M-Pesa Matrix
Integration.
Full Safaricom Daraja API integration — STK Push, C2B, B2C, real-time reconciliation, and automated receipts. Your business collects and disburses money without friction, errors, or manual work.
Every manual M-Pesa transaction is costing you money and time.
Manual M-Pesa handling creates errors, delays, and revenue leakage. If you're still manually confirming payments, running reconciliation spreadsheets, or chasing payment confirmations — this is costing your business significantly.
Everything you need, nothing you don't.
One fixed quote. One deployment. Every feature below is included — no upsells, no hidden extras, no surprises on delivery.
STK Push Integration
Customers receive an instant M-Pesa payment prompt on their phone — no manual paybill numbers, no human errors, no delays.
C2B Auto-Confirmation
Customer-initiated payments automatically confirmed, matched to orders, and trigger the next step in your workflow instantly.
Automated Receipts
Every successful payment triggers an automatic WhatsApp receipt and email confirmation to the customer — no manual sending.
Multi-Paybill Management
Manage multiple paybill numbers, till numbers, and business accounts from a single unified dashboard.
Real-Time Dashboard
Every transaction, payment status, and reconciliation update visible in real time from any device.
B2C Disbursements
Automated payroll, supplier payments, refunds, and agent commissions sent directly from your system to any M-Pesa number.
Financial Reports
Daily, weekly, and monthly financial summaries generated automatically and sent to your team — no manual report building.
ERP & Accounting Sync
Every M-Pesa transaction automatically posted to your accounting software — QuickBooks, Xero, or custom systems.
Numbers that prove it works.
Start your deployment →Average time from STK Push initiation to confirmed payment status.
Of transactions automatically matched and recorded. Zero manual reconciliation.
Lost to manual M-Pesa reconciliation errors after system deployment.
M-Pesa, Stripe, Pesapal, and Flutterwave unified in one integration.
We were manually reconciling M-Pesa every evening — it took 3 hours and we still made mistakes that cost us money. JustWeb's integration does everything automatically and we haven't had a single reconciliation error in 8 months. We've recovered the cost of the system many times over.
From brief to live in 14 days.
A clear, documented process with fixed timelines. You always know exactly where your deployment stands.
API Access & Credentials
We handle Safaricom Daraja API onboarding, business KYC validation, and credential setup — including a fully configured sandbox testing environment.
Integration Architecture
We map every payment flow your business has: collections, disbursements, reconciliation rules, and exception handling.
System Connections
We connect M-Pesa to your ERP, CRM, accounting software, and WhatsApp — so every payment triggers the right next step automatically.
Live Deployment & Monitoring
Full go-live with real-time transaction monitoring, failure alerts, and a reconciliation dashboard accessible from any device.
Every deployment includes full team training, documentation, and 30 days of post-launch support — at no additional cost.
Start the process↗What our clients say.
Real results from real Kenyan businesses. No invented quotes, no stock testimonials.
Our M-Pesa reconciliation was a 3-hour daily process that cost us in errors and staff time. JustWeb automated everything. Now our finance team gets a clean reconciliation report every morning — automatically. No errors in 8 months.
The STK Push integration alone transformed our checkout experience. Customers can pay in 5 seconds from their phone. Our payment completion rate went from 67% to 94%.
We were paying our 40 field agents manually by M-Pesa every Friday — it took half a day. Now it's automated and runs in 3 minutes. The system pays itself back every single week.
JustWeb OS vs. the alternative.
| What matters | JustWeb OS | Typical Agency / DIY |
|---|---|---|
| Safaricom Daraja API integration | Official, fully certified | Often unofficial third-party tools |
| Real-time reconciliation | 100% automated, zero manual work | Manual spreadsheet process |
| STK Push implementation | Full implementation included | Usually requires separate developer |
| B2C disbursements (payroll/refunds) | Automated bulk disbursements | Manual per-transaction sending |
| ERP and accounting system sync | Real-time sync included | Manual data entry required |
| Error rate after deployment | 0% (verified by clients) | Average 2–5% manual error rate |
No surprises. Fixed quotes.
We quote fixed prices before any work starts. What we quote is what you pay. No scope creep charges, no surprise invoices.
- Full Safaricom Daraja API integration and certification
- STK Push, C2B, and B2C implementation
- Real-time reconciliation dashboard setup
- Accounting/ERP system connection (QuickBooks, Xero, or custom)
- Automated WhatsApp receipt system
- Multi-paybill configuration (up to 3 paybills)
- Finance team training and full documentation
- Multi-site or multi-department deployment
- Dedicated account engineer
- Priority SLA with <1hr response time
- Custom integrations and API development
- Quarterly system audits and updates
- White-label options available
NO LOCK-IN · NO HIDDEN FEES · YOU OWN EVERYTHING WE BUILD
Every question answered.
Still have questions? Chat with us on WhatsApp — we respond in under 2 hours during business hours.
Ask us anything↗
Ready to
initialize?
Your deployment starts the moment you message us. 14 days to live. Fixed price. Everything included. No surprises.