M-Pesa, Stripe, Paystack
& Every Gateway In Between.
Get IntegratedPayment Integration Experts: M-Pesa, Paystack, Stripe, DPO & More
At Bunisystems, we build payment infrastructure for the full spectrum of how modern businesses collect money. Our roots are in mobile money, we are a premier Safaricom Daraja API developer, engineering high-throughput M-Pesa STK Push, C2B, and B2C automations that handle reconciliation, instant payouts, and real-time service delivery without any manual intervention. We also integrate Airtel Money and T-Kash for businesses that need complete mobile wallet coverage across Kenya.
For businesses serving regional and international customers, we implement Paystack, Stripe, DPO Group, Flutterwave, Pesapal, and iPay. Whether you need to accept Visa, Mastercard, and Amex through a PCI-compliant checkout, or collect payments from customers across East and West Africa through a single API, we architect the integration from end to end, including webhook listeners, retry logic, and fraud controls.
Every payment gateway has its quirks, rate limits, callback formats, settlement windows, and reconciliation edge cases. Our engineers have built production integrations across all the major providers operating in Africa, which means we know exactly where things break and how to prevent it. We handle the complexity so your team does not have to debug payment callbacks at 2am.
We also build custom middleware that syncs all transaction streams, M-Pesa, card, and bank, directly into your existing ERP or accounting software, giving you a single real-time view of your cash flow. If you are ready to offer your customers every payment option they expect, our Nairobi-based team is ready to architect the solution.
Payment Integration — Common Questions
Does Stripe support M-Pesa?
No. Stripe does not offer M-Pesa as a payment method, and Stripe does not onboard businesses registered in Kenya directly. To accept M-Pesa you need either a direct Safaricom Daraja API integration or a gateway that supports mobile money — Paystack, DPO Group, Flutterwave, or Pesapal. The common setup for Kenyan businesses with international customers is Stripe for USD card payments plus Daraja or Paystack for M-Pesa. Bunisystems builds a single checkout that routes each payment to the right gateway and reconciles both into one ledger.
Which payment provider supports M-Pesa for merchants in Africa?
For Kenyan merchants, M-Pesa is available directly through Safaricom's Daraja API or through gateways that bundle it with card payments: Paystack, DPO Group, Flutterwave, and Pesapal. Paystack is the usual choice for e-commerce and SaaS, DPO for travel and larger merchants, Flutterwave if you sell across several African countries, and Pesapal for schools, events, and institutions. All of them settle in KES to a Kenyan bank account. Stripe does not support M-Pesa.
How do I integrate payments into a mobile app in Kenya?
For Android apps, M-Pesa STK Push is the standard: the app calls your backend, your backend triggers a Daraja STK Push, and the customer confirms with their M-Pesa PIN without leaving the app. Card payments come from the Paystack or Flutterwave mobile SDKs, or a hosted checkout page opened in a web view. Payment confirmation must arrive via a server-side webhook, never from the app itself, or you will ship a payment system that can be spoofed. Bunisystems builds both the app integration and the backend that verifies and records every transaction.
What is the easiest way to add payments to an e-commerce website in Kenya?
If you run WooCommerce or Shopify, install the official Paystack, Pesapal, or DPO plugin and you get M-Pesa and cards at checkout in an afternoon. For a custom-built store, use a gateway's hosted checkout page first, then move to an API integration once you need a branded flow, saved customers, or automatic reconciliation. The trade-off is control: plugins and hosted pages are fast to launch, while a direct Daraja or Paystack API integration gives you lower fees and full ownership of the payment data.
What kind of customer support do payment gateway providers offer in Kenya?
Safaricom's Daraja API offers a developer portal, sandbox, and email support, but no SLA for small merchants. Paystack and Flutterwave provide email and chat support with documented SDKs. DPO and Pesapal offer phone and account-manager support for larger merchants. None of them will debug your integration for you. That is where Bunisystems comes in: we handle the integration, monitor webhooks and failed transactions, and act as your first line of support so your team talks to one party, not four.
What features should I look for in a payment processing service for my startup in Kenya?
For a Kenyan startup, M-Pesa integration via the Daraja API is essential — over 80% of digital transactions in Kenya run through mobile money. Beyond M-Pesa, look for: multi-currency support (KES, USD, EUR), card payment acceptance via Paystack or Stripe, USSD fallback for low-connectivity customers, automated reconciliation, and a provider experienced with CBK compliance. Also verify settlement timelines — Kenyan gateways typically settle in T+1 to T+3 business days.
How does M-Pesa Daraja API integration work for a business?
The M-Pesa Daraja API lets your business send and receive money programmatically. STK Push sends a payment prompt directly to your customer's phone — they confirm with their PIN and funds transfer instantly. For disbursements, B2C lets you send salaries, refunds, or commissions directly to M-Pesa wallets. Integration requires a Safaricom Business Shortcode and approved Daraja credentials. Bunisystems handles the full integration including webhook listeners, retry logic, and automatic reconciliation.
Which payment gateways work best for pan-African e-commerce?
For pan-African coverage, Paystack covers Nigeria, Ghana, Kenya, and South Africa with strong card and mobile money support. DPO Group and Flutterwave are strong across East and West Africa. Stripe covers international card payments and is ideal if you serve USD-paying customers. Many Kenyan businesses run Paystack for local collections and Stripe for international — Bunisystems can architect a unified checkout that routes payments to the right gateway automatically.
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