Kwabathuthukisi

I-API ehlanzekile yokuqoqa nokukhokha.

Okhiye be-OAuth2, i-sandbox, isicelo-sokukhokha efonini yekhasimende, nama-webhook asayiniwe — hlanganisa ntambama.

Funda imibhalo Thola okhiye be-sandbox Ireferensi ye-API

Okhiye be-sandbox mahhala emizuzwini embalwa. Okhiye be-live ngemuva kokubuyekezwa okufushane.

charge.sh

# 1. Exchange your key pair for a 1-hour token
curl -s https://pesa-bridge.com/api/bridgepay/v1/oauth/token \
  -H "Content-Type: application/json" \
  -d '{"client_id":"pk_test_…","client_secret":"sk_test_…"}'

# 2. Push a payment prompt to the customer's phone
curl -s https://pesa-bridge.com/api/bridgepay/v1/partner/stk \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"payer_msisdn":"254708374149","amount":250,
       "reference":"INV-1001","idem":"inv-1001-1"}'← 200  {"charge_ref":"STK0000123","state":"pending"}
→ webhook  charge.completed  KES 250.00  ok

Umhlahlandlela osheshayo

Kusukela kuqanda kuya ku-oda elikhokhiwe ngezinyathelo ezine

Konke kusebenza ku-sandbox ngokhiye bokuhlola, ngakho wakha yonke inqubo ngaphambi kokuthi kunyakaze imali yangempela.

Vula i-akhawunti

Bhalisa kukhonsoli yomthuthukisi. Okhiye bokuhlola nabe-live bakhishwa ngokushesha.

/developer/signup

Thola ithokheni

Shintshanisa okhiye bakho ababili ngethokheni ye-Bearer ehlala ihora elilodwa.

POST /oauth/token

Cela inkokhelo ocingweni

Thumela isicelo senkokhelo. Ikhasimende ligunyaza ocingweni lwalo nge-PIN yalo.

POST /partner/stk

Thola i-webhook

Umcimbi osayiniwe we-charge.completed utshela iseva yakho ukuthi i-oda likhokhiwe.

charge.completed

Landela umhlahlandlela osheshayo Thola okhiye be-sandbox

Ongakwakha

I-API eyodwa yemali engenayo, ephumayo nakho konke okuyizungezile

Ama-endpoint angu-53 emaqenjini angu-12, ngendlela eyodwa yokuqinisekisa nefomethi eyodwa yamaphutha.

Ama-endpoint angu-14

Yamukela izinkokhelo

Isicelo senkokhelo, i-QR eguqukayo, i-till ne-pay bill, ama-invoyisi nama-oda ahlala njalo.

Funda umhlahlandlela

Ama-endpoint angu-2

Ikhasi lokukhokha elilungisiwe

Ikhasi lokukhokha elilungile nezixhumanisi zokukhokha ezabelanwayo, ngaphandle komsebenzi we-front-end.

Funda umhlahlandlela

Ama-endpoint angu-5

Ukukhokha

Khokhela ama-wallet, amabhizinisi neziphathimandla zentela, ngesiqinisekiso sesibili ongasikhetha.

Funda umhlahlandlela

Ama-endpoint angu-8

Ama-webhook

Imicimbi esayiniwe enemizamo ephindwayo, ukuthumela kokuhlola, amarekhodi okulethwa nokuthumela kabusha.

Funda umhlahlandlela

Ama-endpoint angu-3

Okwenziwayo nokuhlehliswa

Bheka futhi uvumelanise konke okunyakazayo. Ukuhlehlisa kudinga umgunyazi wesibili.

Funda umhlahlandlela

Ama-endpoint angu-14

Okhiye nokuphepha

Okhiye bokuhlola nabe-live, amathokheni ehora elilodwa, ukushintsha okhiye nokufinyelela kwethimba.

Funda umhlahlandlela

Ama-endpoint angu-4

Amathuluzi e-sandbox

Izinkokhelo ezilingisiwe, isamukeli se-webhook esisingathiwe namarekhodi abukhoma.

Funda umhlahlandlela

Ukuqala ukusebenza

Uhlu lokuhlola olufushane, bese ushintshela kokhiye be-live. Akukho okunye okushintshayo.

Funda umhlahlandlela

Lapho kubonakala khona

Ukuxhumana okukodwa, kuso sonke isikrini amakhasimende akho asisebenzisayo.

