Automatic
The processor integration raises the payment request in the buyer's app or wallet; the order confirms itself on the callback.
Accept M-Pesa from the wallet East Africa already uses. Automatic STK push with self-confirming orders, or the manual Paybill rail.
Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.
The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.
Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.
From signup to settled order.
Sign up at U.CASH Pay and create a checkout that offers M-Pesa alongside cards and crypto.
Automatic: connect the Daraja credentials for STK push. Manual: publish the Paybill or Till number buyers should pay.
Automatic: the buyer's phone shows the payment prompt and one PIN confirms it. Manual: the buyer sends to your Paybill with the invoice's payment reference as the account number.
Automatic orders complete on callback. Manual orders: match the reference in Payments and mark paid.
U.CASH charges nothing on the manual M-Pesa rail. The automatic STK-push flow prices per transaction and is shown before you confirm. Safaricom's own wallet fees apply to the sender.
M-Pesa settles in the window its banking system keeps, and the two flow modes change what you wait on rather than the rail itself. Automatic flows raise the request in the buyer's app and confirm on the callback, so the order closes itself once the rail reports. Manual flows publish your coordinates, the buyer sends direct, and the unique payment reference per order closes the loop when you match it. Same rail, same settlement finality, different operational weight. Most merchants run both and let the buyer's habit decide, because the automatic flow earns its integration effort back exactly where buyers already live in the app.
The currencies M-Pesa settles, KES, also exist on-chain where peg families trade: settle the same corridor as a token, non-custodial, final on confirmation, at network fees instead of rail fees. Buyers choose their rail; your ledger sees the same currency either way. The operational difference worth planning around is reversal: the crypto leg settles finally with no dispute window, which suits invoices and known customers, while the traditional rails keep the protections and processes their buyers expect.
The processor integration raises the payment request in the buyer's app or wallet; the order confirms itself on the callback.
Publish your m-pesa paybill or till; buyers send direct and you match the payment reference. No credentials, no processor account.
Brazil. Automatic and manual flows.
India. Automatic and manual flows.
Singapore. Manual rail.
Offer it beside cards, crypto, and every other rail on one non-custodial checkout.