Daraja 2.0 • REST • SOAP • GraphQL

We Connect
Your Systems.

Stop using manual file uploads. We build secure API Middleware to link your ERP, Website, or App directly to M-Pesa, Banks, CRB, and SMS Gateways.

99.9%
Uptime
SSL/TLS
Encrypted Data
Real-Time
Webhooks
Logs
Audit Trail
💳

M-Pesa (Daraja) Experts

We don't just "plug in" M-Pesa. We handle the edge cases: timeouts, insufficient funds, and callbacks.

📲

C2B (STK Push)

Trigger a popup on the customer's phone. "Enter PIN to pay KES 500". Instant confirmation.

💸

B2C (Disbursements)

Automate salary payouts, loan disbursements, or betting winnings directly to M-Pesa numbers.

🔄

Reversal Handling

Automatically flag or reverse transactions in your system if M-Pesa sends a reversal notification.

POST /mpesa/stk_push
const response = await daraja.stkPush{
  phoneNumber: "254712345678",
  amount: 1000,
  accountReference: "ORDER-921",
  callbackUrl: "https://api.talkintech.com/v1/ipn"
};

// Response from Safaricom
if (response.ResponseCode === "0") {
  console.log("Prompt sent to user phone!");
  // Start polling for payment status...
}
              
🏢
Your ERP
ISO 8583 / REST
🏦
Co-op Bank
> Initiating Bulk Transfer...
> Validating Accounts... OK
> Checksum Verified... OK
> Transaction Complete. Ref: FT290129

Banking & CRB Integrations

Direct Host-to-Host (H2H) connections or API Banking.

🏦

Corporate Banking API

Integrate with Co-op, Equity, KCB, or StanChart. Automate vendor payments directly from your SAP/ERP system.

📋

CRB Checking (Metropol/TransUnion)

Automatically check a borrower's credit score before approving a loan in your app. List defaulters automatically.

🆔

KYC & Identity

Verify National ID numbers and names (where authorized) to prevent fraud during onboarding.

Communications & Maps

Essential utilities for modern apps.

📨

Bulk SMS / USSD

Integrations with Africa's Talking, Infobip, or PRSP. Send OTPs, Alerts, and Marketing blasts. Build USSD menus (*123#).

📍

Google Maps / Mapbox

Distance Matrix API for delivery fees. Geocoding for address lookup. Live tracking paths.

📧

Transactional Email

Send PDF invoices and password resets via SendGrid, Mailgun, or Amazon SES with high deliverability.

Security First Architecture

When handling money and data, security is not optional.

✓
OAuth2 Authentication

Secure token-based access for all API endpoints.

✓
Data Encryption

AES-256 encryption for data at rest and TLS 1.3 for data in transit.

✓
Rate Limiting

Prevent DDoS attacks by throttling API requests per IP.

✓
IP Whitelisting

Restrict API access to specific server IP addresses.

Need a Custom Integration?

If it has an API documentation, we can connect to it.