Accept mobile payments from anywhere in the world.
Reach 30M+ Kenyan mobile-money users with a single API — no local entity, no paybill, no operator paperwork. Malipo is the licensed layer that collects, settles to your wallet, and pays out for you.
Free in test mode · No credit card · First payment in under 5 minutes
# Charge a customer — prompt appears on their phone
curl -X POST https://api.malipo.dev/api/v1/payments/stk_push \
-H "Authorization: Bearer mlp_live_•••" \
-H "Content-Type: application/json" \
-d '{"phone":"+254712345678","amount":2500}'
# → 201 Created · customer enters PIN · wallet credited
Mobile money customers you can reach
From API call to phone prompt
Wallet settlement on success
API for collections & payouts
What You Can Do
Everything you need to move money
Collect from customers. Pay out to anyone. Track every transaction. All through one API.
Push-to-Pay
Send a payment prompt straight to your customer's phone. They tap, enter their mobile money PIN, and the money is yours.
Manual Collections
Hand out a stable account number for customers to pay at their own pace — perfect for invoices, subscriptions, and offline sales.
Instant Payouts
Disburse from your wallet to any mobile-money number. Salaries, refunds, supplier payments — settled in real time.
Live Wallet
Track balances, history, and settlement status as it happens over a live connection. No spreadsheets, no guesswork.
Built for businesses outside Kenya
Reach Kenya without setting up in Kenya
Accepting mobile payments used to mean incorporating locally and surviving the operator's onboarding. Malipo collapses all of that into one integration.
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No Kenyan entity required
You don't need a local company, bank account, or mobile money till. Malipo is the licensed layer that fronts the mobile networks for you.
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No Daraja paperwork
Skip the paybill applications, go-live reviews, and callback wrangling. We hold the integration; you just call our API.
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Settle and pay out freely
Collections land in your KES wallet instantly. Disburse to any mobile money number whenever you're ready.
Your app
Anywhere in the world
Malipo
Licensed payments layer
Customer
Pays via mobile money in Kenya
Your wallet
Credited instantly in KES
How It Works
Up & running in minutes
No integration headaches. No weeks of setup. Create an account, get your key, start collecting.
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01
Create your account
Sign up and create your organization. We provision your wallet and API key instantly.
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02
Send your first request
Make one POST call with a phone number and amount. The customer gets a prompt on their phone.
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03
Collect & pay out
Funds land in your wallet on success. Pay out to any number. Track everything live.