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Welcome to Fingo Pay

Build reliable payment experiences with Fingo Pay’s unified payments API. Charge customers via STK Push (C2B), disburse funds to wallets (B2C), fetch balances, and reconcile transactions with webhooks.
Base URL: https://api.fingopay.io

Get Started

Authenticate requests, set idempotency, and make your first call.

API Reference

Interactive API docs for payments, payouts, balance, and transactions.

TypeScript SDK

Type-safe SDK for Node.js, Deno, and browser environments.

Webhooks

Receive real-time notifications for payment events.
Fingo Pay developer overview

Accept M‑Pesa payments and automate payouts

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Quickstart

Get up and running in three steps:
1

Install the SDK

Install the Fingo Pay TypeScript SDK:
npm add @fingoafrica/fingo-pay
2

Initialize the client

Set up the SDK with your API key:
import { FingoPay } from "@fingoafrica/fingo-pay";

const fingoPay = new FingoPay({
  bearerAuth: process.env.FINGO_API_KEY,
});
Get your API key from the Fingo Pay Dashboard.
3

Create your first charge

Initiate an M-Pesa STK Push payment:
const result = await fingoPay.payments.createMpesaCharge({
  body: {
    merchantTransactionId: "order_12345",
    amount: 150000, // KES 1,500.00 in cents
    phoneNumber: "+254712345678",
    narration: "Order #12345",
  },
});

console.log(result.data.transactionId);
// => "txn_01j7b6f9p5y9h"
The customer receives an STK Push prompt. Final status arrives via webhook.

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Or use the REST API directly

Prefer to call the API directly? Use cURL or any HTTP client: 
curl -X POST "https://api.fingopay.io/v1/mpesa/charge" \
  -H "Authorization: Bearer sk_test_***" \
  -H "Content-Type: application/json" \
  -d '{
    "phoneNumber": "+254712345678",
    "amount": 150000,
    "merchantTransactionId": "order_12345",
    "narration": "Order #12345"
  }'

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Core Features

Accept Payments

Accept payments with Fingo Pay

C2B STK Push

Collect payments via M-Pesa STK Push with real-time status updates.

Send Payouts

Fingo Pay developer API

B2C Disbursements

Disburse funds to M-Pesa wallets, tills, paybills, and bank accounts.

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Next Steps

Authentication

Learn about API keys and idempotency.

Webhooks

Handle payment notifications.

Error Handling

Understand error codes and responses.