Ipay: M-Pesa Payment Integration for Vendors

Overview

Ipay is a cutting-edge Frappe application that enables vendors to integrate M-Pesa mobile money services into their business systems. It is designed to simplify payment collection, enhance transaction security, and provide a seamless experience for both vendors and customers.

Prerequisites

Mandatory Account Requirements

IMPORTANT: To use this application, you MUST:

• Have an active account with iPay Africa
• Obtain your unique Vendor ID and API Key from iPay
• Complete the merchant onboarding process on the iPay platform

Without an iPay account, this application cannot process mobile money transactions.

Key Features

• Seamless M-Pesa Payment Integration: Effortlessly connect your business system to M-Pesa, enabling a smooth and intuitive payment experience for your customers without additional technical complexity.
• Automatic STK Push to Customer's Mobile Phone: Instantly send a payment request directly to the customer's mobile device, minimizing errors and reducing the steps required to complete a transaction.
• Real-Time Payment Verification: Verify payments as they happen, ensuring immediate confirmation and reducing delays in processing.
• Secure Transaction Logging: Maintain a tamper-proof, detailed record of all payment transactions, including timestamps, amounts, and statuses, for compliance and auditing purposes.

Payment Workflow

1. Generate Unique Payment Session: Each transaction is assigned a unique session ID to prevent duplication and enhance traceability.
2. Trigger M-Pesa STK Push: Automatically prompt the customer to authorize the payment on their mobile device, ensuring quick and user-friendly transactions.
3. Verify Customer Payment: Real-time integration with M-Pesa ensures that payments are verified immediately upon completion.
4. Log Transaction Details: All transaction details, including the payer's information, amount, and time of payment, are securely logged in your system.
5. Send Payment Confirmation: Notify customers and other relevant parties with a confirmation message once the payment is successfully processed.

Requirements

• Active iPay Africa Account: Mandatory for all transactions
• Frappe Framework: Ensure your system is running on the Frappe framework for seamless integration.

Installation and Setup

1. Obtain iPay Account: Register at iPay Africa and complete merchant onboarding
2. Install the App: Use Bench CLI to install the Ipay app in your Frappe instance.
3. Configure Vendor Credentials: Set up your iPay merchant account details, including Vendor ID and API Key, in the app settings.
4. Set Callback URL: Define a callback URL to receive payment status updates and automate backend processes.
5. Start Using the App: Begin processing payments through the integrated interface.

Security and Compliance

Ipay is built with security at its core. It uses encryption protocols to protect sensitive data during transactions and ensures compliance with payment processing regulations.

License

This application is licensed under the MIT License, ensuring open access and flexibility for customization.

Contact

For support or inquiries, please reach out to:

Gatura Njenga
Email: [email protected]