Prime Pay
Secure M-Pesa payment tools
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Kenya · M-Pesa STK

Send the prompt.
Keep the payment.

Prime Pay sends the STK prompt from your application. Your customer pays your PayBill or Till, while your Service Wallet covers only the Prime Pay fee.

Create a merchant account Sign in API docs

Two balances, never mixed.
Customer funds stay on your channel. The Service Wallet is only for Prime Pay fees.

Money flow

Know where every shilling goes.

Prime Pay separates the customer payment from the service fee by design.

Purpose Customer payment Service Wallet
What it covers Order or invoice amount Prime Pay STK fee
Where it lands Your PayBill or Till Your Prime Pay wallet
Who controls it Your business Fee balance
Merchant setup

From account to first prompt.

Read the API docs
  1. 01

    Register

    Create a Prime Pay merchant account.

  2. 02

    Channel

    Save the PayBill, Till, or bank destination.

  3. 03

    Wallet

    Top up the Service Wallet for STK fees.

  4. 04

    API

    Push STK from your app with an API key.