payment-gateways.com
Africa โ€ข ISO Code: KE

๐Ÿ‡ฐ๐Ÿ‡ชPayment Gateway Integration Developers in Kenya

Kenya is the global pioneer of mobile money. Over 80% of retail transactions occur via M-Pesa. Lipa Na M-Pesa Online STK Push is the essential integration required for any Kenyan store or mobile application.

Currency: KES (Kenyan Shilling)Domestic Rails: M-Pesa (Safaricom Daraja API), Airtel Money, Pesalink
Kenya Developer Online

Integrating in Kenya?

Got API documentation from your domestic commercial bank? Chat directly with our payment developers on live support.

Or Request Fixed-Price Scope Proposal โ†“
1
Zero Pre-Made CodeWe build custom plugins & modules from raw bank documentation.
2
Sandbox Sign-Off in UATFull testing of 3DS OTP, authorization, capture, and webhooks.
3
Client Live VerificationYou test live payment on your side; once cleared, project complete!
Domestic Payment Rails

Essential National Payment Rails & Local Habits in Kenya

In Kenya, consumer checkout behavior is heavily anchored by domestic clearing networks. Depending strictly on global card schemes often results in cart abandonment and lower conversion rates. We develop seamless checkouts for:

M-Pesa (Safaricom Daraja API)
Native clearing integration
Airtel Money
Native clearing integration
Pesalink
Native clearing integration
Direct Bank Gateways

Commercial Acquiring Banks in Kenya

If your business holds an acquiring merchant facility with any commercial bank in Kenya, we ingest their technical API specifications (Mastercard MPGS, CyberSource, direct SOAP/REST, or ISO 8583) and develop a custom plugin directly into your store:

Equity Bank KenyaMerchant Acquirer
KCB Bank KenyaMerchant Acquirer
Co-operative Bank of KenyaMerchant Acquirer
Standard Chartered KenyaMerchant Acquirer
Headline Specialty in Kenya

Custom WordPress & WooCommerce Payment Plugins from Scratch

Did your commercial bank in Kenya hand you credentials and an API integration PDF, but no WordPress plugin exists? We build an unencrypted, standalone WooCommerce plugin conforming strictly to WordPress Coding Standards, with full WooCommerce Checkout Blocks support, 3D Secure 2.2 verification, and automated status handling.

Zero recurring licensing fees
100% Unencrypted source code ownership
Standalone plugin ready for WP Admin upload
Client live payment verification on your side
View WordPress Plugin Specs
Developer Stacks

Supported Code-Accessible Platforms in Kenya

We exclusively build for platforms where full source code modification and custom server logic are permitted:

WordPress / WooCommerce

Custom `WC_Payment_Gateway` plugin, Checkout Blocks, admin settings.

Custom Next.js & React

Server Actions, hosted session tokenization iframes, edge webhooks.

Laravel (PHP Backend)

Dedicated Service Providers, queued webhook jobs, database idempotency.

Mobile Apps (Flutter & React Native)

Native bridge channels, 3DS2 webviews, UPI / wallet intent deep-links.

Central Bank & Security Standards

Compliance & PCI-DSS SAQ-A Architecture in Kenya

Regulatory Compliance Notes for Kenya:

Regulated by the Central Bank of Kenya (CBK). Direct integration requires registered Business Shortcodes (Paybill or Till Number).

Zero PCI Scope: We architect all card capture using bank-approved Hosted Fields, Microform iframes, or Secure Acceptance redirects. Your server never touches raw card data.
Strict 3D Secure 2.2: Frictionless biometric & OTP challenges are validated according to domestic acquiring mandates.
Frequently Asked Questions

Questions About Payment Gateway Integrations in Kenya

Can you build a custom plugin for our domestic commercial bank in Kenya?

Yes. This is our primary service. If your acquiring bank in Kenya provides an API document (such as Mastercard MPGS, CyberSource, or an in-house REST API) and no plugin exists, our developers build an unencrypted, certified plugin tailored to your store.

How does testing and live payment verification work?

We set up and verify all edge cases in your bankโ€™s sandbox/UAT test environment. Once released to staging or production, your authorized team executes a real live test payment on your side. Once the live payment settles into your merchant bank account, the project is signed off and delivered.

Who owns the source code once the integration is complete?

You receive 100% full source code ownership. We provide clean, unencrypted code without any monthly licensing fees, obfuscation, or external dependencies.

Kenya Project Scope

Have an acquiring bank documentation PDF or credentials ready for Kenya? Submit your requirements below or chat live with a senior payment developer.

Average Delivery: 3 to 5 business days
Sandbox UAT Testing & Sign-off
Client live connection verification
100% Unencrypted Source Code
Request Proposal & Scope

Gateways Commonly Integrated in Kenya

Safaricom M-Pesa DarajaEquity Bank (Jenga API)PesapalDPO PayFlutterwave KenyaPaystack Kenya
Direct Inquiry Submission

Request Custom Integration Scope for Kenya

Submit your bank API specifications and platform requirements. Our senior developers will review feasibility and provide a milestone proposal.

Free Architectural Review

Request Custom Integration Scope

Gateway
Platform
Readiness
Contact

Select your provider or enter your acquiring bank providing your commercial merchant facility.

Direct Integration Support for 150+ Global Gateways & Bank Engines
CyberSourceVisa
by Visa
MastercardMPGS
Gateway MPGS
StripeStripe
Payments API
MollieiDEAL
Europe Rails
AdyenDirect
Unified Commerce
HyperPaymada
Saudi mada SAMA
PayTabsGCC
MENA / GCC
FawryMeeza
Egypt Meeza
RazorpayUPI
India UPI Stack
PaystackAfrica
by Stripe (Africa)
M-PesaSTK
Safaricom Daraja
Mercado PagoPIX
Latin America PIX
Mashreq BankBank
UAE IPG Portal
RedsysBizum
Spain Santander/BBVA
BarclaycardUK
Smartpay UK
ComBank IPGIPG
Commercial Bank LK
CyberSourceVisa
by Visa
MastercardMPGS
Gateway MPGS
StripeStripe
Payments API
MollieiDEAL
Europe Rails
AdyenDirect
Unified Commerce
HyperPaymada
Saudi mada SAMA
PayTabsGCC
MENA / GCC
FawryMeeza
Egypt Meeza
RazorpayUPI
India UPI Stack
PaystackAfrica
by Stripe (Africa)
M-PesaSTK
Safaricom Daraja
Mercado PagoPIX
Latin America PIX
Mashreq BankBank
UAE IPG Portal
RedsysBizum
Spain Santander/BBVA
BarclaycardUK
Smartpay UK
ComBank IPGIPG
Commercial Bank LK