Mpesa

Flutterwave allows merchants to use two payment methods in Kenya (card and Mpesa).

Let us show you how to accept payments using MPesa.

Pre-requisites for accepting payments in Kenya.

1. Sign-up for an account here .

2. Set up a webhook to get notified on payments, to see more on webhooks visit our Webhook section.

3. When trying to accept payment on a website you can use our Flutterwave inline method and pass currency as KES and country as KE, once you do this, the payment options for card and MPesa will be enabled.

4. If you would prefer to accept payments using our APIs please see how to accept mobile money payments via APIs.

5. After getting a response for the transaction, call the Verify transaction endpoint to confirm the final status of the transaction.

Step 1 - Initiate payment

Send your payload to our charge endpoint: hhttps://api.flutterwave.com/v3/charges?type=mpesa
Method: POST

JSON

{
  "tx_ref": "MC-15852113s09v5050e8",
  "amount": "1500",
  "currency": "KES",
  "email": "[email protected]",
  "phone_number": "054709929220",
  "fullname": "Ekene Eze"
}

Parameter Definition

Parameter	Required	Description
tx_ref	True	This is a transaction reference you supply to identify different transactions on your account. It is important to ensure that you pass unique references for every transaction.
amount	True	This is the amount to be charged. It is passed in KES - ('amount':'100').
currency	True	This is the specified currency to charge in. (expected value: KES)
email	True	This is the email address of the customer.
phone_number	True	This is the phone number linked to the customer's mobile money account.
client_ip	False	Internet Protocol. This represents the current IP address of the customer carrying out the transaction.
device_fingerprint	False	This is the fingerprint for the device being used. It can be generated using a library on whatever platform is being used.
meta	False	This is an object you can use to include any additional payment information you would like to associate with this charge
fullname	False	Should include the first and last name of the customer

Payment Response

When you send your payload to our charge endpoint to make a payment, you'll get a successful response if it all goes well.

JSON

{
        "status": "success",
        "message": "Charge initiated",
        "data": {
            "id": 1191376,
            "tx_ref": "MC-15852113s09v5050e8",
            "flw_ref": "2899902722",
            "device_fingerprint": "62wd23423rq324323qew1",
            "amount": 1500,
            "charged_amount": 1500,
            "app_fee": 21,
            "merchant_fee": 0,
            "processor_response": "Successful",
            "auth_model": "LIPA_MPESA",
            "currency": "KES",
            "ip": "154.123.220.1",
            "narration": "FLW-PBF MPESA Transaction ",
            "status": "success-pending-validation",
            "auth_url": "N/A",
            "payment_type": "mpesa",
            "fraud_status": "ok",
            "charge_type": "normal",
            "created_at": "2020-03-27T15:46:37.000Z",
            "account_id": 74843,
            "customer": {
                "id": 349271,
                "phone_number": "25454709929220",
                "name": "John Madakin",
                "email": "[email protected]",
                "created_at": "2020-03-27T15:46:13.000Z"
            }
        }
    }

Verify payment

After charging a customer successfully, you need to verify that the payment was successful with Flutterwave before giving value to your customer on your website.

Visit our Transaction verification section to learn more about transaction verifications and how to implement it in different languages.