Payments & integrations
A loan system with
M-Pesa & bank integration.
Connect M-Pesa (C2B, B2C, B2B) and bank payments to your lending workflows. Disburse, collect, prompt, reconcile and follow up with Bulk SMS reminders — with transactions linked to the right customers and accounts.
M-Pesa and bank payments
Payment capabilities connected to your loan system
M-Pesa C2B & B2C
Receive C2B paybill collections and send B2C loan disbursements through Safaricom Daraja, with transaction status tracking and matching to customers and loan accounts.
M-Pesa B2B & STK prompts
Support B2B payment flows and initiate M-Pesa Express (STK) prompts for supported deposits and repayments, with visible request outcomes.
Bank integration
Connect bank payment and transfer workflows alongside M-Pesa so your organisation can manage and reconcile payments across channels in one place.
Reconciliation & Bulk SMS reminders
Resolve unmatched or pending transactions in reconciliation queues, and send Bulk SMS reminders and notifications to customers/clients for due dates and follow-up.
Connected workflows
From disbursement to collection, in one view
- Disbursements: send approved loan payouts via M-Pesa B2C and track outcomes.
- Collections: receive C2B repayments and STK-prompted payments linked to customer and loan records.
- Bank & M-Pesa together: manage and reconcile payments across channels with clear auditability.
- Customer reminders: use Bulk SMS for scheduled due-date reminders and operational messages to customers/clients.
Integration availability and flows depend on your organisation’s M-Pesa/bank setup and configuration. Talk to us about your requirements.
Common questions
M-Pesa integration FAQs
Which M-Pesa integrations are supported?
Kredicore integrates with Safaricom Daraja for M-Pesa C2B paybill collections, B2C disbursements, B2B payments and STK (M-Pesa Express) payment prompts, subject to your organisation’s M-Pesa setup.
Do you support bank integration?
Yes. Kredicore supports bank integration alongside M-Pesa so payment and transfer workflows can be managed and reconciled across channels.
How are payments matched to loans?
Incoming payments can be matched to the correct customers and loan accounts where possible, with unmatched or pending transactions routed to reconciliation and exception queues for review.
Can you send reminders to customers?
Yes. Teams can send reminders to customers/clients using Bulk SMS, including scheduled due-date reminders, and manage SMS templates and notifications as part of operations.
Let’s move forward
Need a loan system with M-Pesa integration?
See how Kredicore connects M-Pesa, bank payments, reconciliation and Bulk SMS reminders to your lending workflows.