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Welcome to Fingo Pay

Build reliable payment experiences with a single API. Charge customers via STK Push, disburse funds to wallets, tills, paybills, and bank accounts, and reconcile everything with webhooks.
Base URL (all environments)
https://api.fingopay.io

Authentication

API keys, Bearer tokens, and idempotency.

API Reference

Interactive docs for every endpoint.

Webhooks

Real-time event notifications.

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Quickstart

Get up and running in three steps.
1

Set your API key

Get your key from the Fingo Pay Dashboard and export it.
export FINGO_API_KEY=sk_test_***
2

Create a charge

Initiate an M-Pesa STK Push payment.
curl -X POST "https://api.fingopay.io/v1/mpesa/charge" \
  -H "Authorization: Bearer $FINGO_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: 46ea80b4-5f6d-43b6-8d69-445d0f9cb33f" \
  -d '{
    "merchantTransactionId": "order_12345",
    "amount": 150000,
    "phoneNumber": "+254712345678",
    "narration": "Order #12345"
  }'
The customer receives an STK Push prompt. Final status arrives via webhook.
3

Handle webhooks

Subscribe your endpoint and process transaction.* events.

Webhook guide

Signature verification, retries, and idempotent handling.

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Code examples

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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Next steps

Environments

Sandbox vs production and how API keys control routing.

Error handling

Error types, codes, and response format.

Data conventions

Amounts, currencies, phone formats, and timestamps.

Enterprise guide

Dedicated shortcodes, sub-merchants, and advanced routing.