Request is initiated from a USSD, Mobile app or any form of web request. All a user is required to do is provide their M-pesa PIN and voila, a C2B mpesa transaction is complete.

First generate your access token.

Set your request headers

Get your test credentials and parameter definitions.

Note: use code provided under Lipa Na Mpesa Online Shortcode for your shortcode.

Make a POST request to:

https://sandbox.safaricom.co.ke/mpesa/stkpush/v1/processrequest

with parameters:

{
    "BusinessShortCode": "Shortcode (6 digits)",
    "Password": "base64.encode(ShortcodePasskeyTimestamp)",
    "Timestamp": "yyyymmddhhiiss",
    "TransactionType": "CustomerPayBillOnline",
    "Amount": "10",
    "PartyA": "MSISDN (12 digits)",
    "PartyB": "Shortcode (6 digits)",
    "PhoneNumber": "MSISDN (12 digits)",
    "CallBackURL": "https://callbackurl",
    "AccountReference": "123456",
    "TransactionDesc": "Testing"
}

Sample request:

Check your phone asking you to provide M-Pesa PIN to complete transaction: