Payments infrastructure for Africa’s internet economy
One API to accept M-Pesa, mobile money, cards, bank transfers and stablecoins — and pay out instantly. Smart routing across multiple rails keeps your checkout up when a network isn’t.
- countries
- 6
- countries
- payment methods
- 5
- payment methods
- settlement
- T+1
- settlement
- Created
- Prompt sent
- Confirmed
- 200payment.succeeded182ms
- 200balance.available141ms
- 200payout.paid207ms
Every way Africa pays — one integration
- M-PesaKenya
- MTN MoMoUganda
- Airtel MoneyUganda · Tanzania
- Vodacom M-PesaTanzania
- Tigo PesaTanzania
- HalotelTanzania
- Visa · MastercardKES · NGN · USD · GHS · ZAR
- Bank transferNigeria
- USDT · USDCStablecoins
One integration, every rail.
Imaripay connects to multiple upstream payment rails in every market. Each request is scored on live health, success rate and cost — and if a rail degrades, traffic fails over automatically. Your customers never notice.
- Automatic failover across multiple upstream rails
- Idempotent requests — safe to retry, never double-charge
- One payment object, whatever the method or country
- Reconciliation that catches confirmations hours late
- 1.Your appOne POST /payments request
- 2.Smart routerScores rails on health, cost and success
- 3.Primary railPayment goes out on the best rail
- 4.Automatic failoverStandby rail takes over if needed
Everything you need to move money, beautifully.
From your first payment link to millions of API calls — the same platform, the same ledger, the same dashboard.
Hosted checkout
A conversion-tuned, mobile-first checkout that speaks M-Pesa, mobile money, cards and crypto. Redirect or embed — no PCI scope.
Payment links
Create a link in the dashboard and share it over WhatsApp, SMS or email. Get paid without writing a single line of code.
Instant payouts
Send money to M-Pesa, mobile money wallets and bank accounts in seconds, one at a time or in bulk, with optional approvals.
Ledger & balances
Every cent is recorded in a double-entry ledger. See pending and available balances per currency, in real time.
Signed webhooks
Events are signed with HMAC-SHA256 in the Imaripay-Signature header and retried with backoff for up to ~45 hours.
Self-healing reconciliation
We continuously re-check pending transactions with upstream rails, so a late confirmation is never missed or double-credited.
Team & security
Invite your team with granular roles, enforce two-factor authentication and review every sensitive action in the audit log.
Test mode
A full sandbox with magic phone numbers and cards to simulate success, insufficient funds, cancellations and timeouts.
An API you’ll enjoy integrating.
Predictable REST resources, JSON everywhere, idempotency keys on every write and consistent error codes. Go from sandbox to your first live payment in an afternoon.
# Charge a customer via M-Pesa STK push
curl https://imaripay.com/api/v1/payments \
-H "Authorization: Bearer sk_test_••••••••" \
-H "Idempotency-Key: order_8841" \
-d amount=245000 \
-d currency=KES \
-d method=mpesa \
-d phone=254712345678 \
-d reference=order_8841{
"id": "pay_0m4x9kq2b7tz1a",
"object": "payment",
"status": "pending",
"amount": 245000,
"currency": "KES",
"method": "mpesa",
"next_action": { "type": "stk_push" },
"fee": 3675,
"livemode": false
}Built for the way Africa pays.
Collect locally in six markets and settle to the accounts you already use. More rails are added continuously — without you changing a line of code.
Built for ambitious businesses in
Trust is the product.
Imaripay operates with licensed partner institutions and is pursuing direct authorisation with the Central Bank of Kenya. Security and compliance are designed in, not bolted on.
PCI-DSS via certified partners
Card data is captured and vaulted by PCI-DSS Level 1 certified processors. It never touches your servers — or ours.
Encryption everywhere
TLS 1.2+ in transit, encryption at rest, and secret keys stored only as one-way hashes.
2FA & roles
Time-based one-time passwords for every user and least-privilege roles for your team.
Audit logs
An immutable trail of logins, key rotations, payouts, refunds and settings changes.
AML / KYC
Risk-based onboarding, sanctions screening and transaction monitoring aligned with Kenyan AML/CFT law.
Fraud controls
Velocity limits, per-method transaction limits and payout approvals keep bad actors out.
Simple, transparent pricing.
Pay only for successful transactions. No setup fees, no monthly fees, no surprises.
Start accepting payments today.
Create an account in minutes and build against the sandbox right away. Go live once your business is verified.