Skip to content
Wycord
APIs

M-Pesa Daraja (Safaricom) vs PawaPay

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)PawaPay
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
https://pawapay.io/fees
Verified
Verified
Verified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, mpesa, mobile-money, kenya, stk-push
payments, pan-african, aggregator, payouts, mobile-money
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.
Mobile money aggregator offering a single REST API and dashboard to collect deposits, send payouts and process refunds across ~20 African countries, covering roughly 85% of mobile money on the continent. Asynchronous financial APIs with sandbox and live environments plus a Postman collection.

M-Pesa Daraja (Safaricom) vs PawaPay at a glance

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

M-Pesa Daraja (Safaricom) is based in Kenya and PawaPay in Pan-African.

Documentation status differs: M-Pesa Daraja (Safaricom) is "Docs broken" and PawaPay 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 PawaPay (36 checks).

Average response time on live probes was 1076 ms for M-Pesa Daraja (Safaricom) and 470 ms for PawaPay.

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; PawaPay, Docs live.
  • Pricing: M-Pesa Daraja (Safaricom), Not listed; PawaPay, https://pawapay.io/fees.
  • Country: M-Pesa Daraja (Safaricom), Kenya; PawaPay, Pan-African.
  • Average latency: M-Pesa Daraja (Safaricom), 1076 ms; PawaPay, 470 ms.

Topics

Both are tagged: payments, mobile-money.

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

Only PawaPay: pan-african, aggregator, payouts.

Common questions

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

More comparisons

Full details: M-Pesa Daraja (Safaricom)Full details: PawaPay