Secure & Compliant Available Worldwide

Accept & Send
Payments Across Africa

M-Pesa, cards, PayPal and crypto - one API, one dashboard. Choose Direct Pay for non-custodial STK to your own shortcode, or Smart Gateway for the full custodial stack.

Start Accepting Payments → View API Docs

Direct Pay

Non-Custodial STK

Money goes straight to your bank account, paybill or till. 0.5% fee. No float delays.

Smart Gateway

Full Custodial Gateway

Cards, crypto, PayPal & M-Pesa. Full ledger, webhooks, bulk payouts.

EVERYTHING YOU NEED

Built for serious businesses

From solo operators to SaaS platforms - one integration handles collections, disbursements, invoicing and more.

Direct Pay (Non-Custodial)

STK fires directly to your own paybill or till. Money hits your M-Pesa account instantly. Bitnova charges 0.5% per successful request.

Card Payments

Visa and Mastercard via PayPal hosted checkout. Customers pay securely on PayPal's page and are returned to your site automatically.

Crypto via NOWPayments

Bitcoin, ETH, USDT and 300+ coins via NOWPayments. KES equivalent credited to your wallet on settlement.

Payment Links & QR

Generate shareable links in seconds. Attach to Direct Pay or Smart Gateway. Encode as QR codes for physical locations.

Bulk Disbursements

Pay salaries or commissions to hundreds via CSV upload. Supports M-Pesa, bank, and PayPal payouts.

Webhooks & API

HMAC-SHA256 signed events on every payment. REST API with sandbox mode, per-key scopes, and full docs.

Invoicing

Professional invoices with line items, due dates and a direct payment link. Auto-marked paid on confirmation.

Multi-user Business

Add team members with roles. Each business gets its own API keys, webhooks and branded checkout pages.

Security First

CSRF protection, rate-limited APIs, signature verification, KYC support, session-scoped revocable keys.

// Direct Pay - non-custodial STK to your channel
POST /api/v1/stk-push
{
  "channel_id": 3,
  "amount":     2500,
  "phone":      "0712345678"
}

// Response
{
  "status":    "pending",
  "reference": "MDA-XXXXXXXXXX",
  "message":   "STK sent. Check your phone."
}

FOR DEVELOPERS

Build any payment flow

REST API, signed webhooks, WordPress plugin, and Shopify app - ship payment features fast.

REST API

Full API for both Direct Pay and Smart Gateway with HMAC-signed webhooks.

WooCommerce Plugin

Install, enter your API key, and accept M-Pesa at WooCommerce checkout in 10 minutes.

Shopify App

Native checkout UI extensions. One-click install, auto order sync, no code needed.

Read the API Docs →

PRICING

Honest, transparent pricing

Direct Pay charges 0.5% per transaction. Smart Gateway charges a 1% platform fee + gateway costs - scaled by plan.

Starter

KES 0

/mo · free forever

Direct Pay: 0.5% per transaction

Smart Gateway: 1% + gateway

100 API req/day

Start Free

Accept & Send Payments Across Africa