Get paid faster.
Scale without limits.
Cyzora streamlines local transactions with low-latency M-Pesa API gateways, real-time ledger accounting, and revenue-based merchant financing. Built for enterprise scale.
KES 14.8M
99.84%
100.0%
| ID | Account | Channel | Amount |
|---|---|---|---|
| TXN-4902A | SokoFresh Produce | M-PESA C2B | KES 480,000.00 |
| TXN-4901K | JamboShop Retail | M-PESA STK | KES 124,500.00 |
| TXN-4900F | Munchify Deliveries | M-PESA B2C | KES 18,200.00 |
Why leading businesses
choose Cyzora over standard gateways.
We spent years analyzing transaction failures, webhook drop rates, and slow payout approvals. Here is how Cyzora solves the core challenges of payment operations.
100% Automated Reconciliation
Stop checking transaction text alerts manually. Cyzora matches M-Pesa transaction reference IDs, checkout amounts, and backend confirmation payloads automatically with no database sync delays.
KES 30 Flat Withdrawal Fee
Other platforms charge high percentages on settlements. Cyzora allows you to transfer ledger balances directly to your personal M-Pesa wallet or Paybill instantly for a flat KES 30 fee.
2.8s Average Processing Latency
Cyzora is engineered on high-throughput Go microservices. Transactions, user STK push alerts, and webhook notifications bypass network queue delays to complete in seconds.
WooCommerce & Shopify Keys
No developer required. Install our verified WooCommerce zip plugin directly from your WordPress dashboard, enter your client API credentials, and accept M-Pesa immediately.
Flexible credit products
repaid dynamically as you sell.
Lending should adapt to business cash flows. Cyzora provides merchant overdraft facilities and revenue-based growth financing directly connected to your M-Pesa incoming volume.
Dynamic Merchant Overdrafts
Qualify automatically for overdraft limits based on your past 90 days of transactions. Draw capital instantly to clear operations when cash balance dips.
Revenue-Based Financing
Repay stress-free. Cyzora deducts a small predefined slice (e.g. 10%) of daily incoming checkout sales. Repayment values scale with your daily revenue.
🛡️ CBK-regulated financing, backed by the same PCI-DSS Level 1 and ISO 27001 controls securing every transaction.
KES 2,000,000.00
Repayment automatically adjusts with incoming checkouts. Zero monthly penalties on slow sales periods.
Unified REST API.
Zero soap or XML parameters.
Safaricom Daraja requires complex SOAP integrations, manual key exchanges, and constant token lifecycle management. Cyzora maps M-Pesa checkouts directly to clean JSON endpoints.
- Signed HTTP headers verify caller integrity
- Node.js, Python, and PHP SDK packages
- Live sandbox environments activate in seconds
import { CyzoraClient } from '@cyzora/node';
const cyzora = new CyzoraClient({ apiKey: 'sec_key_live_8f0a21...' });
const charge = await cyzora.charges.create({
amount: 250000, // KES 2,500.00
phone: '254712345678',
reference: 'TXN-88021A',
callbackUrl: 'https://api.merchant.com/v1/callbacks'
});SokoFresh automates farmer settlements, eliminating manual reconciliation delays
SokoFresh routes distribution and logistics produce across Kenyan distribution paths. Reconciling client invoices, payment codes, and farmer mobile numbers was a severe manual ledger bottleneck.
By deploying Cyzora, SokoFresh swapped verification receipts for automated webhooks. Inbound sales trigger produce releases instantly, and farm payouts are routed directly with flat KES 30 fees.
"Cyzora gave us automated webhook flows. Payouts and validations complete programmatically, removing human confirmation delays."
Ready to scale payment operations?
Open a Cyzora profile in minutes. Link your credentials, run transaction tests in the sandbox, and transition to live routing securely.