M-Pesa, bank and card — wired into whatever you run.
The payments layer under any system: Safaricom Daraja (STK, C2B, B2C, B2B), bank and card gateways, and automated reconciliation — built and secured properly.
The problem
Taking the money is easy. Trusting the numbers isn’t.
Plenty of businesses collect on M-Pesa but still reconcile by hand, lose track of failed payments, and never get a single trustworthy view. Halisi builds the payments engine — integrations, callbacks, reconciliation and audit — so the money side of your system is solid.
- Reconciliation done by eye against M-Pesa statements
- STK, C2B and B2C flows that are risky to build in-house
- Failed and duplicate payments that quietly slip through
- Payments spread across M-Pesa, bank and card with no single view
- No proper audit trail when money is questioned
What it does
Everything the job actually needs.
STK push, C2B, B2C and B2B built correctly, with callbacks and edge cases handled — not a weekend hack.
Connect the banks and card processors you use, alongside M-Pesa, under one system.
Incoming and outgoing payments match themselves to invoices, members or orders, with exceptions flagged for review.
Timeouts, duplicates and failed callbacks are handled so a shaky network never corrupts your books.
Every movement is recorded double-entry with a full audit trail, so the money always ties out.
One live view of what came in, what went out and what needs attention.
How it works
Simple to run, from day one.
We wire up your paybill, till, bank and card accounts through the right integrations.
Collections and disbursements flow through a hardened payments engine with proper callbacks.
Each payment matches to what it’s for; anything unclear goes to a review queue.
A single dashboard and a full audit trail keep the money side trustworthy.
Who it’s for
Built for teams like yours.
- Businesses collecting via M-Pesa at volume
- Software products that need to move money
- SACCOs, schools and clinics wiring up payments
- Anyone still reconciling M-Pesa by hand
Questions
Straight answers.
Can you take us live on Daraja / a shortcode?
Yes — we handle the Daraja integration and support the go-live process for your paybill or till shortcode.
Can this plug into our existing system?
Yes. The payments engine can sit under software you already run, or inside a custom build we do for you.
How do you handle security?
Card flows follow PCI DSS handling practices, secrets are protected, and every movement is logged and auditable.
Is this the same as Halisi Ledger?
Related but different: Halisi Ledger is our ready-made product for chamas and SACCOs. This is custom payments engineering for any business — often the layer beneath a bespoke system.