Get paid by M-Pesa.
Keep all of it.

VunaOnline sends your customers an M-Pesa prompt from your website, app, link or invoice. They type their PIN, and the money settles straight to your till or bank account.

No Paybill paperwork. No contract. Free until you grow.

M-PESA
KES 500
to VunaOnline merchant
Prompt sent to your phone. Enter your M-Pesa PIN to pay.
✓ Money settles directly to your own till or bank ✓ Free under KES 10,000 a month ✓ No contracts. Live in minutes


Everything you need to get paid

📱STK prompts

Your customer's phone gets the payment request. They enter their PIN. Done — no Paybill numbers to copy.

🔗Payment links

Selling on WhatsApp or Instagram? Create a payment and send the link. The customer just types their number.

🧾Invoices

Professional invoices with line items, your logo, automatic reminders and recurring billing.

🔔Instant alerts

A Telegram message and a signed webhook reach you the second a payment completes.

⚙️API & webhooks

One clean REST API with signed webhooks and one-click test delivery.

🏦Direct settlement

Money goes to the M-Pesa till or bank account you register. It is never held by anyone else.


Simple pricing that grows with you

Based on how much you collect in a calendar month. No setup fees, no contracts, cancel anytime.

Just starting
Free

When you collect under KES 10,000 in a month

  • Everything in the platform
  • Unlimited payments under 10k
  • Direct settlement to your account
Start free
Most popular
Growing
2.5% of the month

When you collect KES 10,000 – 100,000 in a month

  • Billed at the end of the month
  • Only on what you actually collected
  • Everything in the platform
Create account
Established
KES 2,500 flat / month

When you collect over KES 100,000 in a month

  • Same price at 101k or a million
  • Never another shilling more
  • Everything in the platform
Create account

Example: you collect KES 40,000 in October → your fee is KES 1,000 at month end. You collect KES 800,000 → your fee is KES 2,500, flat.


How it works

1
Create an account

Your email and a password. Verify, save your webhook, generate your API key. About five minutes.

2
Start a payment

One POST request with the amount and phone, a payment link, or a full invoice.

3
Get paid

Customer enters their PIN. Money settles to your account and your webhook fires instantly.


Questions people ask

Where does the money actually go?

Straight to the M-Pesa till or bank account you register in your dashboard. You can see the details there any time.

When do I pay the fee?

At the end of each month, based on what you collected. Under KES 10,000 in a month, you pay nothing at all.

Is there a limit on the 2,500 flat plan?

No. Once you collect over KES 100,000 in a month, the fee is KES 2,500 flat, whether you make 101,000 or a million.

Do my customers need to install anything?

No. They receive the normal M-Pesa prompt on their phone and enter their PIN, like any other payment.

I don't have a website yet. Can I still use it?

Yes. Every payment gets a hosted checkout link you can send by SMS or WhatsApp, and invoices can be shared as links too.

How do I confirm a payment on my side?

Check the status endpoint, or receive a signed webhook the moment payment completes. Both are included.

Running a Socpanel SMM panel?

Plug M-Pesa top-ups straight into your panel. No code needed.

Panel owner log in