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.