Skip to content
Wycord
APIs

M-Pesa Daraja (Safaricom) vs MTN MoMo Open API

A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.

M-Pesa Daraja (Safaricom)MTN MoMo Open API
Category
APIs
APIs
Type
Mobile Money
Mobile Money
Country
🇰🇪 Kenya
🌍 Pan-African
Docs status
Docs broken
Docs live
Licensing
Approval required
Approval required
Pricing
Not listed
Not listed
Verified
Verified
Unverified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, mpesa, mobile-money, kenya, stk-push
remittance, pan-african, collections, mobile-money, disbursements
Links
Website Docs
Website Docs
Summary
Safaricom's official Daraja 3.0 developer portal exposing the M-Pesa APIs (STK Push/Lipa Na M-Pesa, C2B, B2C, B2B, transaction status, account balance) for Kenya, the largest mobile-money network in Africa. Requires a registered developer account with sandbox testing before live credentials.
MTN Mobile Money developer platform exposing Collections (Get Paid), Disbursements (Pay), Remittances and account APIs across MTN's African markets. Offers a self-service sandbox and documentation, with production access approved per country. MTN MoMo is one of the largest mobile money networks on the continent.

M-Pesa Daraja (Safaricom) vs MTN MoMo Open API at a glance

M-Pesa Daraja (Safaricom) and MTN MoMo Open API are both listed under Mobile Money in Wycord's APIs index.

M-Pesa Daraja (Safaricom) is based in Kenya and MTN MoMo Open API in Pan-African.

Documentation status differs: M-Pesa Daraja (Safaricom) is "Docs broken" and MTN MoMo Open API is "Docs live".

On access, both are marked "Approval required".

Over the last 30 days Wycord's probes measured 100% uptime for M-Pesa Daraja (Safaricom) (36 checks) and 100% for MTN MoMo Open API (36 checks).

Average response time on live probes was 1076 ms for M-Pesa Daraja (Safaricom) and 433 ms for MTN MoMo Open API.

Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.

How they differ

  • Documentation: M-Pesa Daraja (Safaricom), Docs broken; MTN MoMo Open API, Docs live.
  • Country: M-Pesa Daraja (Safaricom), Kenya; MTN MoMo Open API, Pan-African.
  • Verification: M-Pesa Daraja (Safaricom), Verified; MTN MoMo Open API, Unverified.
  • Average latency: M-Pesa Daraja (Safaricom), 1076 ms; MTN MoMo Open API, 433 ms.

Topics

Both are tagged: mobile-money.

Only M-Pesa Daraja (Safaricom): payments, mpesa, kenya, stk-push.

Only MTN MoMo Open API: remittance, pan-african, collections, disbursements.

Common questions

Which has better uptime, M-Pesa Daraja (Safaricom) or MTN MoMo Open API?
They are level at 100% over the last 30 days.
Do M-Pesa Daraja (Safaricom) or MTN MoMo Open API need approval before use?
Both are marked "Approval required".
Is the documentation for M-Pesa Daraja (Safaricom) and MTN MoMo Open API working?
M-Pesa Daraja (Safaricom) shows "Docs broken" and MTN MoMo Open API shows "Docs live" at the last check.
Where are M-Pesa Daraja (Safaricom) and MTN MoMo Open API based?
M-Pesa Daraja (Safaricom) is based in Kenya; MTN MoMo Open API is based in Pan-African.

More comparisons

Full details: M-Pesa Daraja (Safaricom)Full details: MTN MoMo Open API