I-API efanayo iqhuba ifoni yekhasimende, ikhasi lokukhokha, umshini wokukhokha ekhawunta kanye nedeshibhodi yebhizinisi.

Isango labathengisi: izixhumanisi zokukhokha

Isifinyezo seshifti ngendlela yokukhokha

Yakhelwe imali

I-API ephatha njengesistimu yezinkokhelo.

Ama-API amaningi ahambisa idatha. Le ihambisa imali — ngakho ayiphindwa, isayiniwe, futhi yakhelwe umjikelezo wempilo wenkokhiso ongawethemba.

Ukuqinisekisa yi-OAuth2 client-credentials: ushintshanisa ukhiye nemfihlo ngethokheni yesikhashana. Wonke ubizo olushintsha isimo luphethe ukhiye we-idempotency, ukuze ukuphinda kwenethiwekhi kubhadale kanye kuphela — impahla ebaluleke kunazo zonke lapho imali yangempela ibandakanyeka.

Ukuqoqa yinkokhiso. Uyayisunduzela enombolweni yekhasimende; isicelo-sokukhokha sifika efonini yalo; baqinisekisa nge-PIN. Inkokhiso idlula kwilindiwe → egunyaziwe → eqediwe (noma enqatshelwe / ephelelwe yisikhathi / ehlulekile), kanti ufunda umphumela ngezindlela ezimbili: hlola i-endpoint yesimo, noma — kangcono — thola i-webhook ngomzuzu eshintsha.

Ama-webhook asayinwe nge-HMAC-SHA256 ngokumelene nemfihlo ephethwe nguwe ne-PesaBridge kuphela, futhi aphindwa nge-backoff kuze kube i-endpoint yakho iyaqinisekisa — ukuze wakhe kuwo ngaphandle kokwesaba umcimbi ophuthile noma okhohlisiwe. I-endpoint yebhalansi neyokwenziwe ivala umjikelezo wokuhlanganisa, kanti i-sandbox iqhuba inkontileka efanayo, ukuze uthumele ngethemba.

Umjikelezo wempilo wenkokhiso

pendingauthorisedcompleteddeclinedexpiredfailed

webhook · charge.completed

{
  "event": "charge.completed",
  "charge_ref": "STK9F2A",
  "amount": 250.00,
  "currency": "KES",
  "state": "completed",
  "signature": "hmac-sha256…"
}

Amathuluzi

Ngaphezu kwe-API: amathuluzi ayizungezile

Hlola, zama futhi ulungise ukuxhuma kwakho ngaphandle kokubhala ikhodi elahlwayo noma ukufaka iseva.

Vula ikhonsoli yomthuthukisi

Isihloli se-APIBiza yonke i-endpoint usesiphequluli ngokhiye bakho be-sandbox bese ukopisha ikhodi.

Incazelo ye-OpenAPI 3Dawuniloda isivumelwano bese ukhiqiza i-client nganoma yiluphi ulimi.

Isamukeli se-webhook i-EchoI-URL esingathiwe ebamba futhi iqinisekise okulethwayo, ukuze uhlole ngaphandle kweseva.

Amarekhodi eziceloYonke inkokhelo nakho konke okulethwa kwe-webhook, nesimo nesikhathi sakho.

Isikhombo se-API

Isici esincane, esilindelekile.

POST/oauth/tokenShintshanisa iziqinisekiso zeklayenti ngethokheni.

POST/partner/stkSunduza inkokhiso (isicelo-sokukhokha) kwikhasimende.

GET/partner/statusHlola isimo senkokhiso.

GET/partner/balanceBuza ibhalansi ye-akhawunti yokuqoqa.

POST/biz/requestIsicelo-sokukhokha somthengisi.

POST/ussdUmbiko obuyayo we-gateway yemenyu ye-USSD.

Ukuphepha nokulandela imithetho

Ukwethenjwa kungumkhiqizo.

Izinsiza zezimali ziphila noma zife ngokulunga nokulawula. I-PesaBridge ifaka kokubili emgogodleni.

Umbhalo-kabili ngokwakheka

Konke ukuhamba kufaka amadebithi namakhredithi abhalansayo — amabhuku ahlanganela ku-zero, njalo.

I-PIN, i-KYC nemikhawulo

Amazinga e-KYC alungiswayo, imikhawulo yomsebenzi ngamunye neyansuku zonke, imizamo ye-PIN nokukhiya isikhwama.

Ayiphindwa futhi ibuyiseleka

Okhiye be-idempotency bavimba ukukhokhiswa kabili; injini eyodwa yokubuyisela ihlehlisa noma yisiphi isigaba.

