// rail · m-pesa · kenya

The M-Pesa payout API

The short answer

Eversend's API pays out to any M-Pesa wallet in Kenya. One POST to /v1/payouts, funded from your balance or USDC. Median delivery over the last 90 days of production transfers is 1.6 minutes, and 94% land within 5 minutes. Sandbox keys in minutes, no sales call required.

Get API keys Read the docs

99.8% uptime · public status page · sandbox keys in minutes

payout · m-pesa200 OK

POST /v1/payouts

  "rail": "mpesa",

  "amount": 25000, "currency": "KES",

  "recipient": { "phone": "+2547..." }

→ delivered in 1m 34s

{ "id": "pyt_2ma8", "status": "delivered" }

1.6 min

Median delivery · 94% within 5 min

median · last 90 days · production transfers

99.8%

API uptime

trailing 12 months · status.eversend.co

KES

Any M-Pesa wallet in Kenya

coverage · from delivery data

~2 min

To sandbox keys

self-serve · no sales call

// what this rail is

Kenya's default way to get paid.

M-Pesa is Safaricom's mobile money network. Most adults in Kenya hold a wallet, and for many recipients it is the only account they use. If you pay people in Kenya, this is the rail that reaches them.

Eversend runs this rail in production. The numbers on this page are measured from live transfers, not quoted from a partner's brochure.

Destination🇰🇪 Kenya · KES

Recipient identifierphone number (MSISDN)

Fundingwallet balance · USDC · FX from 15 currencies

Name checkwallet name returned before you commit

Status eventswebhooks · created → processing → delivered

// the integration

One endpoint. The rail is a string.

Every rail on the network shares the same payout call. Integrate once, then adding MTN MoMo or Nigerian bank transfer is a parameter change, not a new project.

request

$ curl https://api.eversend.co/v1/payouts \

    -H "Authorization: Bearer sk_live_..." \

    -d rail=mpesa \

    -d amount=25000 -d currency=KES \

    -d recipient.phone=+254712345678

response200 OK

{ "id": "pyt_2ma8k1", "rail": "mpesa",

  "status": "processing",

  "recipient_name": "J. WANJIKU",

  "expected_delivery": "~1.6 min" }

// fees

The fee is on the quote, not in the fine print.

Every payout returns its exact fee at quote time. The rows here render from the same fee source of truth the API bills from. If it changes there, it changes here.

M-Pesa payout · KESKSh 70flat, per payout

Funding · USDCnetwork fee onlyUSDC converts to KES at the quoted rate

rendered from the fee source of truth · never retyped · the rate holds until the quote expires

Get sandbox keys

Self-serve, in minutes. Real API, test money.

Send a test payout

Hit the sandbox M-Pesa wallet, watch the webhooks.

Go live

Compliance review, then production keys.

Get API keys

Keep reading

coveragePayout API for Kenyaall rails · KES railMTN Mobile Money APIuganda · ghana · +more use caseFor remittance companiesfund every corridor guideSend to M-Pesa programmaticallycode-first · 5 min