Kenya (M-Pesa)

The primary mobile money network in Kenya. Supports collections and disbursements.

CollectionsDisbursements

Collecting money

Initialize collection

Call the collections initialize endpoint with the customer’s phone number and amount.

Customer confirms

The customer receives an M-Pesa prompt on their phone to enter their PIN and approve the transaction.

Receive webhook

MarzPay sends a webhook to your callback URL with the transaction status.

Example: Initialize a Kenyan collection

Tab Title
Tab Title

curl -X POST https://api.wearemarz.com/v1/collections/initialize \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "KES",
    "phone": "+254700123456",
    "network": "MPESA",
    "callback_url": "https://your-app.com/webhooks/collections"
  }'

{
  "status": "success",
  "data": {
    "reference": "MZ_COL_20240115_abc123",
    "amount": 5000,
    "currency": "KES",
    "phone": "+254700123456",
    "network": "MPESA",
    "status": "pending",
    "checkout_url": "https://wallet.wearemarz.com/checkout/MZ_COL_20240115_abc123"
  }
}

Sending money (disbursements)

curl -X POST https://api.wearemarz.com/v1/disbursements/send \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "KES",
    "phone": "+254700123456",
    "network": "MPESA",
    "reference": "INV-2024-001",
    "callback_url": "https://your-app.com/webhooks/disbursements"
  }'

Transaction type	Fee	Minimum	Maximum
Collection	1.2%	10 KES	100 KES
Disbursement	0.8%	5 KES	50 KES

Transaction type

Fee

Minimum

Maximum

Collection

1.2%

10 KES

100 KES

Disbursement

0.8%

5 KES

50 KES

Markets

East Africa

Central Africa

Southern Africa

West Africa

Supported networks

M-Pesa

Collecting money

Example: Initialize a Kenyan collection

Sending money (disbursements)

Fees

Phone number format

​Supported networks

M-Pesa

​Collecting money

​Example: Initialize a Kenyan collection

​Sending money (disbursements)

​Fees

​Phone number format

Supported networks

Collecting money

Example: Initialize a Kenyan collection

Sending money (disbursements)

Fees

Phone number format