Kenya M-PESA Wallet Integration | My OneApp, MiniPay, Timiza

Kenya M-PESA Wallet & Payments Integration

Kenya's payments layer is M-PESA-native. On this page: My OneApp (Safaricom's M-PESA super app), MiniPay (Opera's stablecoin wallet), PayPal, Voye (cross-border transfer), Timiza (Absa's digital wallet) and Sawa Cash. Mobile money is the default for P2P, merchant pay and bills — partners reconciling collections need app-level histories, not agent receipts.

We build authorized integrations for wallet balances, M-PESA transaction histories, merchant settlement lines and cross-border transfer status where each app exposes them. Stablecoin wallets such as MiniPay are payments surfaces here, scoped separately from bank-ledger objects.

Projects usually start with the M-PESA super app, lock consumer vs merchant objects, then add Timiza or Voye for bank-wallet and remittance corridors. We map transaction references when visible without claiming a direct Safaricom switch feed.

Name the wallet and objects. Delivery is runnable documented source with UAT packaging and source after acceptance.

Popular apps

Top free finance apps on Google Play, by country. App names link to the public Play listing when available.
#	App	Developer	Rating
1	My OneApp	Safaricom PLC	4.3
19	MiniPay- Stablecoin Wallet	Opera	4.3
27	PayPal	PayPal Mobile	4.2
42	Voye: Global Transfer	Cede Technologies	3.4
44	Timiza	Absa Group Limited.	4.2
48	Sawa Cash	JSB Blueboys	4.4

For My OneApp, MiniPay, Timiza and Voye we typically deliver balances, M-PESA history and merchant settlement reads:

Services we provide

Open Data & Open Finance API Integration

Standards-aligned API layers that expose account, payment and identity data from banking and wallet apps to your own systems.

App Protocol & Traffic Analysis

Reverse-engineer an app's request/response protocols to produce a clean, documented integration surface.

OAuth & Token Login Interfaces

Compliant authorization flows, token issuance, refresh and session management for account access.

Balance & Transaction-History Extraction

Programmatic access to account balances, ledgers and line-item transaction history.

Payment & Transfer Data Extraction

Read pending and completed transfers, payment batches and remittance records.

Scheduled & Recurring Transaction Monitoring

Export future-dated and recurring payments to forecast cash flow and manage liquidity.

ERP & Accounting Sync

Push extracted data into QuickBooks, NetSuite, Xero or custom treasury dashboards — no manual CSV exports.

Runnable Source Code & API Docs

You receive working API / protocol source code and the interface documentation to run and maintain it.

Frequently asked questions

Which Kenyan wallets are the usual starters?

The M-PESA super app (My OneApp) is the anchor surface, with MiniPay, Timiza, Voye and PayPal common additions on the Kenya payments list.

Can M-PESA transaction references be captured for settlement?

When the wallet or merchant surface exposes M-PESA settlement lines or transaction references, we map them for reconciliation.

Is MiniPay treated as a wallet or a bank here?

As a payments surface on this page — Opera's stablecoin wallet is scoped apart from full banking apps.