Built a complete M-Pesa STK Push and B2C payment system for a last-mile logistics platform, handling driver payouts, customer payments, and automated reconciliation.
The client was processing payments manually — drivers were paid via manual M-Pesa sends, customers paid via bank transfer, and reconciliation took a full day each month. The platform needed to automate the full payment cycle without disrupting 200+ active drivers.
We implemented the full Daraja API stack: STK Push for customer payments, B2C for driver disbursements, and a webhook-driven reconciliation engine. All transactions are logged with idempotent processing to handle the duplicate callbacks that Daraja occasionally sends in production.
The system handles peak loads of 300 transactions per hour without manual intervention. Reconciliation is automatic and auditable.
98% reduction in payment processing time. Reconciliation dropped from 8 hours to 12 minutes. Driver complaints about payment delays dropped to zero within the first month.