An M-Pesa payments gateway

Get paid the way Kenya pays.

Newton Labs Pay handles M-Pesa payment links, STK push, settlement, and the dashboard — so your team can stop building it from scratch.

Request access See how it works

1%per successful transaction

Real-timesettlement to your till

< 24honboarding, most days

pay.newtonlabs.ke/dashboard

Payments

Last 7 days · all apps

New link

Volume · 7d

KES 487K

Success rate

97.4%

↑ 0.9% vs last week

Avg settle

2.8s

↓ 0.3s vs last week

James Mwangi

order_4821

KES 2,500

Paid

Achieng Ndegwa

invoice_117

KES 18,400

Paid

Ruth Kamau

order_4823

KES 650

Pending

Peter Otieno

sub_9X7

KES 4,200

Paid

Built on

M-Pesa Daraja API

Safaricom's official payments rail · used live in production

Why we built it

If you've shipped on Daraja, you already know the drill.

Setup takes weeks

Sandbox keys, callbacks, IP whitelisting, going-live forms. You're three weeks in before a real shilling moves.

Payment links look fake

Customers see a generic shortlink in WhatsApp, hesitate, then call to ask if it's real. The sale dies on hold.

Reconciliation eats Fridays

Matching SMS confirmations to orders by hand, every week. Money still goes missing.

Pilot in numbers

Live merchants 12

Processed monthly KES 18M

Median settle time 2.8s

Uptime since 2025 99.94%

How it works

Three calls. That's the integration.

Start with payment links from the dashboard. When you're ready, drop the API into your apps. The whole surface is REST, signed webhooks, and a key.

    
# Create a payment link

curl https://api.newtonlabs.ke/v1/links \

  -H "Authorization: Bearer $NEWTON_KEY" \

  -d '{

    "amount": 2500,

    "currency": "KES",

    "reference": "order_4821",

    "webhook_url": "https://you.app/paid"

  }'

# → returns

{

  "id": "lnk_9X7K2",

  "url": "https://pay.newtonlabs.ke/9X7K2",

  "status": "pending"

}
// Create a payment link

import Newton from "@newtonlabs/pay";

const newton = new Newton(process.env.NEWTON_KEY);

const link = await newton.links.create({

  amount: 2500,

  currency: "KES",

  reference: "order_4821",

  webhookUrl: "https://you.app/paid"

});

// → link.url is what you share

console.log(link.url);

// "https://pay.newtonlabs.ke/9X7K2"
# Create a payment link

import os

from newtonlabs import Newton

newton = Newton(api_key=os.environ["NEWTON_KEY"])

link = newton.links.create(

  amount=2500,

  currency="KES",

  reference="order_4821",

  webhook_url="https://you.app/paid",

)

# → link.url is what you share

print(link.url)

# "https://pay.newtonlabs.ke/9X7K2"
# Share the payment URL with your customer

LINK="https://pay.newtonlabs.ke/9X7K2"

# 1. Open WhatsApp with a pre-filled message

open "https://wa.me/?text=Pay%20here%3A%20$LINK"

# 2. Or generate a QR code for in-store / receipts

qrencode -o pay.png "$LINK"

# 3. Or send via SMS using your provider

curl https://sms.provider.co/send -d "to=+254712345678&text=Pay: $LINK"
// React: drop the URL into your checkout

export function CheckoutButton({ link }) {

  return (

    <a href={link.url} className="newton-pay-btn">

      Pay KES {link.amount.toLocaleString()} with M-Pesa →

    </a>

  );

}

// Or redirect server-side (Express)

res.redirect(link.url);
# Flask: render the link in your checkout template

@app.route("/checkout/<order_id>")

def checkout(order_id):

  link = newton.links.create(amount=2500, reference=order_id)

  return render_template("pay.html", link=link)

# Or redirect directly to the M-Pesa payment page

return redirect(link.url)
# Newton POSTs to your webhook_url when payment lands

POST /paid HTTP/1.1

Host: you.app

X-Newton-Signature: sha256=4f8e9c2a1b7d3e...

Content-Type: application/json

{

  "id": "evt_1Hk2L",

  "type": "link.paid",

  "link_id": "lnk_9X7K2",

  "amount": 2500,

  "currency": "KES",

  "reference": "order_4821",

  "paid_at": "2026-05-18T10:24:11Z"

}
// Express webhook handler — verify, then settle

app.post("/paid", async (req, res) => {

  const sig = req.headers["x-newton-signature"];

  if (!newton.verifyWebhook(req.body, sig)) {

    return res.status(401).end();

  }

  const event = req.body;

  if (event.type === "link.paid") {

    await markOrderPaid(event.reference, event.amount);

  }

  res.json({ received: true });

});
# Flask webhook handler — verify, then settle

@app.route("/paid", methods=["POST"])

def newton_webhook():

  sig = request.headers["X-Newton-Signature"]

  if not newton.verify_webhook(request.data, sig):

    return "", 401

  event = request.get_json()

  if event["type"] == "link.paid":

    mark_order_paid(event["reference"], event["amount"])

  return {"received": True}

What's included

What's in the gateway.

