M-Pesa Wallet

Temporarily unavailable

The M-Pesa wallet is paused for now and will be back soon. Your other payment tools (M-Pesa accounts, links, cards, Airtel) are unaffected.

Receive M-Pesa to your paybill + account number. Withdraw to any M-Pesa number (5% fee; minimum 10 KES).

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Wallet balance (KES)

Deposit details (share these)

Paybill –
Account no. –

Deposit via STK push

Phone

Amount (KES)

Request a withdrawal

Phone

Amount (KES)

You receive 95% (5% fee). Requests are reviewed before payout; the amount is reserved from your wallet meanwhile. Requires a signed-in session (not an API key).

Identity verification …

National ID — front

National ID — back

KRA PIN

Registered phone

One-time check. Your documents are stored privately and only seen by our review team. You can keep receiving money while you wait.

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

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Sandbox API key

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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.

Callback URL