M-Pesa Wallet

Receive M-Pesa into your wallet — from the API or paid offline. Share your paybill and account number; anyone who pays it credits your balance automatically. Withdraw to any M-Pesa number (an 8% fee is cut from the amount; minimum 10 KES).

–

Wallet balance (KES)

Deposit details (share these)

Paybill –
Account no. –

Deposit via STK push

Withdraw to M-Pesa

You receive 92% (8% fee). Withdrawals require a signed-in session (not an API key).

API keys (for integrating deposits)

Use your API key to credit this wallet from your own system — send it as the X-API-Key header on POST /api/wallet/deposit ({ phone, amount }).

Live API key

…

Sandbox API key

…

Wallet account number: … — customers can also pay the paybill with this number to top you up.

curl -X POST https://www.pay.cloud.or.ke/api/wallet/deposit \
  -H "X-API-Key: <LIVE_KEY>" -H "Content-Type: application/json" \
  -d '{"phone":"254712345678","amount":500}'

Wallet webhook (callback URL)

Get notified when a deposit or withdrawal completes. We sign each POST with the secret below (header X-CloudPay-Signature). See docs.