My OneApp M-PESA and wallet Data API

Safaricom PLC · Payments

My OneApp is Safaricom PLC's Android super-app for Kenya, the successor front for the country's M-PESA wallet and GSM line on one home screen (Play package com.safaricom.mpesa.lifestyle). Subscribers send and receive Kenyan shillings, pay Lipa na M-PESA tills and paybills, settle saved bill accounts, draw Fuliza overdraft when the wallet is short, redeem Bonga loyalty points, park cash in Ziidi unit trusts, share Family Connect airtime with relatives, and read GSM airtime, data and M-PESA balances together. PIN, OTP and SIM header-enrichment sign-in sit beside biometric unlock. It is the default consumer client for Safaricom's M-PESA Kenya franchise, competing with Airtel Money Kenya, Equitel and standalone Fuliza-style credit apps for the same shilling wallets.

M-PESA ledger lines stamp each transfer with transID, money_in, money_out and runningBalance, while the home GSM snapshot hangs airtimeBalance, dataBalance and mpesaBalance next to usage counters (remaining, cumulative, units). Fuliza credit sits on overdraftBalance, useOdAmount, accessFee and interestRate; Bonga loyalty reports bongaPointsBalance and bongaPointsAccumulated; Ziidi money-market rows carry fundName, marketValue and dailyInterestPercentage.

Paybill confirmations resolve shortcode to publicName and customerType before debit, saved bills keep paybillNo, accountNo and dueDate, and Family Connect members expose sponsorBalance with per-line beneficiaryMsisdn and usageAmount. Treasury bots reconcile shilling cash books, household apps watch Fuliza Principal, and savings dashboards chart Ziidi next to the wallet. openData Studio turns those records into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Subscriber GSM and wallet balances

POST /v1/subscribers/me/balances openbanking

Loads the home snapshot of GSM airtimeBalance, creditLimit and dataBalance plus per-bundle usage counters (displayName, remaining, cumulative, units) that the airtime and share-data screens show next to mpesaBalance.

Auth: Bearer session token issued at sign-in. No PIN is required for the home balance read.

airtimeBalance
creditLimit
dataBalance
mpesaBalance
displayName
displayOrder
remaining
cumulative
status
type
units
balanceDetails
balanceCode
expiry

POST /v1/subscribers/me/balances HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "msisdn": "254712345678"
}

{
  "airtimeBalance": "125.50",
  "creditLimit": "0.00",
  "dataBalance": "2048",
  "mpesaBalance": "4320.00",
  "usage": [
    {
      "displayName": "Data",
      "displayOrder": 1,
      "remaining": "1536",
      "cumulative": "2048",
      "status": "ACTIVE",
      "type": "DATA",
      "units": "MB",
      "balanceDetails": [
        {
          "active": true,
          "remaining": "1536",
          "balanceCode": "DATA_MAIN",
          "expiry": "2026-11-01",
          "displayName": "Anytime data",
          "units": "MB"
        }
      ]
    }
  ]
}

M-PESA statement lines

POST /v1/wallet/statements/query openbanking

Returns M-PESA statement rows (transID, money_in, money_out, runningBalance, primaryParty, receiverParty) for a date range, feeding the in-app mini-statement and PDF export screens.

Auth: Bearer session token issued at sign-in.

startDate
endDate
accountRef
accountType
accountTypeID
currency
details
endTime
funds_type
id
money_in
money_out
transID
transactionFee
runningBalance
transactionType
transactionTypeID
reasonType
reversible
primaryParty
receiverParty

POST /v1/wallet/statements/query HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "startDate": "2026-10-01",
  "endDate": "2026-10-17"
}

{
  "result": {
    "statements": [
      {
        "id": "st-88921",
        "transID": "QJH7X2K9L0",
        "accountRef": "254712345678",
        "accountType": "MSISDN",
        "accountTypeID": "1",
        "currency": "KES",
        "details": "Send money to Jane",
        "endTime": "2026-10-17T08:41:12+03:00",
        "funds_type": "Pesa",
        "money_in": "0.00",
        "money_out": "500.00",
        "transactionFee": "7.00",
        "runningBalance": "4320.00",
        "transactionType": "SendMoney",
        "transactionTypeID": "SM",
        "reasonType": "P2P",
        "reasonTypeID": "12",
        "reversible": "Y",
        "primaryParty": {"id": "254712345678", "name": "JOHN DOE", "type": "MSISDN"},
        "receiverParty": {"id": "254798765432", "name": "JANE W.", "type": "MSISDN"}
      }
    ]
  }
}

Fuliza overdraft customer info

POST /v1/credit/overdraft/profile openfinance

Reads the Fuliza overdraft envelope (accessFee, useOdAmount, okoaAmount, interestRate, channelSessionId) and the overdraftBalance shown on the home and Fuliza screens; history rows carry Principal, Interest and AccessFee.

