PCI-DSS Aligned · 3D Secure · Data Protection Act Compliant — Request Your Free Payment Audit or Book a Discovery Call

Get Paid Faster. Lose Fewer Sales.

Every abandoned checkout is lost revenue. Techhold Developers is Nairobi's leading payment integration agency — connecting M-Pesa, Stripe, PayPal, Flutterwave, Pesapal, and card payments into seamless, secure, conversion-optimized checkouts for Kenyan businesses.

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75+ Payment Integrations Delivered
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+45% Avg. Checkout Conversion
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PCI-DSS Aligned
✓
Instant Settlement
Online payment integration in Nairobi Kenya SECURE CHECKOUT 🔒 KES 45,000.00
Checkout — Payment Methods
📍 Kenyan & International Payments
M-PESA VISA MASTERCARD PAYPAL
TW
Techhold Payments
Payment Integration Agency
Pay Now
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+45% Conversions

Why Most Kenyan Businesses Lose Money at Checkout

Payment friction is silent revenue loss. Every extra step, failed transaction, and missing option costs you customers who were ready to pay.

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No M-Pesa Option

Over 90% of Kenyan online buyers prefer M-Pesa. Without it, they abandon checkout.

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No International Payments

International customers can't pay by card or PayPal — you lose export revenue.

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Failed Transactions

Poor integration causes timeouts, lost callbacks, and failed payments that never reconcile.

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No Reconciliation

Manual payment matching and M-Pesa statement reconciliation eats hours every week.

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Security Concerns

No SSL, insecure forms, and no PCI compliance erode trust and increase fraud risk.

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High Checkout Drop-off

Clunky forms, no guest checkout, and no mobile optimization kill conversions.

Our Payment Integration Services

Complete payment integration solutions for e-commerce, SaaS, subscriptions, donations, marketplaces, and enterprise billing across Kenya.

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M-Pesa Daraja API Integration

STK Push, C2B Paybill & Till, B2C payouts, and B2B transfers.

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Card Payment Integration

Visa, Mastercard, and American Express with 3D Secure.

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International Gateways

Stripe, PayPal, Flutterwave, Pesapal, DPO, and more.

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Subscription & Recurring Billing

Automated recurring payments with dunning and retries.

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E-Commerce Checkout Optimization

Frictionless, mobile-first checkout experiences that convert.

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Automated Reconciliation

Real-time payment matching, receipts, and finance dashboards.

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Security & PCI Compliance

Tokenization, 3D Secure, SSL, and fraud prevention.

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Multi-Currency Support

Accept KES, USD, EUR, GBP with automatic conversion.

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Payment Analytics & Reporting

Conversion tracking, decline analysis, and revenue reporting.

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Bank & Paybill Integration

Direct bank APIs, paybill numbers, and settlement automation.

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Event, Ticketing & Donations

Ticket sales, donation pages, and campaign payment flows.

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Maintenance & Monitoring

Uptime monitoring, failed payment alerts, and ongoing support.

Gateways We Integrate

Kenya's most popular payment gateways — plus international platforms for global reach.

Our Payment Integration Process

A structured, security-first process that gets your payments live — and converting — faster.

01 — DISCOVER

Discovery & Planning

Business model, payment methods, currencies, and compliance mapped.

02 — DESIGN

UX & Checkout Design

Frictionless checkout flow, payment method priority, and mobile UX.

03 — INTEGRATE

Integrate & Test

Gateway connections, sandbox testing, security audit, and reconciliation.

04 — LAUNCH

Launch & Monitor

Go-live, uptime monitoring, failed payment alerts, and post-launch CRO.

M-Pesa Integration That Works Every Time

M-Pesa is Kenya's payment backbone. We integrate Daraja API properly — with reliable callbacks, automated reconciliation, and admin dashboards that eliminate manual M-Pesa statement matching.

  • STK Push (Lipa na M-Pesa Online) for web & mobile
  • C2B Paybill and Till Number integration
  • B2C payouts for refunds, salaries, and disbursements
  • B2B transfers for supplier and partner payments
  • Automated receipts via SMS and email
  • Real-time reconciliation and finance dashboards
M-Pesa integration on Kenyan e-commerce website

Bank-Grade Security & Regulatory Compliance

Payment security is non-negotiable. We build integrations that protect your customers' data, meet regulatory requirements, and reduce fraud — without compromising on conversion.

  • PCI-DSS aligned architecture and tokenization
  • 3D Secure (3DS2) for card authentication
  • SSL encryption end-to-end
  • Fraud detection and velocity rules
  • Kenya Data Protection Act compliance
  • Audit trails and secure webhook handling
Secure payment integration for Kenyan businesses

Every Payment Integration We Deliver Includes

These are the non-negotiables we bake into every payment integration we ship.

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M-Pesa Ready

STK Push, C2B, B2C, and B2B Daraja API.

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Cards & Global

Visa, Mastercard, PayPal, Stripe, Flutterwave.

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Secure Checkout

PCI-DSS aligned, 3DS2, and tokenization.

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Recurring Billing

Subscriptions, retries, and dunning.

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Multi-Currency

KES, USD, EUR, GBP and more.

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Auto Reconciliation

Real-time payment matching and receipts.

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Analytics

Conversion, decline, and revenue tracking.

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99.9% Uptime

Reliable integrations with monitoring and alerts.

We Integrate Payments Into Every Platform

Whatever you sell — and however you sell it — we connect the right payment stack.

