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message-dollarMpesa Xpress and SMS Pay

End points for Mpesa Payment Confirmation and include payment details in the SMS.

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Mpesa Express

The Mpesa Express feature allows users to initiate an instant STK Push to collect payments from a specified phone number. Unlike SMS Pay, which sends a payment link, Mpesa Express directly prompts the payer to input their Mpesa PIN and complete the transaction.

Use Case:

  • Suitable when the user knows the payer’s phone number and amount to be paid.

  • Ideal for scenarios requiring fast, immediate payments through Mpesa.

Endpoint: Mpesa Express

POST /api/payment/mpesa/express

Request Body:

{
  "phoneNumber": "254712345678",    // Phone number of the payer  
  "amount": 500,                   // Amount to be paid  
  "transactionName": "Order123",   // Name of the transaction  
  "transactionId": "TXN12345",     // Unique transaction ID  
  "callbackUrl": "https://yourapp.com/callback", // URL for payment notification  
  "description": "Payment for Order #123"       // Optional description of the payment  
}

Workflow:

  1. The user provides the payer’s phone number and amount.

  2. Tuku Pay initiates an STK Push request directly to the payer’s Mpesa app.

  3. The payer receives a payment prompt on their phone and inputs their Mpesa PIN to authorize the transaction.

  4. Tuku Pay sends the payment status to the callbackUrl provided by the user.

Response:

  • 201 Created

  • 400 Bad Request If required fields like phoneNumber or amount are missing.

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SMS Pay

The SMS Pay feature allows users to send SMS messages with embedded payment links, providing multiple payment options to the recipient. This feature supports Mpesa, Visa/MasterCard, PayPal, and Mcoop Cash payments, making it versatile for different payer preferences.

Use Case:

  • Ideal for situations where the payer may not have Mpesa funds but can pay via card, PayPal, or Mcoop Cash.

  • Can be used for general purposes such as product payments, donations, or subscription fees.

Endpoint: SMS Pay

POST /api/sms/pay

Request Body:

Sample SMS

"Dear Customer, Pay Kes 500 via one of the below methods:

Amount: Ksh 5000 Powered by Tuku Pay and Coop Bank."

Workflow:

  1. Link Generation: Tuku Pay generates unique links for each payment method:

    • Mpesa Link: A URL for STK Push.

    • Online Checkout Link: Redirects to a hosted page for various payment methods.

    • Card Payment Link: A link for card payment through Visa/MasterCard.

    • Mcoop Cash Link: Prompts the payer to input their PIN in their Mcoop Cash app for Coop Bank users.

  2. The links are shortened and dynamically replaced in the SMS body at the {paymentLink} placeholder.

  3. The SMS is sent to the recipient(s).

  4. Payment notifications are sent to the callbackUrl.

  5. Transactions are recorded in the outbox with their statuses, timestamps, and costs.

Response:

  • 201 Created

  • 400 Bad Request If required fields like amount for Mpesa or callbackUrl are missing.

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Additional Notes for Developers

  1. Mpesa Express vs SMS Pay:

    • Use Mpesa Express for immediate, direct Mpesa payments where the phone number and amount are predetermined.

    • Use SMS Pay for flexible payments with multiple options, allowing payers to choose their preferred method.

  2. Custom Payment Links: For online checkout, you can pass additional metadata (like order details) in the callbackUrl to receive enriched notifications.

  3. Shortened URLs: Tuku Pay automatically shortens URLs for better readability in SMS messages.

  4. Mcoop Cash Integration: Coop Bank users can pay directly via their Mcoop Cash app. Ensure the payer has the app installed for this option to function.

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