Auth: Bearer session token issued at sign-in. Called from both the home screen and the Fuliza management screen.

channelSessionId
accessFee
useOdAmount
okoaAmount
currency
interestRate
overdraftBalance
Currency
TransactionTime
BusinessScope
TransactionType
AccessFee
Principal
Interest
TransactionAmount

POST /v1/credit/overdraft/profile HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "header": {"msisdn": "254712345678"},
  "body": {}
}

{
  "channelSessionId": "ch-4412",
  "accessFee": "1.00",
  "useOdAmount": "350.00",
  "okoaAmount": "0.00",
  "currency": "KES",
  "interestRate": "1.083",
  "overdraftBalance": "2650.00",
  "entries": [
    {
      "Currency": "KES",
      "TransactionTime": "2026-10-16T19:02:11+03:00",
      "BusinessScope": "P2P",
      "TransactionType": "FULIZA",
      "AccessFee": "1.00",
      "Principal": "350.00",
      "Interest": "3.79",
      "TransactionAmount": "354.79"
    }
  ]
}

Shiriki send-money payment

POST /v1/transfers/send openbanking

Executes a Lipa / send-money transfer from originatorConversationID, amount, receiverParty and an encrypted pin, and returns transactionId, responseCode and responseDesc.

Auth: Bearer session token plus an RSA-encrypted PIN submitted from the send-money confirmation screen.

originatorConversationID
amount
remark
cardID
cardType
accountNumber
receiverParty
initiator
pin
transactionId
responseDesc
responseCode
responseType

POST /v1/transfers/send HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "originatorConversationID": "oc-9f21c0ab",
  "amount": "500",
  "remark": "rent",
  "cardID": "",
  "cardType": "MPESA",
  "accountNumber": "254798765432",
  "receiverParty": {"id": "254798765432", "type": "MSISDN"},
  "initiator": {"id": "254712345678", "type": "MSISDN"},
  "pin": "RSA-CIPHERTEXT"
}

{
  "transactionId": "QJH7X2K9L0",
  "responseDesc": "Success",
  "responseCode": "0",
  "responseType": 0
}

C2B Hakikisha paybill lookup

POST /v1/merchants/lookup osint

Resolves a Lipa na M-PESA shortcode plus accountNumber to publicName, shortCode, customerType and msisdn so the paybill / till confirmation screen can show the organisation before debit.

Auth: Bearer session token issued at sign-in.

shortcode
accountNumber
publicName
shortCode
customerType
msisdn
avatar
businessType

POST /v1/merchants/lookup HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "shortcode": "888888",
  "accountNumber": "INV-10482"
}

{
  "verifyNumberResp": {
    "publicName": "Nairobi Water",
    "shortCode": "888888",
    "customerType": "ORGANIZATION",
    "msisdn": "254700000000",
    "avatar": "https://cdn.example/org.png"
  },
  "businessType": "PAYBILL"
}

Bonga points accumulated history
POST /v1/loyalty/points/history opendata
Pulls a msisdn and date range into bongaPointsAccumulated, bongaPointsBalance and accumulationDate for the loyalty history screen.
Auth: Bearer session token issued at sign-in.
- msisdn
- startDate
- endDate
- bongaPointsAccumulated
- bongaPointsBalance
- accumulationDate
```
POST /v1/loyalty/points/history HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "msisdn": "254712345678",
  "startDate": "2026-01-01",
  "endDate": "2026-10-17"
}
```
```
{
  "bongaPointsAccumulated": "1250",
  "bongaPointsBalance": "880",
  "accumulationDate": "2026-10-17"
}
```

Ziidi unit-trust balance

POST /v1/investments/funds/holdings openfinance

Checks the Ziidi money-market holding through unitTrustFundDetails (investorNames, fundName, marketValue, contributions, balance, dailyInterestPercentage) keyed by clientIdentifier.

Auth: Bearer session token issued at sign-in. The same route also serves invest, opt-in, withdraw and auto-invest operations, selected by an operation key in the body.

serviceRequest
key
value
unitTrustFundDetails
clientIdentifier
isSuccess
message
responseCode
responseRefId
investorNames
fundShareClassCode
fundName
marketValue
contributions
balance
dailyInterestPercentage

POST /v1/investments/funds/holdings HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "serviceRequest": {
    "header": {"msisdn": "254712345678"},
    "body": {
      "data": [
        {"key": "operation", "value": "checkBalance"}
      ]
    }
  }
}

{
  "isSuccess": true,
  "message": "OK",
  "responseCode": 200,
  "responseRefId": "zi-44190",
  "clientIdentifier": "ZIIDI-254712345678",
  "unitTrustFundDetails": {
    "clientIdentifier": "ZIIDI-254712345678",
    "investorNames": "JOHN DOE",
    "fundShareClassCode": "MMF-A",
    "fundName": "Ziidi Money Market",
    "marketValue": 12500.0,
    "contributions": 12000.0,
    "balance": 12500.0,
    "dailyInterestPercentage": "0.032"
  }
}

Saved bill accounts

POST /v1/bills/accounts/list openbanking

Lists saved bill accounts (accountName, accountNo, amount, billId, dueDate, paybillNo, reminderDate) for the bill-manager dashboard; frequent payees reuse debitPartyName, debitPartyNo and frequency.

Auth: Bearer session token issued at sign-in.

bIllAccountsDto
accountName
accountNo
amount
billId
dueDate
imageUrl
msisdn
paybillNo
reminderDate
debitPartyName
debitPartyNo
frequency

POST /v1/bills/accounts/list HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "msisdn": "254712345678"
}

{
  "bIllAccountsDto": [
    {
      "billId": 4412,
      "accountName": "Nairobi Water",
      "accountNo": "NW-8821",
      "amount": "1850.00",
      "dueDate": "2026-10-31",
      "imageUrl": "https://cdn.example/water.png",
      "msisdn": "254712345678",
      "paybillNo": 888888,
      "reminderDate": "2026-10-28"
    }
  ],
  "header": {"responseCode": "0"}
}

M-PESA e-receipt generate

POST /v1/receipts/render openbanking

Turns a transaction reference (trxnID, accountRef, moneyIN, moneyOUT, participantName) into base64Data, the PDF the receipt screen renders.

Auth: Bearer session token issued at sign-in.

accountRef
creditDebit
moneyIN
moneyOUT
msisdn
name
participantName
participantNumber
trxnDate
trxnID
trxnType
trxnTypeName
base64Data

POST /v1/receipts/render HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "accountRef": "QJH7X2K9L0",
  "creditDebit": "DEBIT",
  "moneyIN": 0,
  "moneyOUT": 500,
  "msisdn": "254712345678",
  "name": "JOHN DOE",
  "participantName": "JANE W.",
  "participantNumber": "254798765432",
  "trxnDate": "2026-10-17T08:41:12+03:00",
  "trxnID": "QJH7X2K9L0",
  "trxnType": "SendMoney",
  "trxnTypeName": "Send Money"
}

{
  "base64Data": "JVBERi0xLjQKJeLjz9MKMSAwIG9iago8PC9UeXBlL0NhdGFsb2c+PgplbmRvYmoK"
}

Header-enrichment plain token
GET /v1/identity/session-token osint
Issues the short-lived plain token the login flow attaches so it can decrypt the SIM-header MSISDN without the subscriber typing the number.
Auth: HTTP Basic (app client credentials, Base64) plus a source-system header identifying the Android client. No user Bearer. The token is then used to decrypt the carrier-enriched MSISDN.
- token
- msisdn
```
GET /v1/identity/session-token HTTP/1.1
Authorization: Basic <base64-client-credentials>
X-Source-System: <android-client-id>
```
```
{
  "token": "pt_8f21c0ab",
  "msisdn": "254712345678"
}
```

Family Connect shared balance

POST /v1/family/shared-balance opendata

Reads a sponsor's shared airtime balance for a sponsorMsisdn: sponsorBalance, initialAmount, offerPrice, expirationDate and per-member beneficiaryMsisdn, beneficiaryNickname and usageAmount.

