02
Airtel Money
Payments from Airtel Money users on the same service.
- 03
Database connections
Look up accounts, balances and records in your existing database.
- 04
Third-party APIs
Connections to core banking, ERP, CRM or other systems you already use.
- 05
SMS confirmations
A receipt by SMS after each transaction.
- 06
Reconciliation
Payment records that match up with your accounts.
How it works
Three steps, no jargon.
- 1
Review
We look at the systems you use today and how payments should flow.
- 2
Integrate
We build the connections and test them in sandbox environments first.
- 3
Go live
We switch to live credentials and watch the first real transactions closely.
What you get
- Mobile money payments inside your USSD service
- Connections to your database and systems
- SMS receipts for transactions
- Payment records for reconciliation
A good fit for
- SACCOs taking contributions and loan repayments
- Utilities and schools collecting payments
- Churches and charities collecting tithes and donations
Do I need a paybill or till number?
Yes. To receive M-Pesa payments you need a paybill or till number from Safaricom. If you don’t have one, we can guide you through getting it.
Is it secure?
Payments are confirmed by the user entering their own M-Pesa PIN on their phone, and we never see or store it. We also secure the connections between your systems.
Can you connect to our existing system?
Usually, yes, as long as it has an API or a database we can safely connect to. We’ll review it at the start.
More USSD & shortcodes services
Overview- Custom USSD app developmentInteractive menu flows tailored to your business needs.
- Short code acquisition & setupWe help you secure dedicated or shared codes and configure them with telcos.
- Secure authenticationPIN protection, OTPs and session control for data safety.
- Usage analyticsReal-time insight into user behaviour and service performance.