> ## Documentation Index
> Fetch the complete documentation index at: https://flutterwaveinc.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# M-PESA

> Learn about Mobile Money support in Kenya.

<Info>
  We recommend checking out the [introductory
  section](/payment-api/introduction) to understand the basics of direct
  charge first. This guide assumes you've read that.
</Info>

If you're collecting money in `KES`, your customers can pay with M-PESA.

## The Process

This involves the following steps:

1. You call our API to create a charge and pass in the customer's mobile number.
2. Your customer completes the payment by authorizing it from their M-PESA app.

<img src="https://mintcdn.com/flutterwaveinc/8LJ4mpYLmd_SNb9Z/images/mpesa.png?fit=max&auto=format&n=8LJ4mpYLmd_SNb9Z&q=85&s=92520ba78c92117b96f8a33c5abacc4b" alt="mpesa" width="5760" height="13212" data-path="images/mpesa.png" />

## Initiating the Payment

First, you'll need a `phone_number`, the customer's M-PESA mobile number.

Combine that with the rest of the payment details to create the payload and send it to our [charge M-PESA endpoint](/api-reference/charges#m-pesa). You'll need to specify `amount`, `currency`, `email` and a unique `tx_ref`.

You can also specify more details, such as the customer's `fullname`, `phone_number`, and custom `meta` information. See the [endpoint documentation](/api-reference/charges#m-pesa) for details.

<CodeGroup>
  ```javascript Node.js theme={null}
  // Install with: npm i flutterwave-node-v3

  const Flutterwave = require('flutterwave-node-v3');
  const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);
  const payload = {
      phone_number: '25454709929220',
      amount: 1500,
      currency: 'KES',
      email: 'i@need.money',
      tx_ref: this.generateTransactionReference(),
  }
  flw.MobileMoney.mpesa(payload)
      .then(console.log)
      .catch(console.log);
  ```

  ```php PHP  theme={null}
  // Install with: composer require flutterwavedev/flutterwave-v3

  $flw = new \Flutterwave\Rave(getenv('FLW_SECRET_KEY'));
  // Set `PUBLIC_KEY` as an environment variable
  $mpesaService = new \Flutterwave\Mpesa();
  $payload = [
      "phone_number" => '25454709929220',
      "amount" => 1500,
      "currency" => 'KES',
      "email" => 'i@need.money',
      "tx_ref" => $this->generateTransactionReference(),
  ];
  $response = $mpesaService->mpesa($payload);
  print_r($response);
  ```

  ```ruby Ruby theme={null}
  # Install with: gem install flutterwave_sdk

  require 'flutterwave_sdk'

  flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"])
  charge = MobileMoney.new(flw)
  payload = {
      phone_number: '25454709929220',
      amount: 1500,
      currency: 'KES',
      email: 'i@need.money',
      tx_ref: generate_transaction_reference,
  }
  response = charge.initiate_charge payload
  print response
  ```

  ```json cURL theme={null}
  curl --request POST \
     --url https://api.flutterwave.com/v3/charges?type=mpesa \
     --header 'Authorization: Bearer YOUR_SECRET_KEY' \
     --header 'content-type: application/json' \
     --data '{
       "phone_number": "25454709929220",
       "amount": 1500,
       "currency": "KES",
       "email": "i@need.money",
       "tx_ref": "BJUYU399fcd43"
  }'
  ```
</CodeGroup>

## Handling the Response

You'll get a response that looks like this:

```json Success theme={null}
{
  "status": "success",
  "message": "Charge initiated",
  "data": {
    "id": 1191376,
    "tx_ref": "MC-15852113s09v5050e8",
    "flw_ref": "0379962762",
    "device_fingerprint": "62wd23423rq324323qew1",
    "amount": 1500,
    "charged_amount": 1500,
    "app_fee": 9,
    "merchant_fee": 0,
    "processor_response": "Successful",
    "auth_model": "LIPA_MPESA",
    "currency": "KES",
    "ip": "::ffff:10.45.236.21",
    "narration": "FLW-PBF MPESA Transaction ",
    "status": "pending",
    "auth_url": "N/A",
    "payment_type": "mpesa",
    "fraud_status": "ok",
    "charge_type": "normal",
    "created_at": "2020-03-27T15:46:37.000Z",
    "account_id": 74843,
    "customer": {
      "id": 349271,
      "phone_number": "25454709929220",
      "name": "Anonymous Customer",
      "email": "i@need.money",
      "created_at": "2020-03-27T15:46:13.000Z"
    }
  }
}
```

You'll notice that the `data.status` is `"pending"`, meaning the transaction is yet to be completed. The `data.auth_model` is `"LIPA_MPESA"`, which means the customer will authorize this via their M-PESA app. Typically, they will get a push notification from the app and complete the payment by entering their PIN.

## Completing the Payment

To complete the payment, the customer will authorize it via their M-PESA app.

<Note>
  **Testing Tip**

  In [Test Mode](/authentication), M-PESA payments will automatically be authorized after a few seconds.
</Note>

When the payment is completed, we'll send you a webhook notification. Here's what the payload looks like:

```json theme={null}
{
  "event": "charge.completed",
  "data": {
    "id": 1191376,
    "tx_ref": "MC-15852113s09v5050e8",
    "flw_ref": "0379962762",
    "device_fingerprint": "N/A",
    "amount": 1500,
    "currency": "KES",
    "charged_amount": 1500,
    "app_fee": 43.5,
    "merchant_fee": 0,
    "processor_response": "Successful",
    "auth_model": "LIPA_MPESA",
    "ip": "::ffff:10.45.226.51",
    "narration": "FLW-PBF MPESA Transaction ",
    "status": "successful",
    "payment_type": "mpesa",
    "created_at": "2020-03-27T15:46:37.000Z",
    "account_id": 74843,
    "meta": null,
    "customer": {
      "id": 349271,
      "phone_number": "25454709929220",
      "name": "Anonymous Customer",
      "email": "i@need.money",
      "created_at": "2020-03-27T15:46:13.000Z"
    }
  }
}
```

In your webhook handler, you can then verify the payment and credit your customers with whatever they paid for. See our guide to [transaction verification](/transaction-verification) for details.