Ship M-Pesa payments without the headaches

Stop chasing failed STKs, manual reconciliations, and delayed callbacks. SWIFT-WALLET routes, tracks, and reconciles every payment end-to-end—so you can focus on your product.

99.9% Uptime
500+ Businesses
24/7 Support
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M-Pesa Payment Platform

Services that solve real problems

From instant STK to automated invoicing, pick the building blocks you need—and we handle routing, settlement, and status updates behind the scenes.

Lipa Link

Create smart payment links with STK Push and real-time webhooks for any use case.

  • Instant STK push
  • Status callbacks
  • Auto-reconciliation
Explore Lipa
Fundraisers

Launch donation pages with automatic receipts and transparent tracking.

  • Goal tracking
  • Receipts & reports
  • Instant confirmations
Explore Fundraisers
Invoicing

Send invoices that trigger STK Push and reconcile automatically when paid.

  • Branded invoices
  • Payment reminders
  • Exportable reports
Explore Invoicing
Subscriptions

Automate recurring billing with smart retries and lifecycle events.

  • Renewals & proration
  • Webhooks & events
  • Flexible plans
Explore Subscriptions

Why Choose SWIFT-WALLET?

The most comprehensive M-Pesa payment processing platform designed specifically for Kenyan businesses.

Native M-Pesa Integration

Direct integration with Safaricom's M-Pesa API with STK Push functionality. Process payments instantly without redirects or third-party interference.

  • STK Push automation
  • Real-time status updates
  • Transaction validation

Developer-First API

RESTful API with comprehensive documentation, SDKs, and sandbox environment. Built by developers, for developers with enterprise-grade features.

  • Comprehensive documentation
  • Sandbox testing environment
  • Webhook callbacks

Smart Payment Routing

Advanced routing system supporting multiple payment channels. Route payments to Paybills, Till Numbers, or Bank accounts automatically.

  • Multi-channel routing
  • Automatic fee management
  • Settlement flexibility

Flexible Payment Channels

Choose the payment channel that best fits your business model. All channels are managed through a single API.

Paybill Integration

Route payments to your existing business Paybill number with specific account numbers for easy reconciliation.

Perfect For:
  • • Established businesses with existing Paybills
  • • Service providers requiring account references
  • • Businesses needing detailed transaction tracking

Till Number

Direct payments to your business Till Number for immediate settlement and simplified payment flow.

Perfect For:
  • • Retail businesses and merchants
  • • Quick service establishments
  • • Businesses preferring instant settlements

Bank Settlement

Route payments through bank Paybills for direct settlement to your business bank account.

Perfect For:
  • • Businesses preferring bank settlements
  • • Companies with strict financial controls
  • • Organizations requiring bank integration

Built for Every Business

From startups to enterprises, SWIFT-WALLET powers payment processing across diverse industries in Kenya.

E-commerce

Integrate seamless M-Pesa checkout for online stores, marketplaces, and digital products.

Education

School fees, course payments, and educational services with automated receipting.

Healthcare

Medical bills, insurance payments, and telemedicine consultations made simple.

Logistics

Delivery payments, shipping fees, and logistics services with real-time tracking.

Food & Beverage

Restaurant orders, food delivery, and catering services with instant payment confirmation.

Real Estate

Property bookings, rent payments, and real estate transactions with secure processing.

Entertainment

Event tickets, gaming credits, and entertainment services with instant activation.

SaaS Platforms

Subscription billing, software licenses, and service fees with automated renewals.

5K+
Active Businesses
KES 2B+
Processed Monthly
99.9%
Success Rate
24/7
Expert Support

Enterprise-Grade API

Built for developers, designed for scale. Our RESTful API provides everything you need to integrate M-Pesa payments seamlessly.

Lightning Fast Integration

Get started in minutes with our comprehensive documentation and sandbox environment.

Enterprise Security

Bank-level security with API key authentication, request validation, and comprehensive logging.

Real-time Webhooks

Instant payment status updates via webhooks to keep your systems synchronized.

Detailed Analytics

Comprehensive transaction reporting and analytics to help you understand your payment patterns.

View Documentation Get API Keys 
// Initialize Payment
curl -X POST https://swiftwallet.stkpush.co.ke/api/stk-push \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1500,
    "phone_number": "0798765432",
    "external_reference": "ORDER-12345",
    "customer_name": "Jane Doe",
    "callback_url": "https://yoursite.com/webhook"
  }'

// Response
{
  "success": true,
  "status": "INITIATED",
  "message": "STK Push sent successfully",
  "reference": "ORDER-12345",
  "transaction_id": 12847,
  "checkout_request_id": "ws_CO_14012024103543427709099876"
}

Ready to Transform Your Payment Experience?

Join thousands of Kenyan businesses that trust SWIFT-WALLET for their M-Pesa payment processing needs.

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