How UnifiedPay Works

Sign Up & Link Payment Method

Create an account, then link your Paybill, Till Number, or Bank / SACCO account from the dashboard. Each account gets its own API credentials and becomes active once its KES 300 subscription (per 30 days) is paid via M-Pesa.

Integrate the API Endpoints

Use our three simple REST endpoints to manage payments. No complex Daraja setup – we handle the heavy lifting.

Here's a minimal PHP example to initiate a payment:

<?php
$url = 'https://unifiedpay.co.ke/auth/cred/YOUR_KEY/YOUR_SECRET/sendstk';
$data = ['amount' => 100, 'msisdn' => '254712345678', 'reference' => 'Order #123'];

$ch = curl_init($url);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($ch, CURLOPT_HTTPHEADER, ['Content-Type: application/json']);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$response = curl_exec($ch);
curl_close($ch);

echo $response;
?>

Receive Payment & Confirm

The customer receives an STK push on their phone. Once they enter their PIN, the payment is processed. You can query the status using the transaction ID returned in step 2.