Do I need my own M-Pesa API keys?

Yes. CiraIQ uses your own Daraja keys, so payments go straight to your Paybill or Till. Sandbox keys work for testing.

Can it send an STK push?

Yes. The M-Pesa step sends a payment prompt to the customer's phone for the amount you set and waits for them to pay.

Can I pay many people at once?

Yes. The M-Pesa Payout step sends money from your B2C account, with per-payout and per-run limits.

Can it reverse a wrong payment?

The M-Pesa Transaction step can check a payment by its receipt number and reverse a payment you received. Reversals are guarded and limited.

All integrations

M-Pesa integration without writing code

Use your own Daraja keys to put M-Pesa inside your workflows. Start a workflow the moment a customer pays your Paybill or Till, send an M-Pesa payment prompt (STK push) and wait for the result, pay people from your B2C account, and check or reverse a transaction by its receipt number.

Each step connects to the rest of your tools, so a payment can send a receipt by SMS, mark an invoice paid in a sheet or an order paid in WooCommerce, and tell you on WhatsApp. Payouts and reversals carry limits and ship as dry runs, so nothing moves money until you switch them on.

See 6 M-Pesa templates

What you can automate with M-Pesa

Triggers: Start a workflow when

M-Pesa Payment Received
Starts the workflow when a customer pays your Paybill or Till, or answers a payment prompt.

Actions: Do this in a workflow

M-Pesa
Send an M-Pesa payment prompt (STK push) to a customer's phone and wait for them to pay, using your own Daraja app. Money goes straight to your Paybill or Till.
- Request payment
- Check status
M-Pesa Payout
Send money from your M-Pesa B2C account to phones - refunds, salaries, commissions - with per-payout, per-run and daily limits and "pay each reference once" protection.
M-Pesa Transaction
Check an M-Pesa transaction's status by receipt number, or reverse a payment you received (guarded).
- Status
- Reverse

Ready-made M-Pesa templates

BusinessInvoice Reminder Email with an M-Pesa Payment PromptEvery weekday morning it reads who owes you from a Google Sheet, emails each person a friendly reminder, and sends an M-Pesa payment prompt to their phone. Pay, and their row is marked Paid and you get a WhatsApp with the receipt number; ignore it, and you get a WhatsApp telling you who to follow up. No code steps.

BusinessWooCommerce M-Pesa Store on AutopilotYour whole order process, hands-free. A customer orders on your WooCommerce store and their phone gets an M-Pesa prompt for the exact total. Once they pay, the order is marked paid with the M-Pesa receipt, they get a PDF receipt by SMS, they go into HubSpot with a won deal, and the sale lands in your Airtable sales log. Then every customer gets the right thank-you: big orders get a personal note written by AI and you get a VIP alert, returning customers get a welcome-back SMS with a discount code, and first-timers get you a WhatsApp ping. If they do not pay, they are texted a card payment link and the order is flagged for follow-up. 23 steps, zero manual work.

BusinessM-Pesa Bulk Payment Every Friday from AirtableEvery Friday it pays everyone marked Approved in your Airtable payouts table - riders, suppliers, agents, commissions - straight to M-Pesa, writes Paid and the M-Pesa receipt back on each row, and sends you a summary. Each row can only ever be paid once, and daily and per-person limits stop mistakes.

BusinessM-Pesa Receipt by SMS for Every PaymentEvery payment to your Paybill or Till gets a branded PDF receipt, sent to the customer by SMS within seconds, and a row in your Airtable payments log. No more "please send me a receipt" calls, and month-end reconciliation is a filter, not a phone scroll.

BusinessM-Pesa for WooCommerce: STK Push on Every OrderWhen a customer places an unpaid order on your WooCommerce store, their phone gets an M-Pesa payment prompt for the exact total. Pay, and the order moves to Processing with the M-Pesa receipt on it and you get a WhatsApp. Ignore it, and the order gets a note so you know to follow up.

BusinessM-Pesa Reversal Check for Wrong PaymentsA customer says they paid the wrong amount or paid twice. Send their M-Pesa receipt from your support form, and the workflow checks the transaction with Safaricom. If it is genuine and the amount matches, it reverses the payment (within your limits) and texts the customer; if not, it tells you why so you can reply. It ships as a dry run, so nothing is reversed until you switch that off.

Connect M-Pesa with

Questions

Do I need my own M-Pesa API keys?: Yes. CiraIQ uses your own Daraja keys, so payments go straight to your Paybill or Till. Sandbox keys work for testing.
Can it send an STK push?: Yes. The M-Pesa step sends a payment prompt to the customer's phone for the amount you set and waits for them to pay.
Can I pay many people at once?: Yes. The M-Pesa Payout step sends money from your B2C account, with per-payout and per-run limits.
Can it reverse a wrong payment?: The M-Pesa Transaction step can check a payment by its receipt number and reverse a payment you received. Reversals are guarded and limited.

Automate M-Pesa today

Start free with 3 workflows. No card needed. Install a template or build your own on the canvas.