UMS Pay connects your business to M-Pesa STK Push — routing funds directly to your Paybill, Till Number, or bank account in real time. Built for merchants, ISPs, and developers.
Enterprise-grade payment infrastructure designed for Kenyan businesses — from e-commerce stores to ISP billing systems.
Trigger M-Pesa prompts directly from your app or website. Funds settle to your Paybill, Till, or bank account in seconds.
End-to-end encryption, fraud detection, and webhook signature verification keep every transaction protected.
RESTful endpoints, clear documentation, and sandbox testing. Integrate in hours, not weeks.
Track revenue, success rates, and transaction trends from a unified merchant dashboard.
Receive instant callbacks on payment success, failure, or timeout — automate your entire workflow.
Automated invoice generation, PPPoE integration, and recurring billing for service providers.
UMS Pay is engineered with the same security standards expected from modern financial platforms. Your customers' data and your funds are protected at every layer.
From signup to your first payment in under 30 minutes
Register with your business details and verify your email in minutes.
Link your Paybill, Till Number, or bank account with secure credentials.
Use our REST API or dashboard to trigger STK Push from your platform.
Customers pay via M-Pesa prompt. Funds arrive in your account instantly.
No hidden transaction fees. One flat subscription per connected account.
1 month subscription
Common
3 months subscription
Savings: Ksh 150 every 3 months
6 months subscription
Savings: Ksh 450 every 6 months
12 months subscription
Savings: Ksh 1,200 per year
See why merchants and developers choose UMS Pay for their payment infrastructure
"UMS Pay transformed our online store. Customers love the seamless M-Pesa checkout, and we receive funds instantly. Setup took less than an hour."
E-commerce, Nairobi
"The API documentation is excellent. We integrated STK Push into our billing system in a single afternoon. Best payment solution we've used in Kenya."
ISP Provider, Kisumu
"Our restaurant customers pay directly from their phones. No more cash handling issues. The dashboard gives us clear daily revenue reports."
Restaurant Owner, Mombasa
Join thousands of Kenyan businesses using UMS Pay. No setup fees, no transaction charges — just reliable M-Pesa infrastructure.