Each feature came from running our own apps. If we didn't need it, we didn't build it. No upsells, no add-ons, no enterprise tier.

API

Payment links

One API call. Optional expiry, optional amount lock, optional branding per app.

MONEY

Real-time settlement

Funds move to your M-Pesa till, paybill, or bank the moment STK approves. No T+1.

OPS

Reconciliation dashboard

Every payment, every status, every reference, searchable. CSV export or stream to your own ledger.

DEV

Signed webhook events

HMAC-signed events for created, paid, failed, refunded. Retried with exponential backoff. No polling.

ACCOUNT

One account, many apps

Run several products from one Newton Labs Pay account. Per-app keys, per-app reporting, per-app branding.

FLOW

Refunds & disputes

One-click refunds back to the original M-Pesa number. Dispute log for chargebacks, no extra fee.

SEND

Send money to any phone

Pay drivers, freelancers, or refund a stranger. M-Pesa's B2C rail, no extra integration.

PAY

Pay any paybill

KPLC, Nairobi Water, KRA, rent — anything on Safaricom's B2B rail. From the same dashboard.

PAYOUTS

Withdraw to PayPal

Cash out your Newton Labs balance straight to PayPal — pay overseas suppliers and freelancers without a bank wire. Alongside the usual M-Pesa till and bank payouts.

Pricing

One rate. No surprises.

No setup fees. No monthly. You only pay when you get paid. Custom rates once you grow past your first million in monthly volume — not before.

per successful M-Pesa transaction
capped at KES 200

Unlimited payment links

Real-time M-Pesa settlement

Reconciliation dashboard

Signed webhooks with retries

Unlimited apps under one account

Refunds at no extra cost

Safety & control

How the money moves.

We sit on M-Pesa, which means your customers' money doesn't dwell with us — it clears through Safaricom's rail and lands in your till in seconds.

RAIL

M-Pesa STK push

Customers approve every payment on their own phone, on Safaricom's rail. We never see a PIN.

TIMING

Real-time settlement

Funds move from customer to your till in seconds. We never hold them overnight, ever.

KYC

KYC on every merchant

We verify every merchant before going live. Payers can ask us who you are — and we'll have an answer.

ACCESS

2FA & audit logs

Two-factor on signin. Every action on your account is logged. Per-app keys revocable in one click.

Questions

Things merchants ask before signing.

Didn't see your question? Email hello@newtonlabs.ke and we'll reply within a working day.

Who can sign up?

−

Any registered Kenyan business or sole proprietor with a valid M-Pesa till or paybill. We verify every merchant before going live — usually within a working day of you sending KYC.

How long does onboarding take?

Most merchants are live in under 24 hours. You can start generating test links the same day you sign up.

What does it cost?

1% per successful M-Pesa transaction, capped at KES 200. No setup, no monthly. If you don't get paid, we don't get paid.

Do you support cards or Airtel Money?

Not yet. M-Pesa only for now. Cards and Airtel Money are on the roadmap once we're stable on the M-Pesa rail.

Where does the money settle?

Directly into your M-Pesa till, paybill, or linked bank account in real time. We never hold your funds overnight.

Can I integrate via API?

Yes. Once approved you get a Bearer key and our REST docs. Create links, fire webhooks, manage refunds — all programmatically.

Start taking M-Pesa.

Drop your email. We'll send a short KYC form. Most merchants are live within a working day.

We only email about your application. No newsletters, no spam.

Get paid the way Kenya pays.

If you've shipped on Daraja, you already know the drill.

Setup takes weeks

Payment links look fake

Reconciliation eats Fridays

Three calls. That's the integration.

Create a link

Share or embed

Receive webhook, settle

What's in the gateway.

Payment links

Real-time settlement

Reconciliation dashboard

Signed webhook events

One account, many apps

Refunds & disputes

Send money to any phone

Pay any paybill

Withdraw to PayPal

One rate. No surprises.

How the money moves.

M-Pesa STK push

Real-time settlement

KYC on every merchant

2FA & audit logs

Things merchants ask before signing.

Who can sign up?

How long does onboarding take?

What does it cost?

Do you support cards or Airtel Money?

Where does the money settle?

Can I integrate via API?

Start taking M-Pesa.