Lipa Na Bank (P2M)

Accept payments straight into your bank account, no till required.

Lipa Na Bank allows merchants to receive customer payments directly into their bank account, with instant confirmation and reconciliation.

It’s the fast, secure way for businesses to get paid.

Your customers will be able to pay from their mobile banking or USSD channels

Payments are confirmed and settled in real-time

Accept payments from any participating bank in the network

Automatic matching of payments to merchant accounts and invoices

The merchant’s bank: onboarding and managing the merchants that receive payments.

Onboard a new merchant so they can start receiving payments.

Update an existing merchant’s profile and settlement details.

Reactivate a merchant to resume accepting payments.

Temporarily suspend a merchant from accepting payments.

Permanently remove a merchant from the platform.

In-depth API reference for Lipa Na Bank (P2M) payments — request/response schemas and JSON/XML payload formats.

The merchant payment journey, from scanning a till or paybill to a completed purchase.

Pre-provisioned sandbox accounts and credentials for reproducing switch-level errors and edge cases.