Payments and settlement infrastructure for developers.

Build payment flows, merchant integrations, and automated settlement into your applications, backed by a platform built for Kenyan business rails.

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REST APIWebhooksSandbox environmentProduction ready

Account creation — POST/auth/register

curl http://localhost:3000/auth/register \
    -X POST \
                                      -H "Authorization: Bearer $SUPER_ADMIN_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
        "username": "merchant-user",
        "email": "merchant@example.com",
        "password": "strong-password"
  }'

Response201 Created

{
    "message": "User account created successfully",
    "profileComplete": true,
    "user": {
        "username": "merchant-user",
        "email": "merchant@example.com",
        "role": "ADMIN"
    }
}

Quick start

Go from zero to your first API request.

Everything you need to integrate PayAssure is available through the developer portal.

Follow the quickstart

Create your account

Get access to your developer dashboard and sandbox environment.

Get your API credentials

Generate credentials and authenticate your application securely.

Make your first request

Use the API to initiate payments, settlements, and merchant operations.

Move to production

Complete onboarding and switch your integration to production.

Platform

Everything you need to move money.

Use PayAssure APIs as building blocks for your own products, platforms, and payment workflows.

Payments

Initiate and track payment requests through a unified API.

View documentation →02

Settlement

Move funds between merchants, suppliers, and connected businesses.

View documentation →03

Merchant APIs

Onboard and manage businesses programmatically.

View documentation →04

Webhooks

Receive reliable events when payment and settlement states change.

View documentation →

Built for developers

APIs that fit into your stack.

PayAssure keeps the integration surface simple. Authenticate once, make predictable API calls, receive events through webhooks, and reconcile transactions using stable references.

Predictable APIs

Clear resources, consistent responses, and meaningful errors.

Event-driven

Use webhooks to react to payment and settlement events.

Sandbox first

Build and test your integration without touching production funds.

curlAPI

curl http://localhost:3000/settlement/initiate-settlement \
                                      -X POST \
                                      -H "Authorization: Bearer $USER_ACCESS_TOKEN" \
                                      -H "x-settlement-session: $SETTLEMENT_SESSION" \
                                      -H "Content-Type: application/json" \
                                      -d '{
                                        "merchantTransactionReference": "TXN-20260910-000001",
                                        "totalAmount": 5000,
                                        "currency": "KES",
                                        "settlementMethod": "BANK_TRANSFER",
                                        "paymentMethod": { "type": "MPESA", "payerPhoneNumber": "254712345678" },
                                        "suppliers": [{ "supplierMerchantId": "pay_supplier_001", "supplierTotalAmount": 4500, "retailerTotalAmount": 400, "platformFee": 100 }]
                                      }'

Response

{
  "id": "stl_8f92a1",
  "status": "processing"
}

Security & compliance

Built on rails you can put a balance sheet on.

Encryption in transit and at rest

All API traffic runs over TLS 1.2+, and stored transaction data is encrypted at the field level.

Full audit trail

Every payment, settlement, and merchant action is logged and reconcilable against a stable reference.

Segregated funds handling

Settlement balances are held separately from operating accounts, in line with Kenyan payment service provider guidelines.

Start building

Build your payment integration today.

Explore the API, test your integration in the sandbox, and build with PayAssure.

Start building Explore docs