Payment Integration Deliverables

Every project produces production-ready outputs — not just a "payment button."

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Integration Strategy Document

Payment methods, currencies, gateways, and compliance mapped.

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Optimized Checkout UX

Frictionless, mobile-first checkout flow designed to convert.

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Live Gateway Integration

M-Pesa, Stripe, PayPal, Flutterwave, Pesapal, and more.

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Automated Receipts

SMS, email, and PDF receipts for every successful payment.

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Reconciliation Dashboard

Real-time payment matching, dispute tracking, and reports.

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Refund & Payout System

Automated refunds and B2C payouts via M-Pesa and gateways.

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Security Audit

PCI-DSS alignment, 3DS2, SSL, and fraud prevention setup.

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Payment Analytics Setup

GA4 e-commerce tracking, conversion, and decline analysis.

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Admin & Finance Training

Video and live training for your team.

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Uptime Monitoring

Real-time alerts for failed payments and gateway downtime.

Payment Integration Case Study

How a Nairobi e-commerce retailer increased checkout conversion by 68%.

E-commerce payment integration case study Nairobi

Nairobi E-Commerce Retailer

Problem: Only card payments, no M-Pesa option, clunky checkout with 5+ steps, manual reconciliation, and a 78% cart abandonment rate.

Solution: Full checkout redesign with M-Pesa STK Push, card payments, guest checkout, mobile-first UX, automated reconciliation dashboard, and payment analytics tracking.

+68%
Checkout Conversion
-40%
Cart Abandonment
-85%
Reconciliation Time
+120%
Mobile Revenue

What Our Clients Say

Real outcomes from Techhold Developers' payment integration projects.

★★★★★

"We were losing customers who wanted to pay by M-Pesa. Techhold integrated STK Push and card payments in two weeks — our checkout conversion is up 68% and reconciliation is now automatic."

Peter Kamau, Founder at Nairobi E-Commerce Retailer
Peter Kamau
Founder, Nairobi E-Commerce Retailer
★★★★★

"Our SACCO needed M-Pesa contributions and loan repayments online. Techhold integrated everything with a member portal — our admin workload dropped by half, and members finally pay on time."

Grace Mutindi, Operations Manager at Nairobi SACCO
Grace Mutindi
Operations Manager, Nairobi SACCO

Payment Integration FAQs

Answers to the questions we hear most from Kenyan businesses.

How much does payment integration cost in Nairobi?
Online payment integration in Nairobi typically ranges from KES 50,000 to KES 350,000+ depending on the number of gateways, subscription billing, multi-currency support, and complexity of the existing systems. Techhold Developers provides fixed-scope quotes after a free discovery call.
Can you integrate M-Pesa Daraja API into our website?
Yes. Techhold Developers integrates M-Pesa Daraja API including STK Push (Lipa na M-Pesa Online), C2B Paybill and Till Number, B2C payouts, and B2B transfers — with automated reconciliation, receipts, and admin dashboards.
Do you integrate Stripe, PayPal, and card payments?
Yes. We integrate Stripe, PayPal, Flutterwave, Pesapal, DPO, and direct card acquiring — with multi-currency support (KES, USD, EUR, GBP), 3D Secure, and PCI-compliant checkout flows.
Can you handle recurring subscriptions?
Yes. We build subscription and recurring billing systems with automated retries, dunning emails, plan upgrades/downgrades, and cancellation flows — integrated with Stripe, PayPal, and M-Pesa where possible.
Do you support multi-currency payments?
Yes. We integrate multi-currency payments in KES, USD, EUR, GBP, and other currencies — with automatic conversion, transparent pricing, and correct settlement to your account.
How do you ensure payment security?
We build payment integrations that are PCI-DSS aligned, with end-to-end SSL encryption, 3D Secure (3DS2), tokenization, fraud detection, and secure webhook handling. We also ensure compliance with Kenya's Data Protection Act.
Can you automate payment reconciliation?
Yes. We build automated reconciliation dashboards that match payments to orders, invoices, and members in real time — eliminating manual M-Pesa statement matching and reducing finance errors.
Can you migrate from one gateway to another?
Yes. We handle full payment gateway migrations — preserving historical transactions, customer payment methods (where possible), and subscription continuity with no downtime.
Do you provide ongoing payment support?
Yes. We offer monthly maintenance and monitoring covering uptime alerts, failed payment investigation, gateway updates, security patches, and CRO improvements. Plans are tailored to your transaction volume.
Do you work with businesses outside Nairobi?
Yes. We deliver payment integration services to businesses across Kenya — including Mombasa, Kisumu, Nakuru, Eldoret, Thika, and countrywide — and internationally. All work is delivered remotely with regular video reviews and shared project dashboards.

Get Your Free Payment Integration Audit

We'll review your current checkout — payment methods, conversion rate, security, reconciliation, and mobile UX — then deliver a prioritised action plan.

Request Free Audit →
Checkout UX review
Payment method coverage
Conversion rate analysis
Security & PCI review
Reconciliation workflow audit
Failed payment analysis
Competitor comparison
30-min strategy call

Payment Integration Services in Your City

Techhold Developers serves businesses throughout Kenya — remote-first, results-obsessed.

Ready to Get Paid Faster & Lose Fewer Sales?

Stop losing revenue to clunky checkouts and missing payment methods. Let's build a payment integration that converts, reconciles automatically, and scales with you.

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