EcoPay360

EcoPay360

M-Pesa STK that settles to your Paybill, Till, or Bank — so you can collect without holding anyone’s money.

Start free trial See how it works

The path

From signup to a phone that asks for PIN

Five calm steps. No theatre. You connect the destination your business already uses, then let STK do the familiar part on the customer’s phone.

  1. 01

    You already know how customers pay

    They open M-Pesa on their phone. You need the prompt — not another wallet sitting between you and their money.

  2. 02

    Open a workspace in minutes

    Sign up, get a three-day trial, and walk into a dashboard that already understands accounts, keys, and collections.

  3. 03

    Connect where money should land

    Add your Paybill, Till, or Bank with the shortcode and Lipa passkey you already use. EcoPay360 never holds the funds.

  4. 04

    Mint a key you can trust

    Create a test or live key. You see the plaintext once; after that it lives hashed — the way production keys should.

  5. 05

    Push STK. Collect. Move on.

    One POST with amount, phone, reference, and account. They confirm with a PIN. You get the receipt by webhook or status poll.

Who it’s for

Made for people who collect — not for another wallet story

Whether you write the integration or stand at the counter, EcoPay360 stays out of the money path and close to the moment that matters: the prompt on the phone.

  • Builders shipping checkout

    You want a clean STK endpoint, OpenAPI docs, and status you can trust — without standing up Daraja plumbing for every experiment.

  • Shops and service desks

    Customers pay on the phone they already carry. You collect to the Till or Paybill your books already know.

  • SaaS and invoice products

    Attach a reference, prompt the payer, and reconcile when the webhook lands. Familiar for you. Familiar for them.

Card payment on a mobile POS terminal

Settlement

Money lands where your business already lives

Customers trust destinations they recognize. You connect yours once. EcoPay360 prompts STK; settlement goes to you — not through a custody layer.

  • Paybill

    Business shortcodes with account numbers — invoicing, subscriptions, and recurring collections that need a clear trail.

  • Till

    Buy Goods tills for retail and counters where someone walks up, pays, and expects the till to ring true.

  • Bank

    Route settlement to a connected bank destination when your stack needs that rail instead of a shortcode.

On the phone

The moment that matters: PIN confirm

Your API call becomes a prompt people already understand. They check the amount, enter their PIN, and you’re done with the awkward “please wait while we process” dance.

Success or failure comes back through status and webhooks — so your ledger can stay honest without refreshing forever.

Amount

KES 500

Channel

STK Push

Result

Webhook

Platform

Quiet confidence for a payments product

Premium isn’t louder chrome. It’s knowing custody isn’t your problem, keys are hashed, and the receipt arrives when the PIN goes through.

No fund custody

Money never parks in an EcoPay360 wallet. STK settles straight to your shortcode or bank destination — you stay in control of cash flow.

Built for real integrators

OpenAPI docs, hashed API keys, rate limits, status polling, and signed webhooks. The boring production pieces are already there.

Trial that feels useful

Three days to connect a destination, mint a key, and push real STK flows — then flip to live when you are ready.

Quiet, reliable delivery

Webhooks carry the receipt when payment lands. Status polling is there when you need a backup. Hybrid by design.

What you get

A trial that feels like the real product

Three days to connect a destination, mint keys, and push STK — with the same surfaces you’ll use when you go live.

  • Workspace & dashboard

    Org, team access, accounts, keys, and transaction history in one calm place.

  • Test and live keys

    ECOPAY360_test_… while you integrate. Live keys when your destination is connected.

  • STK Push API

    Amount, MSISDN, reference, account_id — one call that becomes a phone prompt.

  • Docs that match the wire

    Request shapes, status fields, and examples stay in the dashboard when you need them.

International banknotes — money in motion

Real payments. Familiar phones. Your API behind it — without holding the cash.

Paying online with a card

For builders

One POST. A phone prompt. A receipt.

Integrate with test keys. Switch to live when your destination is connected. Status and signed webhooks keep your books aligned with what happened on the phone.

POST /api/v1/stk/push

{
  "api_key": "ECOPAY360_live_…",
  "amount": 500,
  "msisdn": "254712345678",
  "reference": "INV-42",
  "account_id": "ECOACC…"
}
Read the full API docs

Ready

Start collecting the way your customers already pay

Create a workspace, connect a destination, mint a key, and push your first STK. When you need shapes and status fields, the docs stay beside you in the dashboard.

Create workspace Read the API docs
Customer paying at a modern checkout counter