M-Pesa Payment Gateway

M-Pesa, launched by Vodafone's Kenyan associate, Safaricom in 2007, is a mobile phone-based money transfer, financing, and microfinancing service. It is the largest mobile network operator in Kenya, Ghana, and Tanzania.

By using the Lipa Na M-Pesa payment gateway customers can securely make cashless purchases on Magento online stores using their mobile numbers. The admin can integrate and enable the use of the M-Pesa payment method, select the allowed countries and display the logo on the checkout page.

Business Value

The M-Pesa Payment Gateway extension integrates the Lipa Na M-Pesa cashless payment gateway's API with the Magento 2 store. The store merchant can securely accept payments that can only come from a mobile device by using the Magento 2 M-Pesa Payment extension. Using this extension, your Magento 2 store can increase payment security and give customers a better shopping experience.

Account & Pricing

This extension requires the use of an additional M-Pesa account. The account can be created for free. The admin needs to get API integration credentials.

• Click here to sign up/log in for an M-Pesa developer account.
• For any queries on technical solutions kindly contact apisupport@Safaricom.co.ke
• You can also know about M-Pesa pricing charges.
• For more information, please contact the M-Pesa team by email or call.

Features List

• Magento 2 is compatible with the M-Pesa payment method.
• Sandbox mode is available for testing.
• Option to give the payment method a unique title.
• The M-Pesa payment gateway logo can be displayed.
• Allow Lipa Na M-Pesa payments in certain countries.
• Payment using the mobile number.
• View details transaction details in the order view.

How Does The Extension Work?

M-Pesa API

The admin first needs to create an account with M-Pesa for getting the credentials. The credentials may include the email address, username, and password. This will be sent to the registered phone number of the user. 

Further, the admin will manage the configurations from the backend, which includes the title of the payment method, Short Code, Sandbox Mode, and Pass Key, select the cards, and save the details. 

The admin can either use the payment method in sandbox mode or production mode. The admin can use the sandbox credentials for the testing mode.

Cashless Payment Method 

The customer will complete the checkout process by entering their phone number using the M-Pesa payment method.

View Transaction Information

Once the order is placed, both the admin and the customer can review the order details. Under the payment details section, the M-Pesa payment methods will be visible.

Once the order is placed, the transaction will be generated automatically. For all orders, transaction details (Merchant RequestID, Checkout RequestID, and Lipa M-Pesa Number)  will be generated. The payment method, M-Pesa, will also be listed in the transaction details. 

Security & PCI Compliance

This payment method does not require a credit card or bank details to process the payment. Customers using the M-Pesa payment method just need to enter their phone number and confirm payments via phone whenever they add products to their cart, proceed to checkout, and click the place order button. 

The entire payment process does not require the customer’s card information to be entered or stored on the Magento 2 server, ensuring a secure payment process. You can read the M-Pesa data privacy statement to know how it collects information.

The M-Pesa payment gateway extension follows the SAQ-A PCI DSS compliance level. It completely outsources payment processing outside the Magento online platform.

Benefits 

For Customers

• As the transactions are between businesses and their customers, they are typically secure.
• It is a secure mobile-based money transfer gateway that allows customers to pay securely in-store using their mobile numbers.
• Cashless payment service makes it convenient.

For Store Admin

• Allow their customers to make fast, convenient, and cashless payments.
• Instantaneous transactions are held without delay.
• Cardless transactions without needing any bank or sensitive details.

Live Demo

You can check the live demo from here.

Support Policy

• You get free 3 months of technical support included.
• You can buy a 6 or 12-month extended support agreement.
• For issues, please create a ticket or send an email to support@webkul.com
• Free lifetime updates of the extension.