Ama-webhook asayiniwe

Izisayino ze-HMAC-SHA256 nokuphinda ukuze izistimu zozakwethu zithembe wonke umbiko obuyayo.

Umkhondo ophelele wokuhlola

Okufakiwe kwe-ledger okungaguqulwa nomlando wokwenziwa kwabalawuli nezimpikiswano.

Ukulandela imithetho ngezwe ngalinye

Izinhlobo ze-ID, imithetho ye-KYC namanani kushintsha nemakethe, kusuka ekulungiseni.

Ukuqala ukusebenza

Kusuka ku-sandbox kuya ekukhiqizeni ngaphandle kokubhala kabusha umugqa owodwa

Ikhodi efanayo isebenza kuzo zombili izimo; ukhiye owusebenzisayo yiwona onquma. Uma ukuxhuma kwakho sekulungile, cela ukufinyelela kwe-live bese ushintsha okhiye.

I-SandboxUkubuyekezaI-Live

Amasiginesha e-webhook ayaqinisekiswa, nefasitela lesikhathi
Ukhiye we-idempotency kuyo yonke inkokhelo nokukhokha
Okhiye abayimfihlo baseseveni yakho kuphela
I-endpoint ye-webhook ye-live enemfihlo yayo yokusayina
Ukuvumelanisa kwansuku zonke ne-API yokwenziwayo

Funda uhlu lokuqala ukusebenza Cela ukufinyelela kwe-live

190+

Amazwe ongawethula kuwo

Ama-app omdabu, iplatifomu eyodwa

Iziteshi — App · USSD · Web · API

100%

Umbhalo-kabili, ubhalansa njalo

Kukhona okukubambile?

Onjiniyela bethu baphendula imibuzo yokuxhuma. Sithumelele inombolo yereferensi yesicelo, sizothola ucingo oluqondile.

Xhumana nosizo

Imibuzo evamile

Imibuzo, iphenduliwe.

Ukuthenga i-PesaBridge

Singaqala ngengxenye yenkundla?

Yebo. Uhlelo lwe-Starter luhlanganisa izinhlelo zokusebenza zekhasimende nezommeleli kanye nehhovisi elingemuva ne-KYC. Abathengisi, i-API yabathuthukisi, i-USSD, imalimboleko, ukonga nezinkokhelo zobuningi kuvulwa kamuva kuleja efanayo, ngakho akukho okwakhiwa kabusha njengoba nikhula.

Intengo ye-PesaBridge ibalwa kanjani?

Ngezindlela ezine: izinhlelo ze-Starter, Growth ne-Enterprise, noma Ubambiswano lapho ungakhokhi khona imali yelayisensi, esikhundleni salokho sabelane ngemali engenayo ehlanzekile. Isakhi seziphakamiso kule sayithi sikunika intengo eqondile nohlaka lwesivumelwano cishe emizuzwini eyi-10.

Yini enikudingayo kithi ukuze sethule?

Ilayisensi, noma umlingani onelayisensi ogcina imali yamakhasimende; ama-akhawunti emabhange nakubahlinzeki bezinkokhelo enifuna ukuxhuma kubo; uphawu lwenu; namanani enu. Uma imininingwane yokungena yabahlinzeki isifikile, izwe lokuqala ngokuvamile liqala ukusebenza emasontweni angu-4 kuya kwangu-12.

Singayizama ngaphambi kokusayina?

Yebo. Cela ukufinyelela kokuhlola futhi uzothola nge-imeyili izinhlelo ze-Android zemikhiqizo oyikhethile, amaphothali ewebhu nemininingwane yokungena yokuhlola. Konke kusebenza endaweni yokuhlola, ngakho ayikho imali yangempela edlulayo. Abathuthukisi bangavula i-akhawunti yokuhlola kuphothali yabathuthukisi noma nini.

Yiluphi usizo noqeqesho enilunikezayo?

Uhlelo ngalunye luhlanganisa usizo: nge-imeyili ku-Starter, usizo olubekwe phambili ku-Growth, nesivumelwano sezinga lesevisi kanye nokwethulwa ku-Enterprise. Ngesikhathi sokwethula siqeqesha amathimba enu ehhovisi elingemuva, osizo nenethiwekhi yabameleli, futhi isikhungo sosizo, imihlahlandlela nemibhalo ye-API kuhlala kukhona ku-inthanethi kuwo wonke umuntu.

