Course Content
Building Your First Mpesa Integration
This topic focuses on guiding you through the process of building a functional Mpesa integration from scratch. You will learn how to set up a backend for handling API requests, generate secure access tokens for authentication, and implement an STK Push transaction to facilitate payments. By the end of this topic, you will have a working example of Mpesa integration.
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Backend Setup with PHP/Node.js/Other Frameworks
Generating Access Tokens
06:32
Implementing an STK Push Transaction
12:18
C2B and B2C Integrations
In this topic, learners will explore the core concepts of integrating Mpesa's Customer-to-Business (C2B) and Business-to-Customer (B2C) payment functionalities. The lessons will cover configuring C2B payments to enable customers to pay businesses and using B2C for disbursing funds to customers. Additionally, the topic will explain how to implement real-time transaction status updates to ensure seamless payment tracking and reconciliation.
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Configuring C2B (Customer to Business) Payments
Using B2C (Business to Customer) for Disbursements
Real-Time Transaction Status Updates
Testing and Debugging
This topic focuses on ensuring the reliability and correctness of Mpesa integrations by testing in the sandbox environment, debugging using logs and tools like Postman, and eventually transitioning to the production environment. By the end of this topic, learners will be equipped with practical knowledge of testing and debugging their integration effectively.
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Testing Transactions in the Sandbox Environment
Using Logs and Postman for Debugging
Moving to Production
00:00
Security and Best Practices
This topic covers the critical aspects of securing your Mpesa integration by properly managing API keys and tokens, handling errors in a way that improves the user experience, and complying with Mpesa’s integration guidelines. Following these practices ensures that your integration is secure, reliable, and in line with best practices, minimizing the risk of fraud and ensuring smooth operations.
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Securing Your API Keys and Tokens
Handling Errors Gracefully
Complying with Mpesa Integration Guidelines
Real-World Application
This topic explores how Mpesa can be seamlessly integrated into real-world applications, particularly e-commerce platforms. It covers integrating payment systems, customizing user experiences to enhance payment flows, and using analytics for business insights. By the end of this topic, learners will understand how to leverage Mpesa for creating smoother and more efficient payment processes, as well as tracking transactions for actionable insights.
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Integrating Mpesa into an E-Commerce Platform
Customizing User Experiences with Mpesa Payments
Analytics and Reporting
Build a Payment Gateway with Mpesa
In this project, learners will apply the skills acquired throughout the course to build a functional payment gateway integrated with Mpesa. The project will walk through the entire process, from backend setup and API integration to handling transactions and user feedback. By the end of this topic, learners will have developed a working payment gateway and be ready to present their projects for review and feedback.
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Step-by-Step Implementation of a Working Payment Gateway
Presenting Your Project for Feedback
Final Project Submission
Introduction to Mpesa Integration
Gain an understanding of Mpesa’s role in facilitating mobile payments. Learn about its features, real-world applications, and benefits in businesses. This module covers the prerequisites for starting your Mpesa integration journey.
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Overview of Mpesa services and APIs
11:02
Requirements for Mpesa Integration
00:45
Setting Up The Environment
In this topic, you learned how to set up the environment for Mpesa integration. This includes registering on the Mpesa Daraja Portal, acquiring API credentials, and using tools like Postman and Ngrok for development and testing. You also set up a local server, configured callback URLs, and simulated transactions in the sandbox environment. Finally, you prepared for production by understanding the approval process and transitioning to live operations. These steps form the foundation for successfully integrating Mpesa APIs into your application.
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Tools and platforms needed (Postman, Ngrok, etc.)
Registering for Mpesa Daraja API
Overview of sandbox and production environments
Tools, Registration, and Environments Quiz
Understanding Mpesa APIs
This topic provides an overview of the various Mpesa APIs available for integration. You will learn about the key API services that facilitate mobile money transactions, such as the STK Push, C2B, B2C, and Account Balance APIs. Understanding how each API works will help you design robust and efficient payment systems, and ensure seamless transactions between businesses and customers.
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Mpesa API documentation walkthrough
Authentication: Consumer Key and Secret
Key API Endpoints: STK Push, C2B, B2C, Balance Inquiry
Mpesa Integration – Daraja API :Crash Course
Applying the skills acquired throughout the course, the video below will guide you to build a functional payment gateway integrated with Mpesa. The project will walk through the entire process, from backend setup and API integration to handling transactions and user feedback. By the end of this topic, you will have developed a working payment gateway and be ready to present your projects for review and feedback.
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Using Node.Js
Using PHP
M-Pesa Integration MasterClass
About Lesson

What is Mpesa?

Mpesa (short for “Mobile Money”) is a mobile-based financial service that allows users to send, receive, and store money digitally. Operated by Safaricom in Kenya, Mpesa revolutionized the payment ecosystem, enabling seamless transactions without needing a bank account.

Key Mpesa Services

  1. Money Transfer

    • Peer-to-peer transfers (sending and receiving money).
    • Cross-border money transfers.

  2. Bill Payments

    • Pay utility bills (electricity, water, etc.) and subscription services.

  3. Merchant Payments

    • Lipa na Mpesa: A service that allows payments to merchants directly.

  4. Savings and Loans

    • M-Shwari and KCB Mpesa enable savings and access to micro-loans.

  5. Disbursement Services

    • Enables businesses to send money to individuals (B2C payments).

  6. Payment Gateway Integration

    • Allows websites and apps to collect payments via Mpesa APIs.

What are Mpesa APIs?

Mpesa APIs, offered through the Daraja API Portal, allow developers to integrate Mpesa services into applications or websites. These APIs facilitate automated payment processing and tracking.

Key API Features

  1. STK Push API

    • Used for initiating payment requests to a customer’s phone.
    • Example: Paying for an online purchase.

  2. C2B (Customer to Business) API

    • Enables customers to make payments to businesses.
    • Example: Paying bills using a Paybill or Till number.

  3. B2C (Business to Customer) API

    • Allows businesses to disburse money to customers.
    • Example: Sending winnings or refunds.

  4. Transaction Status API

    • Provides the status of a specific transaction.
    • Example: Checking if a payment was successful.

  5. Reversal API

    • Enables reversal of erroneous transactions.
    • Example: Refunding a wrong payment.

  6. Account Balance API

    • Fetches the balance of an Mpesa account (Paybill or Till).

  7. Simulate Transaction API

    • Simulates Mpesa payments in a sandbox environment for testing purposes.

Why Use Mpesa APIs?

  • Automation: Eliminates manual payment processing.
  • Real-Time Processing: Instant transaction handling.
  • Security: Uses encrypted channels and secure authentication.
  • Scalability: Supports multiple transactions simultaneously.
  • User Reach: Leverages Mpesa’s large user base in Africa.

Real-World Use Cases

  1. E-commerce Stores:

    • Accepting Mpesa payments for online orders.

  2. Utility Companies:

    • Collecting bill payments from customers.

  3. NGOs:

    • Disbursing funds to beneficiaries.

  4. Microfinance Institutions:

    • Loan disbursements and repayments.
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