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Pricing — SmartPay | M-Pesa API & Digital Payments for Africa
no hidden fees transparent pricing

Simple pricing for
Africa’s leading payment API

Pay only for what you use. No setup fees, no annual contracts — just honest, usage-based pricing.

Developer-first plans

Scale your payments,
not your costs

Choose a plan that matches your transaction volume. Upgrade or downgrade anytime.

Starter
KES 400
free · no commitment
  • ✅ 1000 API calls/month
  • ✅ STK Push + C2B + B2C
  • ✅ Advanced fraud detection
  • ✅ Priority callbacks (SLAs)
  • ✅ SMS notifications
Start Free →
⭐ Most Popular
Professional
KES 800
per month · pay as you grow
  • ✅ 10,000 API calls/month
  • ✅ STK Push + C2B + B2C
  • ✅ Advanced fraud detection
  • ✅ Priority callbacks (SLAs)
  • ✅ SMS notifications
  • ✅ We integrate your system 🎯
Get Professional →
Enterprise
KES Custom
volume-based · unlimited
  • ✅ Unlimited API calls
  • ✅ Dedicated account manager
  • ✅ 99.99% uptime SLA
  • ✅ Custom rate limiting
  • ✅ White-label options
  • ✅ 24/7 phone support
Contact Sales →
For individuals

Send, receive & save
with SmartPay wallet

No monthly fees — just a small transaction fee when you move money.

🔥 0 monthly fees
SmartPay Personal
KES 0
free forever
  • ✅ Send & receive M-Pesa
  • ✅ Virtual account number
  • ✅ Instant bank transfers
  • ✅ Spend tracker & analytics
  • ✅ Bill payments (coming soon)
Create free account →
Fair & transparent

What you pay per transaction

No surprises — just a simple per-transaction fee on top of your plan.

💸 Outgoing payments

M-Pesa STK Push (payment request)1.5% + KES 5
B2C (send to customer)1.2% + KES 5
Bank transfer (to any Kenyan bank)KES 35 flat
Withdrawal to M-Pesa0.8% (min KES 10)

📥 Incoming & wallet

Receive money (C2B / payment link)1.0% + KES 5
Wallet top-up via M-Pesa0.5% (max KES 150)
Internal SmartPay transferFREE
Failed transaction / reversalKES 0 (no fee)

* All fees are inclusive of taxes. No monthly minimums. Enterprise customers get custom volume discounts.

common questions

You ask, we answer

What does “Professional plan integration support” include?

Our team personally helps you integrate your system with our API — including code review, webhook debugging, and go-live assistance. We'll even write sample endpoints for your tech stack.

Can I switch between plans?

Absolutely. Upgrade or downgrade anytime from your dashboard. Changes take effect immediately and we'll prorate any unused time.

What happens if I exceed my API call limit?

Excess requests are automatically blocked with a 429 error. You can purchase overage packs (KES 250 per 1,000 extra calls) or upgrade to the next plan.

Is there a setup fee for STK Push?

No. There's zero setup or onboarding fee. You can start testing in the sandbox immediately after signup.

Does SmartPay handle M-Pesa Paybill/Till numbers?

Yes. We provide dedicated Paybill or Till numbers for high-volume businesses. Contact sales for custom merchant accounts.

Ready to scale with SmartPay?

Join hundreds of businesses that process over KES 2B annually through our API.

Start for free → Read API docs