Real-Time Payment Intelligence

Clarity in a Complex Payment Economy

Your source for in-depth payment solutions and actionable insights on M-Pesa, Cards, and the African fintech future. Critical analytics, transaction monitoring, and revenue optimization.

4.9/5 - from 12K reviews

Real stories from businesses growing with us

Transaction Volume

+24.5%
KES 2.4B

Total processed this month

Live Activity

M-Pesa
KES 12,500
Card
KES 8,300
Bank
KES 45,200
99.8%

Success Rate

2.4s

Avg Response

89%
Happy Merchants
12K+
Active Users
KES 2.4B+
Transaction Flow
8+
Countries Covered

Trusted payment methods supported

Powerful Features

Everything You Need to Scale

Enterprise-grade payment infrastructure built for African businesses

Multi-Channel Payments

15+ channels

Accept M-Pesa, Airtel Money, Cards, Bank transfers, and more. One unified API for all payment methods.

Instant Settlement

< 2s average

Get paid in real-time with automated settlements. Money hits your account within seconds.

Advanced Security

PCI-DSS L1

PCI-DSS Level 1 certified with end-to-end encryption, tokenization, and AI-powered fraud detection on every transaction.

Real-time Analytics

Live updates

Comprehensive dashboards with live transaction monitoring, revenue insights, and customer analytics.

Developer Friendly

< 30min setup

RESTful APIs, SDKs in multiple languages, webhooks, and extensive documentation to integrate in minutes.

Pan-African Coverage

8 countries

Process payments across Kenya, Uganda, Tanzania, Rwanda, Ghana, Nigeria, and expanding.

Integrate in Minutes, Not Weeks

Our developer-first approach means you can start accepting payments with just a few lines of code. Full documentation, SDKs, and 24/7 support included.

Complete REST API with webhooks
SDKs for JavaScript, Python, PHP, Ruby
Real-time transaction monitoring
Sandbox environment for testing
const pesaflow = require('pesaflow');

pesaflow.init({
  apiKey: 'your_api_key',
  environment: 'production'
});

// Accept M-Pesa payment
const payment = await pesaflow
  .mpesa.initiatePayment({
    amount: 1000,
    phone: '+254712345678',
    reference: 'INV-001'
  });

console.log(payment.status);
// "success"
Industry Solutions

Built for African Businesses

Tailored payment solutions for every industry

E-commerce

Accept online payments seamlessly with our checkout API and plugins for all major platforms.

  • Shopify, WooCommerce plugins
  • Custom checkout pages
  • Subscription billing

Marketplace

Split payments, manage vendors, and automate payouts for your marketplace platform.

  • Multi-vendor support
  • Automated splits
  • Escrow payments

SaaS & Subscriptions

Recurring billing made simple with automatic retries and smart dunning management.

  • Flexible billing cycles
  • Proration handling
  • Failed payment recovery

Retail & POS

Accept in-person payments with our POS solutions and mobile payment terminals.

  • QR code payments
  • Mobile POS
  • Inventory sync

Non-Profit

Accept donations with customized payment forms and automated receipt generation.

  • Donor management
  • Campaign tracking
  • Tax receipts

Enterprise

Custom payment infrastructure with dedicated support and SLA guarantees.

  • Dedicated account manager
  • 99.99% uptime SLA
  • Custom integration
Simple Pricing

Pay Only for What You Use

Transparent pricing with no hidden fees. Start free, scale as you grow.

Starter

Freefor 30 days

Perfect for testing and small businesses

  • Up to 100 transactions/month
  • M-Pesa & Card payments
  • Basic analytics
  • Email support
  • Sandbox access
Start Free
Most Popular

Growth

1.5%per transaction

For growing businesses with volume

  • Unlimited transactions
  • All payment channels
  • Advanced analytics & reports
  • Priority support
  • Webhooks & API access
  • Custom checkout
Get Started

Enterprise

Customvolume-based

For large-scale operations

  • Custom transaction rates
  • Dedicated account manager
  • 99.99% uptime SLA
  • 24/7 phone support
  • Custom integrations
  • On-premise option
Contact Sales
Developer Resources

Built by Developers, for Developers

Everything you need to integrate Pesaflow in minutes

API Documentation

Comprehensive guides and references to help you integrate quickly and efficiently.

RESTful API with JSON responses
Webhooks for real-time events
Test mode with sandbox environment
Detailed error codes and handling

SDKs & Libraries

Official SDKs for your favorite languages and frameworks.

JavaScript
Python
PHP
Ruby
Java
Go
React
Vue
Browse SDKs

Quick Start Example

// Install the SDK
npm install @pesaflow/node

// Initialize
const Pesaflow = require('@pesaflow/node');
const pesaflow = new Pesaflow('YOUR_API_KEY');

// Create a payment
const payment = await pesaflow.payments.create({
  amount: 1000,
  currency: 'KES',
  payment_method: 'mpesa',
  phone_number: '+254712345678',
  callback_url: 'https://yoursite.com/callback'
});

console.log(payment.status); // "pending"
console.log(payment.checkout_url); // Send to customer

Security Built Into Every Layer

Every transaction is protected end-to-end. We're PCI-DSS Level 1 compliant, independently audited, and built on infrastructure trusted by financial institutions across Africa.

PCI-DSS Compliant

Highest level of payment security certification

End-to-End Encryption

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

24/7 Monitoring

Real-time fraud detection and prevention

About Pesaflow

Powering the Future of African Payments

Pesaflow was founded with a mission to simplify payments across Africa. We believe every business deserves access to world-class payment infrastructure, regardless of size or location.

Our team of engineers, fintech experts, and business leaders is building the payment rails that power Africa's digital economy. From Nairobi to Lagos, we're helping businesses accept payments seamlessly.

2021
Founded
8
Countries
50+
Team Members

Pan-African

Present across 8 African countries and growing

Trusted

PCI-DSS Level 1 certified and independently audited

Fast

Sub-second payment processing times

Supportive

24/7 dedicated merchant support team

Ready to Transform Your Payments?

Join 12,000+ businesses processing KES 2.4B+ monthly with Pesaflow

No credit card required • Free for 30 days • Cancel anytime

hello@pesaflow.ai
+254 700 000 000
Nairobi, Kenya