APIs
M-Pesa Daraja (Safaricom) vs PawaPay
A verified, side-by-side comparison. Both records are status-checked by Findra, so you are comparing what each actually offers today, not a stale listing.
Category
APIs
APIs
Type
Mobile Money
Mobile Money
Country
🇰🇪 Kenya
🌍 Pan-African
Docs status
Docs live
Docs live
Licensing
Approval required
Approval required
Pricing
Not listed
https://pawapay.io/fees
Verified
Verified
Verified
Last verified
24 Jun 2026
24 Jun 2026
Tags
payments, mpesa, mobile-money, kenya, stk-push
payments, pan-african, aggregator, payouts, mobile-money
Summary
Safaricom's official Daraja 3.0 developer portal exposing the M-Pesa APIs (STK Push/Lipa Na M-Pesa, C2B, B2C, B2B, transaction status, account balance) for Kenya, the largest mobile-money network in Africa. Requires a registered developer account with sandbox testing before live credentials.
Mobile money aggregator offering a single REST API and dashboard to collect deposits, send payouts and process refunds across ~20 African countries, covering roughly 85% of mobile money on the continent. Asynchronous financial APIs with sandbox and live environments plus a Postman collection.