Inkundla

Ingabe i-PesaBridge iyiplatifomu engiyabelanayo, noma eyami?

Ngeyakho. I-PesaBridge ingumkhiqizo i-BridgeERP ewudayisa kabusha — umsebenzisi ngamunye uthola okwakhe ukuthunyelwa, okuklanyelwe futhi okulungiselelwe yena. Ayikho idathabhesi eyabelwene, ayikho i-super-admin eyabelwene.

Yimaphi amazwe nezimali ezisekelwayo?

Noma yimaphi. Izwe, imali, ulimi nemithetho ye-KYC kungukulungisa okudonswe kusethi ephelele ye-ISO — akubethelwanga. Sinezimakethe ezivulekile namuhla futhi sivula ezintsha ngaphandle kokwakha kabusha.

Ingabe isebenza emafonini ajwayelekile?

Yebo. Nge-USSD, amakhasimende ayathumela, akhiphe, akhokhe amabhili, athenge impahla ne-airtime, abheke ibhalansi futhi athole isitatimende esincane, kuhlanganela ku-ledger efanayo neyama-app.

Ngingaxhuma amabhange nama-rail ami wezinkokhelo?

Yebo. Ama-rail angama-adapter angena kalula — amabhange, imali yeselula, amakhadi nama-PSP — ukuze uxhume kuphela lokho imakethe yakho ekudingayo.

Singaya live ngokushesha kangakanani?

Amaviki, hhayi iminyaka. Lungisa ibhrendi nezwe lakho, xhuma ama-rail akho, bese uthumela ama-app akho, ikhodi ye-USSD namaphothali eweb kusuka eplatifomu eyodwa.

Ingabe iphephile futhi ingahlolwa?

Konke ukuhamba kungumbhalo-kabili futhi kubhalansa ku-zero, kuvikelwe nge-PIN ne-KYC, ngama-webhook asayiniwe nomkhondo ophelele wokuhlola wabalawuli.

Yimaphi ama-app abasebenzisi namakhasimende abo abawatholayo?

Ama-app e-Android ne-iOS omdabu ayisithupha: i-app yoMsebenzisi yamakhasimende, i-app ye-Send yokuthumela imali phesheya, i-app yoMenzeli / uMenzeli omkhulu yokufaka, ukukhipha imali ne-float, i-app yoMthengisi yokwamukela izinkokhelo nokuxazulula, i-app yeKhawunta yezitolo ne-app yeNkampani yokukhokha ngobuningi ngokugunyazwa ngabantu ababili, esebenza futhi njengesango lewebhu.

Ukubhadala nokuhlanganisa kusebenza kanjani?

Izimali zibhadala esikhwameni esihambisanayo ngesikhathi sangempela. Wonke umsebenzi ukhiqiza okufakiwe kwe-ledger okubhalansayo ongakuhlanganisa, ngezitatimende nokuthumela ngaphandle, kanye ne-bridge ye-GL yesistimu yakho yezimali.

Ingaphatha izikweletu, imali egciniwe nezimali zamaqembu?

Yebo — i-overdraft, izikweletu ze-MFI ezinamashejuli neqophelo lengozi lephothifoliyo, imali egciniwe yenjongo, kanye namaqembu emali egciniwe (i-chama / merry-go-round) kuyingxenye yeplatifomu futhi kuvuleka ngemakethe ngayinye.

Ningasekela ukukhokha ngobuningi kwamaholo, usizo noma izibonelelo?

Yebo. Isango lezinKampani ne-API kukhokha ngobuningi ezinkulungwaneni zezikhwama ngemvume ye-maker/checker, izincwadi zabamukeli, ukuhlela isikhathi nokuvumelanisa okuphelele.

Kudinga ini ukuyiqhuba nsuku zonke?

I-console eyodwa ye-admin yomsebenzisi iqhuba ibhrendi, amanani, i-KYC, inethiwekhi yomeli neyomthengisi, i-ledger, ukubuyisela, ukwesekwa nama-KPI — akudingeki khodi ekusebenzeni kwansuku zonke.

Ngubani onikeza ukuthunyelwa nedatha?

Nguwe. Umsebenzisi ngamunye uqhuba okwakhe ukuthunyelwa nedathabhesi yakhe — okuklanyelwe futhi okulungiselelwe yena. Ingumkhiqizo owudayisa kabusha njengowakho, hhayi i-tenant ye-SaaS eyabelwene.

Funda kabanzi