Platform Features

Two Modes.
Every Payment Covered.

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

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Side by Side

Direct Pay vs Smart Gateway

Feature Direct Pay Smart Gateway
M-Pesa STK Push Direct to admin-defined channel To platform wallet (credited after fee)
Card Payments (Visa/MC) — ✓ Via PayPal hosted checkout
PayPal — ✓ PayPal Orders API
Crypto (300+ coins) — ✓ Via NOWPayments
Bitnova holds your funds ✗ Never — direct to shortcode ✓ Wallet ledger, withdraw anytime
Fee model Dynamic flat fee per STK (admin-set) % per transaction (plan-based)
Payment Links ✓ ✓
Invoicing ✓ ✓
Wallet-to-Wallet Transfers — ✓ Free & instant
M-Pesa B2C Payouts — ✓ Auto-processed on withdrawal
M-Pesa B2B Disbursements — ✓ Paybill, Till, Bank
Bulk Disbursements (CSV) — ✓
Webhooks ✓ payment events ✓ All events
REST API ✓ ✓
Business multi-user ✓ ✓
WooCommerce / Shopify plugins ✓ ✓
Sandbox / Test mode ✓ Daraja sandbox ✓ All gateways sandboxed
Direct Pay · Non-Custodial
Customer taps pay link
↓
Bitnova triggers STK push
↓
Money → channel shortcode
↓
Flat fee deducted from service wallet

Direct Pay

Your money. Your shortcode.

Admin configures platform-wide channels (paybills, tills, banks). Customers select a channel and enter their account reference. The STK push fires directly to the shortcode — Bitnova orchestrates without ever holding the funds.

Bank channels
Equity, KCB, DTB and any bank via their M-Pesa paybill shortcode
Till numbers
Buy Goods STK — direct to your till account
Zero float delays
Settlement instant to the shortcode — no Bitnova holding period
Admin-controlled fee
Flat or % fee — configured in Admin → Settings
View Channels →

Smart Gateway

Every payment method. One wallet.

M-Pesa

STK push to platform shortcode. Net amount credited to your wallet after fee.

Cards (Visa/MC)

PayPal hosted checkout — Visa and Mastercard supported. Customer redirected to PayPal and returned after payment.

PayPal

PayPal Orders API — customer redirected, confirms, payment auto-completed.

Crypto (300+ coins)

BTC, ETH, USDT and 300+ coins via NOWPayments. KES equivalent credited on confirmation.

Disbursements

Wallet-to-wallet, M-Pesa B2C to any phone, or B2B to paybill/till/bank.

Invoicing

Line items, due dates, payment link attached. Auto-marked paid on settlement.

Ready to pick your mode?

Start with Direct Pay if you need non-custodial STK. Add Smart Gateway for cards, crypto and automated payouts.

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