FinAPI

One Unified API.
Zero Payment Downtime.

Connect PayHero, Makamesco, Hashback, Esspay, Swiftwallet, and direct till endpoints into a single sovereign payment switch. Sub-second cascading failover guarantees your customers never see a failed STK prompt.

< 380ms
Mean STK Dispatch Latency
99.98%
Failover Transaction Success
10+ Gateways
Integrated Out-of-the-Box
0 Manual Tills
Fully Automated Reconcile
Interoperable Ecosystem

Active Payment Gateways in the FinAPI Mesh

View all supported providers
Esspay Verified Rail
Hashback Verified Rail
PayHero Verified Rail
Makamesco Verified Rail
UpesiPay Verified Rail
TinyPesa Verified Rail
Swiftwallet Verified Rail
Paylor Verified Rail
ArchieTech Verified Rail
Megapay Verified Rail
Realtime Engine Telemetry

Autonomous Waterfall Failover

Watch what happens when Primary Gateway #1 suffers an upstream 504 Timeout: FinAPI silently intercepts the failure and cascades the transaction to Gateway #2 within 180 milliseconds with zero dropped requests.

Simulate Payment Dispatch

Trigger test webhook & fallback chain

Live Switch Ready
🇰🇪
KES
Quick Select:
Zero packet drop guarantee
Ingress: FinAPI Core Router
POST /stk/push
1
Makamescopay (Primary Rail)
Priority: 100 · Target SLA: 120ms
Standby
Circuit Breaker Standby
2
PayHero Switch (Automated Fallback)
Priority: 200 · Cascaded Latency: 140ms
Standby
Live Telemetry Terminal
Awaiting dispatch
[00:00.000] FinAPI core mesh listening on port :443
[00:00.000] Autonomous cascade ready (Threshold: 800ms)
09:41
M-Pesa SIM Toolkit Prompt

Do you want to pay KES 150 to FinAPI Merchant?

PIN Prompt
••••
Awaiting Trigger
Safaricom SIM Toolkit Emulation
Zero to Production in 3 Minutes

The Frictionless Integration Blueprint

No manual verification queues. No sales calls. Move from account registration to your first settled M-Pesa payment in 3 clear steps.

Step 01

Create Sovereign Account

Sign up in 30 seconds with email and password. Your default platform sandbox and webhook listener initialize immediately.

Zero credit card required
Instant platform container
Sign Up Free
Step 02

Retrieve API Bearer Key

Grab your platform Bearer token with full REST authorization. Lock origins by domain or keep open for server-side daemons.

sk_live_finapi_demo9981a
View API Key Vault
Step 03

Dispatch First Payment

Fire your first test payment using our in-browser Interactive Console or run 5 lines of cURL. Watch real-time callback verification.

Mean latency < 380ms
HMAC-SHA256 dual webhook
Launch Live Console
Standardized Interface

5 Lines of Code. Any Gateway.

Switch gateways at will with zero code rewrites. FinAPI standardizes requests, responses, and webhooks across all providers.

POST /stk/push
Swipe code horizontally
curl -X POST "https://finapi.e-ss.co.ke/stk/push" \
  -H "Authorization: Bearer sk_live_finapi_demo9981a" \
  -H "Content-Type: application/json" \
  -d '{
    "platform_id": 1,
    "phone": "254712345678",
    "amount": 150.00,
    "reference": "INV-88910",
    "auto_cascade": true
  }'
Engineered for Sovereign Scale

Architected for Flawless Reliability

Every layer of FinAPI is purpose-built to eliminate common fintech integration failures.

Cascading Gateway Waterfall

Configure priority orders for your payment channels. If Safaricom Daraja or your primary aggregator drops a packet, FinAPI falls over to your backup instantly.

Zero-drop guarantee

Celery + Redis Worker Fleet

Payment requests, webhooks, and retry sequences execute off the main HTTP thread. High-concurrency spikes never degrade dashboard or transaction throughput.

Distributed task queue

Dual-Delivery Cryptographic Webhooks

Receive normalized JSON payloads verified with HMAC-SHA256 signatures regardless of which gateway actually handled the settlement.

HMAC-SHA256 verified

Platform Isolation

Separate your multiple business units, e-commerce storefronts, and mobile applications with distinct callback URLs, till assignments, and revenue ledgers.

Multi-tenant partitioned

Hosted Checkout Modal

Don't want to build a payment UI? Drop our hosted checkout widget into any webpage with a single iframe or redirect link. Complete with real-time status polling.

Zero-code frontend

Unified Transaction Ledger

Search by checkout ID, customer phone number, or M-Pesa receipt code across every provider in one unified, real-time analytics portal.

Sub-second lookup
Instant Activation

Ready to eliminate failed transactions?

Deploy your first platform in under 2 minutes. Test in sandbox mode, verify your webhook receivers, and launch seamlessly into production.

Create Free Developer Account