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Mobile Payment APIs

Africa’s Talking

+Why Mobile Payments

Advantages: Accessible (last mile) Secure Sensitized customers from P2P Experience

Disadvantages Transaction Fees Proprietary implementations for each provider increases

Time To Market No interoperability Agency model

+M-PESA APIs

Provide access to M-PESA broker system Before:

IPN Solution from SMSC Web-based hacks to crawl online platform

Now: SOAP-Based implementation C2B Online Checkout, C2B Pay-bill, B2C, B2B APIs

+C2B Pay-Bill

Receive payment verification and notification from Broker System

Replace IPN Notifications Allows payment confirmation by paybill owner before

settling payment User confirmation after navigating M-PESA Menu Reduce reversals

+C2B Paybill API

+C2B Online Checkout API

Speed up checkout process on M-PESA SOAP request to Broker generates USSD Push to mobile

user USSD Push request contains transaction details No need to navigate M-PESA menu, user enters Bonga

PIN to complete checkout NOT M-PESA PIN due to security reasons (at the

moment)

+C2B Online Checkout

+B2C API

Push M-PESA payments to mobile subscribers Allow for bulk payments from Pay-bill account

+B2C API

+B2B APIs

Move money between Paybill and Bank Accounts Direct connectivity to 10+ banks Easily move paybill funds to bank accounts and other

paybills Facilitate settlement and reconciliation

+B2B APIs

+M-PESA API Challenges

SOAP-Based Implementation XML-Heavy Proprietary Huawei Implementation

Layer of Indirection required to integrate with regular applications

Complicated on-boarding process VPN recommended for secure access to gateways Paybill acquisition process is lengthy

Support not accessible

+Africa’s Talking Advantage

Local experience building rich, robust, scalable APIs for SMS, USSD, Voice and Airtime

Use accessible technologies (GET/POST/JSON) to build SIMPLE APIs

Rich Dashboards Transaction logs that can be queried, searched and filtered Real-time Analytics Robust gateways

Extensive online documentation and support Strong focus on Developer Outreach Strong relationships with telcos

+Africa’s Talking Roadmap

Develop unified RESTFul wrappers for M-PESA APIs Develop Mobile SDKs Provide shared paybill for C2B APIs to speed up time to

market On-Board APIs onto our already mature API

infrastructure Unified implementation across Telcos (presence in

Kenya, Uganda, Rwanda, Nigeria and growing fast)

+Q&A