mpesa apis moringa
TRANSCRIPT
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Mobile Payment APIs
Africa’s Talking
+Why Mobile Payments
Advantages: Accessible (last mile) Secure Sensitized customers from P2P Experience
Disadvantages Transaction Fees Proprietary implementations for each provider increases
Time To Market No interoperability Agency model
+M-PESA APIs
Provide access to M-PESA broker system Before:
IPN Solution from SMSC Web-based hacks to crawl online platform
Now: SOAP-Based implementation C2B Online Checkout, C2B Pay-bill, B2C, B2B APIs
+C2B Pay-Bill
Receive payment verification and notification from Broker System
Replace IPN Notifications Allows payment confirmation by paybill owner before
settling payment User confirmation after navigating M-PESA Menu Reduce reversals
+C2B Paybill API
+C2B Online Checkout API
Speed up checkout process on M-PESA SOAP request to Broker generates USSD Push to mobile
user USSD Push request contains transaction details No need to navigate M-PESA menu, user enters Bonga
PIN to complete checkout NOT M-PESA PIN due to security reasons (at the
moment)
+C2B Online Checkout
+B2C API
Push M-PESA payments to mobile subscribers Allow for bulk payments from Pay-bill account
+B2C API
+B2B APIs
Move money between Paybill and Bank Accounts Direct connectivity to 10+ banks Easily move paybill funds to bank accounts and other
paybills Facilitate settlement and reconciliation
+B2B APIs
+M-PESA API Challenges
SOAP-Based Implementation XML-Heavy Proprietary Huawei Implementation
Layer of Indirection required to integrate with regular applications
Complicated on-boarding process VPN recommended for secure access to gateways Paybill acquisition process is lengthy
Support not accessible
+Africa’s Talking Advantage
Local experience building rich, robust, scalable APIs for SMS, USSD, Voice and Airtime
Use accessible technologies (GET/POST/JSON) to build SIMPLE APIs
Rich Dashboards Transaction logs that can be queried, searched and filtered Real-time Analytics Robust gateways
Extensive online documentation and support Strong focus on Developer Outreach Strong relationships with telcos
+Africa’s Talking Roadmap
Develop unified RESTFul wrappers for M-PESA APIs Develop Mobile SDKs Provide shared paybill for C2B APIs to speed up time to
market On-Board APIs onto our already mature API
infrastructure Unified implementation across Telcos (presence in
Kenya, Uganda, Rwanda, Nigeria and growing fast)
+Q&A