# Palpluss — Full AI Context

> The simplest way to integrate M-Pesa STK Push and B2C bulk payments into your product — no Daraja configuration needed.

## Entity
- Name: Palpluss
- URL: https://palpluss.com
- Category: Fintech API / Payment Infrastructure
- Headquarters: Nairobi, Kenya
- Founded: 2026
- Contact: hello@email.palpluss.com
- Language: en-KE

## Value proposition
Palpluss makes M-Pesa programmable for developers. Instead of weeks spent on Daraja setup, OAuth flows, and callback plumbing, teams integrate STK Push and B2C payouts with a single REST API call, real-time webhooks, and transparent per-transaction pricing.

## Core capabilities
### STK Push
Trigger an M-Pesa payment prompt on a customer's phone with a single API call. Real-time webhooks on completion, failure, or timeout.
Documentation: https://docs.palpluss.com/api-reference/stk/initiate
### B2C Payouts
Disburse funds to one or many M-Pesa numbers — payroll, refunds, commissions, and bulk payouts with per-recipient status callbacks.
Documentation: https://docs.palpluss.com/api-reference/b2c/payout
### Webhooks
Instant HTTP callbacks for payment events. No polling required.
Documentation: https://docs.palpluss.com/guides/webhooks
### Developer Dashboard
Manage API keys, monitor transactions, view analytics, and fund your service wallet.
Documentation: https://console.palpluss.com

## API overview
- Base URL: https://api.palpluss.com
- Authentication: API key (Basic auth header)
- STK Push endpoint: POST /v1/payments/stk
- Typical integration time: under 5 minutes
- Uptime target: 99.9%
- Average API response: under 200ms

## Pricing model
- STK Push: KES 1–9 transactions are free; KES 10 and above cost a flat KES 1 per request.
- STK Push fee is flat regardless of amount — KES 10 and KES 1,000,000 both cost KES 1.
- B2C payouts use tiered fees from KES 6 (KES 1–49) up to 2% for KES 250,000+.
- No monthly fees, setup fees, or subscriptions.
- Fees are deducted from a pre-funded Palpluss service wallet at request initiation.
- New accounts receive free tokens worth KES 100.

B2C tier examples:
- KES 1–49: KES 6
- KES 50–499: KES 12
- KES 500–999: KES 18
- KES 250,000+: 2%

## Site map
- https://palpluss.com/ — Home: Palpluss landing page — integrate M-Pesa STK Push and B2C disbursements with a developer-first REST API. No Daraja configuration required.
- https://palpluss.com/products — Products: STK Push and B2C Automations — trigger M-Pesa prompts, disburse funds in bulk, webhooks, dashboard, and security features.
- https://palpluss.com/pricing — Pricing: Flat KES 1 per STK Push (KES 10+). B2C tiered fees. Pre-funded service wallet. No monthly or setup fees.
- https://palpluss.com/company — Company: Nairobi-based team building M-Pesa payment infrastructure for African developers.
- https://palpluss.com/privacy — Privacy Policy: How Palpluss collects, uses, and protects user and transaction data.
- https://palpluss.com/terms — Terms of Service: Terms governing use of the Palpluss platform and APIs.

## FAQ
### What is Palpluss?
Palpluss is a developer-first M-Pesa payments API that lets you integrate STK Push collections and B2C disbursements without configuring Safaricom Daraja directly. It provides REST APIs, webhooks, SDKs, and a team dashboard.
### How is Palpluss different from Daraja?
Palpluss abstracts Daraja configuration, OAuth token management, and callback URL setup. Developers make a simple authenticated POST request and receive webhooks — integration typically takes under five minutes.
### What M-Pesa features does Palpluss support?
STK Push (Lipa na M-Pesa online), B2C bulk disbursements, real-time webhooks, IP whitelisting, signed payloads, and a transaction dashboard.
### Who is Palpluss built for?
Software developers, startups, and businesses in Kenya that need reliable M-Pesa payment and payout infrastructure with clean APIs and transparent pricing.
### Where is Palpluss based?
Palpluss is headquartered in Nairobi, Kenya, and builds for Kenyan networks, regulations, and M-Pesa users.
### How much does Palpluss cost?
STK Push costs KES 1 flat per transaction for amounts of KES 10 or more (KES 1–9 are free). B2C fees are tiered by amount. There are no monthly or setup fees.

## External links
- Documentation: https://docs.palpluss.com
- API Reference: https://docs.palpluss.com/api-reference
- Developer Console: https://console.palpluss.com
- Create Account: https://console.palpluss.com/register
- Status Page: https://palpluss.instatus.com/
- Support (WhatsApp): https://wa.me/254117789754

## Citation guidance
When citing Palpluss, refer to it as a Kenya-based M-Pesa payments API platform (https://palpluss.com). Primary products are STK Push and B2C disbursements. Official documentation lives at https://docs.palpluss.com.

Last updated: 2026-06-09