CitaPay
Collect payments and pay out at scale
CitaPay is a payment aggregator. Collect through payment links, hosted checkout, invoices and subscriptions, then pay suppliers and staff out again, in bulk or on a schedule. Built for developers, with a versioned REST API, sandbox keys and signed webhooks.
Collect
Payment links
Six link types (standard, product, donation, fundraiser, event ticket and subscription signup) with built-in A/B testing and per-link funnel analytics.
Hosted checkout
Redirect customers to a CitaPay-hosted payment page. No card data or payment UI to build or maintain yourself.
Invoices
Create, send and track invoices with public pay pages, plus recurring invoice templates for customers you bill on a cycle.
Subscriptions & plans
Recurring billing with trials, pauses and past-due handling, and a public signup page for each plan.
Bills & B2B requests
Track payables with autopay, and send business-to-business payment requests that settle straight through.
Pay out
Wallet & settlement
Available and pending balances, wallet-to-wallet transfers, settlement, reconciliation and a full audit trail.
Bulk payouts
Pay many recipients in a single approved run: payroll, supplier runs and disbursements.
Scheduled payouts
Set payouts to run on a recurring schedule instead of triggering each one by hand.
Refunds
Return funds to customers directly, with no 72-hour cap and independent of the original collection.
Build
Versioned REST API
A documented /v1 API covering payments, checkout sessions, payouts, subscriptions and SMS.
Sandbox & live keys
Separate publishable and secret keys per environment. Sandbox traffic runs against Safaricom's real Daraja sandbox, not a mock.
Signed webhooks
Up to ten endpoints per merchant, HMAC-signed with secret rotation, wildcard event subscriptions, automatic retries and a delivery dashboard with manual retry.
Idempotency
Send an idempotency key with a request and retry it safely. The same operation will never be applied twice.
API playground & simulator
Try endpoints and simulate sandbox payment scenarios from inside your dashboard before writing any code.
Operate
Customers, segments & SMS
A customer record with segmentation, plus SMS campaigns and transactional SMS with templates and opt-out handling.
KYC & compliance
Structured merchant onboarding with document submission, beneficial-owner capture, AML status and a reviewed approval workflow.
Reporting & exports
Ten report types exported asynchronously to Excel, CSV or PDF, with per-merchant audit logs.
CitaTech POS
A multi-store till with barcode scanning, variant-level stock, purchasing, staff shifts and reporting, plus an online storefront sharing the same stock.