Tailored Business Solutions

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Swift Payment Service

Easy-to-use, seamless payment automation for online sellers, store owners, and developers. Integrate effortlessly with your bank or MPESA Paybill/Till for smooth payment management.

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Bulk SMS Service

LakeMarkets's Bulk SMS API lets you automate and send bulk messages to clients for just KES 1.8* per message, boosting communication and customer engagement.

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UpesiPap

Streamline business operations by automating inventory, sales, payments, invoicing, and Mobile POS across M-Pesa, bank accounts, and digital wallets, saving time and increasing efficiency.

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iBiz

Get a professional website, online payments & shopping, and automated notifications via WhatsApp and Discord for your business with no upfront setup fees.

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Swift Disbursement Service

Instantly pay B2C and B2B suppliers, banks, and other businesses. Disburse funds to Safaricom M-Pesa numbers, M-Pesa Tills, M-Pesa Paybills, and bank accounts—all in one place. Automate bulk payouts, schedule disbursements in advance, and enjoy real-time tracking for every transaction. Includes built-in payroll and bills management for seamless business operations.

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Integration Options

REST API

Most Popular

JSON-based API with standard HTTP methods. Perfect for custom integrations and microservices.

POST /api/v1/payments/initiate

Webhooks

Real-time Events

Receive instant notifications for payment completions, failures, and settlements.

payment.completed, settlement.processed

SDK Libraries

Easy Setup

Official SDKs for Python, Node.js, PHP, and Java with built-in error handling.

pip install lakemarkets

Technical Specifications

Performance

  • API Response: <100ms (p95)
  • Webhook Delivery: <5 seconds
  • Batch Processing: 1,000 TPS

Security

  • TLS 1.3 encryption
  • HMAC-SHA256 request signing
  • OAuth 2.0 authentication

Compliance

  • PCI-DSS Level 1
  • CBK Regulated
  • GDPR Compliant

Rate Limits

  • Standard: 5,000 req/min
  • Enterprise: Custom
  • Burst: 100 req/sec

Enterprise Use Cases

Fintech Platforms

Power lending, insurance, and investment platforms with seamless payment collection and disbursement.

E-commerce

Integrate M-Pesa checkout, instant confirmations, and automated order fulfillment.

SaaS & Subscription

Collect recurring payments, manage billing cycles, and handle customer settlements.

Payment Aggregators

Build white-label payment solutions with multi-merchant support and dynamic routing.

Start Building Today

Get API keys in minutes and start processing payments immediately