How UnifiedPay Works

Sign Up & Link Payment Method

Create a free account – no activation required. Then log in to your dashboard and link your Paybill, Till Number, or Bank Account. The system instantly generates your unique API credentials.

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.