VePay — M-Pesa & eTIMS API
M-Pesa for builders, with KRA compliance baked in.
Payments & compliance API for Kenyan businesses.
Reused across 10+ client integrations
One API for M-Pesa STK Push, C2B, paybill management, and KRA eTIMS invoice generation — so you can stop juggling Daraja docs, certificate files, and tax portals every time you ship.
Why we're building it
Every Kenyan SaaS we've shipped reimplements the same M-Pesa boilerplate: OAuth tokens, STK callbacks, paybill registration, certificate-encrypted security credentials. Every business with a turnover above the threshold then bolts on eTIMS separately. VePay packages all of that into one API with a multi-tenant Daraja credential vault, settlement-aware accounting, and an admin console that operators understand.
What it does
M-Pesa STK Push
Clean prompts, typed errors, real-time status polling — no more callback debugging marathons
C2B validation & confirmation
Webhook-based, IP-allowlisted, with payload archival for audit and replay
Dual paybill model
Bring your own Daraja credentials, or use a virtual account on our shared paybill
Encrypted credential vault
Per-business consumer keys, secrets, and passkeys encrypted at rest — never leaks across tenants
eTIMS invoice generation
Tax-compliant receipts with KRA QR codes; OSCU/VSCU modes when you're ready
Webhook notifications
Your downstream systems get real-time payment events — STK, C2B, settlement, refund
Settlement-aware accounting
48-hour pending hold matches real M-Pesa float cycles; available vs pending balances split out
Operator dashboard
Daily/weekly/monthly totals, per-tenant transaction history, withdrawal approval queue
Withdrawal approval workflow
Manual hold + admin approval pattern with audit trail — prevents accidental payouts
Highlights
Who it's for
Any Kenyan product that takes payments and reports tax.
Marketplaces & E-commerce
- Multi-vendor split payments
- Per-vendor paybill
- eTIMS-compliant receipts
Subscription apps
- STK auto-renewal
- Failed-payment retry
- Monthly invoicing
Tickets & Bookings
- Instant STK checkout
- Bulk reconciliation
- Refund workflow
Pricing
Per-transaction or monthly subscription
Need this deployed for you?
Every product on this page can be customised, white-labelled, or integrated into your existing stack. Tell us what you need.