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Payments, without the complexity

Make every payment work for your business.

M-Pesa, Airtel Money, banks and cards, connected to your own applications. We build the integrations, confirmations and reconciliation that make every transaction count.

Discuss your integration See how it works
  • Your own payment accounts
  • Verified confirmations
  • Built for real operations

A sample checkout

Kweepa / Payment experience

Illustrative demo · Sample data

Amount to collect

KES5,000

No account, credentials or real money required

Ready for a paymentAwaiting confirmationPayment confirmed

An STK push would be sent to the customer.The customer would authorise the payment in Airtel Money.A secure card checkout would collect the payment.The bank transfer reference would be verified. Checking the M-Pesa response. KES 5,000 matched to sample invoice INV-10482.

  1. Request
  2. Confirmation
  3. Matched record

Illustrative payment workflow, not a live transactionSample receipt · TEST-10482 · No money was charged

Built around your existing systemOrders · Invoices · Accounts · Ledgers

Designed for the whole transaction

  • Collection & checkout
  • Refunds & payouts
  • Provider reconciliation
  • Audit-ready records

Follow the money

One payment. Every step accounted for.

A payment shouldn’t end with a success screen. Explore what needs to happen behind the scenes, from the first request to your accounting records.

01Request02Confirm03Match04Report

01 / Request received

Your customer chooses how to pay.

A checkout or back-office action starts a payment request, tied to the correct order, invoice or account.

POST /payments
{
  "amount": 5000,
  "currency": "KES",
  "channel": "mpesa",
  "reference": "INV-10482"
}

Example workflow · not a production API specification

02 / Provider confirmation

Confirmation is checked, not assumed.

The provider response is verified and the transaction state is updated safely, even when callbacks are delayed or repeated.

EVENT /payments/confirmed
{
  "reference": "INV-10482",
  "provider_status": "SUCCESS",
  "verified": true
}

Example workflow · not a production API specification

03 / Record matched

A payment finds its proper home.

The confirmed amount is matched to the correct order, loan, invoice or account and exceptions are set aside for review.

MATCH /reconciliation
{
  "reference": "INV-10482",
  "order": "ORD-2910",
  "match": "exact",
  "exception": null
}

Example workflow · not a production API specification

04 / Financial visibility

Your team sees the full picture.

Collections, refunds, payouts and unsettled items remain traceable in reporting and your existing financial software.

REPORT /daily-summary
{
  "channel": "mpesa",
  "matched": 128,
  "exceptions": 2,
  "review_required": true
}

Example workflow · not a production API specification

The work behind every payment

Not just connected. Properly accounted for.

We handle the difficult parts between a successful payment and an accurate business record, so your team can spend less time investigating exceptions.

Talk about your payment workflow
  1. 01

    Accept

    Let your customers use familiar payment methods in your own app.

  2. 02

    Verify

    Check confirmations against the provider before fulfilling an order.

  3. 03

    Reconcile

    Match settlements to transactions and expose discrepancies clearly.

  4. 04

    Control

    Keep payout approvals, permissions and audit records in your workflow.

What we engineer

Everything works together. Nothing bolted on.

Choose only what your operation needs, or let us connect the full payments journey.

01 Collections & checkout

M-Pesa STK push, paybill and till collections; Airtel Money, card payment gateways and banking connections. Payments are tied to the right customer and business record.

02 Payouts, transfers & refunds

Controlled disbursements and refunds with approval workflows, limits and payment-status tracking. Exact capabilities depend on each provider, account and market.

03 Reconciliation & exceptions

Bring provider transaction records and internal orders together, identify missing or unmatched entries, and give operations teams a clear queue to resolve exceptions.

04 Security, controls & audit

Protect provider credentials, verify callback authenticity, apply idempotency where needed, restrict sensitive operations by role and keep traceable transaction events.

05 Reporting & financial systems

Collections, payouts, fees and exceptions by business unit, channel or date, with exports and connections to your accounting, lending, ERP or order-management systems.

06 Existing system integration

Connect to your existing software using REST APIs, event streams or structured file exchange when necessary. We assess what the current system supports before proposing the safest approach.

Your ecosystem, connected

Bring your tools. We make them work together.

Provider access and geographic availability depend on the service and account setup.

  • M-Pesa Daraja
  • Airtel Money
  • Bank & Pesalink APIs
  • Card gateways
  • ERP & accounting
  • Custom APIs
  • SMS & notifications

Good questions

Clarity before you commit.

Payments are business-critical. Here’s what organisations usually want to know before integration starts.

Ask us something else
Does the money go through Kweepa?

For our payment integration service, funds go through your own configured provider, paybill, till or bank arrangements. Kweepa builds and maintains the connection; it does not act as the holder of your funds.

Can you integrate an existing application?

Usually. We review your APIs, data model and deployment setup first, then propose a suitable connection. Where a system lacks an API, a staged integration or import workflow may be possible.

What if a payment confirmation is delayed?

We design for delayed, duplicated or missing callbacks through verification, retries where supported, idempotent handling and reconciliation against provider records.

Can this support businesses outside Kenya?

Yes, we work with clients internationally. Payment methods and provider access are market-specific, so we choose integrations based on the countries and financial providers you operate with.

How do you price payment integrations?

Based on the number of channels, existing software complexity, operational workflows, security controls, and ongoing support needs. We scope the work first and provide a proposal.

Let’s simplify your payment operations

Your systems. Your customers. Payments that just work.

Tell us what you’re connecting, and we’ll propose a practical approach.

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