Overview
Welcome to the Pesa Voucher official documentation. This guide is the single source of truth for merchants integrating our float-based, dual-channel payment system optimized for Kenya and East Africa.
Pesa Voucher enables instant deposits (via M-Pesa STK Push or voucher redemption) and fast withdrawals (via M-Pesa B2C) — all powered by a prepaid float that eliminates settlement delays.
Pesa Voucher pre-funds a float (in USD or KES) with the merchant. This float is held by the merchant and used exclusively for real-time user redemptions.
| User Action | Transaction Type | Effect on Merchant Float | Example |
|---|---|---|---|
| Deposit (C2B) | M-Pesa STK or Voucher | Deduction | KES 1,000 deposit → Float ↓ by KES 1,000 |
| Withdrawal (B2C) | M-Pesa payout | Addition | KES 1,500 withdrawal → Float ↑ by KES 1,500 |
No per-transaction settlement — instant credit, zero delay.
- M-Pesa Direct: Real-time STK Push → instant credit
- Voucher Redemption: Pre-purchased code → instant credit
- M-Pesa B2C: Direct payout from float
- Internal Voucher Wallet: Credit to user’s Pesa Voucher account
| Feature | Details |
|---|---|
| RESTful APIs | Secure, JSON-based endpoints for all operations |
| Webhooks | Real-time deposit.success, withdrawal.success, float.low |
| Sandbox | Full simulation with test keys |
| Dashboard | Monitor float, transactions, API usage |
| Go-Live | Typically 3–5 days |
- Contact sales to get your merchant account
- Receive your credentials (Merchant ID, API Key, API Secret)
- Whitelist your server IP(s)
- Set your callback/webhook URL
- Test thoroughly in sandbox
- Go live!
Next Step: See Authentication to get started.