Fast, secure and scalable payment infrastructure
Build modern financial experiences with secure payments, wallet systems, automated reconciliation, and real-time analytics.
Join 4,000+ companies already growing
8
Payment methods
T+2
Auto Settlement
1,200+
Merchants Active
~84ms
API Response
Complete payments operating system — not just a payment gateway. Every module is built to work together.
Payment
Processing
Initialize, route, and confirm payments across all 8 methods. Real-time fraud detection on every transaction.
Split Payments &
Sub accounts
Automatically split every payment between your main account and any number of subaccounts. Perfect for marketplaces, franchises, and multi-vendor platforms. Configure splits by percentage or flat fee — with the option to override per transaction.
Payment
Pages & QR
No-code branded checkout pages at custom URLs. Auto-generate QR codes for in-store use. Accept PayBill and Till payments.
Invoicing
Create, send, and track invoices with auto-generated payment links. PDF export, automatic reminders, and real-time paid status.
Transfers &
Payouts
Send money to verified bank accounts — single or bulk CSV. Account verified via Resolve API before every transfer.
Automatic
Settlements
Funds collected today hit your bank account in 2 business days — automatically. Multi-currency support, configurable settlement accounts, and low-balance alerts keep you in control. Every settlement fires a webhook and an email.
Platform Features
Every Way Your
Customers Pay
From M-Pesa STK push to Apple Pay — PesaFlow routes every payment through the optimal provider with built-in fraud detection on every transaction.
Mobile payment
STK push — the most used payment method in Kenya. Works on any phone.
Card Payments
Visa and Mastercard — credit and debit, local and international.
USSD
Feature phone payments — no internet or smartphone needed. Maximum reach.
Bank Transfer
Direct bank-to-bank transfers for high-value B2B transactions.
Direct Debit
Pull payments from authorised bank accounts — ideal for recurring billing.
QR / PayBill
Scan to pay in-store, or accept payments via M-Pesa PayBill and Till numbers.
Integrations
Connect to Everything
You Already Use
From M-Pesa STK push to Apple Pay — PesaFlow routes every payment through the optimal provider with built-in fraud detection on every transaction.
WooCommerce
Install the plugin, enter your API keys, and start accepting M-Pesa + cards on your WordPress store in minutes.
Shopify
Install the plugin, enter your API keys, and start accepting M-Pesa + cards on your WordPress store in minutes.
REST API
Install the plugin, enter your API keys, and start accepting M-Pesa + cards on your WordPress store in minutes.
Postman
Install the plugin, enter your API keys, and start accepting M-Pesa + cards on your WordPress store in minutes.
Connect to Everything
You Already Use
From M-Pesa STK push to Apple Pay — PesaFlow routes every payment through the optimal provider with built-in fraud detection on every transaction.
Manage products
Manage products, services, and payments from a single platform.
Streamline operations, automate workflows, and gain real-time visibility into every transaction and product lifecycle.
Reports
Access detailed reports across products, payments, and customer activity. Export, analyze, and share insights with confidence.
Manage Customers
Gain a 360-degree view of your customers with powerful management tools and real-time insights. Deliver better experiences while growing customer engagement.
Customer Stories
Trusted by Businesses
Across the World
Built for businesses that want to scale faster and operate smarter. See what users are saying about their experience with Pesaflow.
Pesaflow completely changed how we handle payments and reporting. Everything is now centralized, fast, and easy to track in real time.”
Olivia Rhye
— Operations Manager, FinTech Company
Customer management and transaction reporting have never been this simple. We finally have full visibility across all our services.
Olivia Rhye
— Finance Director, Enterprise Client
The platform is incredibly reliable. We’ve reduced reconciliation errors and improved how quickly we process payments and refunds.
Olivia Rhye
— Product Lead, Digital Services Platform
Pesaflow gives us the tools we needed to scale. From customer management to analytics, everything just works seamlessly.”
Mwiti Andrew
— Founder, SaaS Startup