The new M-PESA platform dubbed G2 (for M-PESA 2nd generation platform) offers versatile integration capabilities that our development partners can take advantage of, to create excellent M-PESA journeys across the different industries they serve. This was a key factor in moving to the new platform. We have been consolidating the different interfaces our developers have expressed interest in to enable innovation around M-PESA. As expected, most of these are about the payment journeys, covering both disbursements (Business to Customers – B2C) and service payments (Customer to Business – C2B and Business to Business – B2B). These and other features are now available via secure Application Programming Interfaces (APIs) that allow for third party applications to easily plug into M-PESA.
M-PESA has been very successful mainly because of its simplicity of use and device agnostic nature – works the same way for the latest iPhone as the good old Nokia phone that has been passed over several user generations. The API rides on the same concept, providing open interfaces over standard protocols through web services. Unlike the old system (G1) where a lot of workarounds had been done to automate payment experiences, developers can now hook directly to the core M-PESA and get creative with the systems they run.