CarlPay

Kenya-first payment infrastructure for the digital economy.

One API to collect M-Pesa, post a double-entry ledger, and prove where every shilling went.

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Kenya-firstM-Pesa STKsandbox
pi_3Lth8G2eZvKYlo2C
Amount
KES 2,450.00
Succeeded
STK Push Initiated14:02:41 EAT
tel: +254712345678
Callback Received14:03:15 EAT
M-Pesa receipt QWE123RTY confirmed.
Ledger Balanced14:03:16 EAT
Merchant Wallet+ KES 2,410.80
Fee Wallet+ KES 39.20

Three ways to collect M-Pesa

One Payment Order API. Choose the route that matches your M-Pesa setup.

Wallet Collect

No shortcode. Funds on CarlPay 4138969. KES 3 per success. Balance visible in dashboard; withdrawals not in v1.

Go live guide

Dedicated BYOK

Your Daraja keys. Funds settle to your shortcode. KES 500/mo Platform.

Crosscharge

Till or PayBill destination. Funds settle on your number. KES 500/mo Platform.

Collect

M-Pesa STK Push and C2B at scale. Optimized for high concurrency and robust failure handling.

Ledger

Immutable double-entry records for every move. Separate merchant principal from infrastructural fees natively.

Proved

Signed webhooks and audit-ready payment orders ensure absolute certainty across your microservices.