Auth: Bearer session token issued at sign-in.

sponsorMsisdn
sponsorBalance
initialAmount
offerPrice
expirationDate
beneficiaryBalances
beneficiaryMsisdn
beneficiaryNickname
amount
beneficiaryBalance
usageAmount
createdAt

POST /v1/family/shared-balance HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "sponsorMsisdn": "254712345678"
}

{
  "sponsorMsisdn": "254712345678",
  "sponsorBalance": 800.0,
  "initialAmount": 1000.0,
  "offerPrice": 1000,
  "expirationDate": "2026-11-01",
  "beneficiaryBalances": [
    {
      "beneficiaryMsisdn": "254711111111",
      "beneficiaryNickname": "Mama",
      "amount": 200.0,
      "beneficiaryBalance": 150.0,
      "usageAmount": 50.0,
      "createdAt": "2026-10-01T09:00:00+03:00"
    }
  ]
}

Where teams use this data

M-PESA ledger reconciliation
A bookkeeping bot stores each Statement row by transID, money_in, money_out and runningBalance, then matches receiverParty.id to saved paybill accountNo so Kenyan SMEs can close the daily shilling cash book without exporting a PDF.
Fuliza credit-line monitor
A household-finance product watches overdraftBalance, useOdAmount, accessFee and interestRate and alerts when a new TransactionEntryResp Principal appears after the wallet hits zero.
Paybill identity check
An accounts-payable tool looks up shortcode plus accountNumber and records publicName, customerType and businessType before staff confirm a Lipa na M-PESA debit, catching mistyped tills.
Ziidi holding snapshot
A savings dashboard pulls unitTrustFundDetails.marketValue, contributions, balance and dailyInterestPercentage by clientIdentifier so a family can chart Ziidi MMF growth next to the M-PESA runningBalance.

Frequently asked questions

What objects does the My OneApp client expose?

M-PESA statement rows (transID, money_in, money_out, runningBalance, primaryParty), home balance snapshots (airtimeBalance, dataBalance, mpesaBalance), Fuliza overdraft figures (overdraftBalance, useOdAmount, accessFee, interestRate), Bonga points, Ziidi unitTrustFundDetails, saved bill accounts with paybillNo and dueDate, Hakikisha publicName lookups, e-receipt base64Data and Family Connect sponsorBalance.

How does the app authenticate these calls?

SIM header enrichment first exchanges the app's client credentials for a short-lived plain token that recovers the MSISDN. Later wallet, statement, Fuliza and Ziidi calls send a Bearer session; send-money also attaches an RSA-encrypted PIN.

Is this a public Safaricom developer API?

No. These are first-party calls the Android super-app makes after login. The routes shown here are illustrative and describe the shape of the data, not a supported public M-PESA SDK.

Apps similar to My OneApp

Airtel Money — Airtel Money is Airtel Kenya's mobile-money wallet, used from *334# or the My Airtel app to send funds, pay merchants (including Lipa Na KCB) and move money to banks and other networks.
T-Kash — T-Kash is Telkom Kenya's mobile-money app and USSD wallet for sending funds to T-Kash, M-PESA and Airtel Money, paying bills and tills, buying airtime and cashing out at agents.
Equitel — Equitel is Finserve Africa's Kenyan MVNO, a wholly owned Equity Group subsidiary that rides on Airtel Kenya and delivers Equity banking and mobile-money services from one SIM.
Tala — Tala is a Central Bank of Kenya-licensed digital lender whose Kenya app disburses instant loans of up to KSh 50,000 straight to M-PESA.
Branch — Branch is a Kenya digital-finance app for smartphone loans, wallet transfers, bill payments and in-app savings, aimed at people who do not use a traditional bank branch.
KCB App — KCB Mobile Banking (the KCB App) is Kenya Commercial Bank's consumer app for paying utilities, buying airtime, sending money to KCB, other banks, M-PESA and Vooma wallets, and taking unsecured mobile loans.
NCBA NOW — NCBA NOW is NCBA Group's Kenya banking app for opening a current account, transferring to NCBA, other banks, M-PESA and Airtel Money, paying bills and taking instant mobile loans.

More Payments apps

Topics

My OneApp API
Safaricom M-PESA
Fuliza overdraft
Bonga points
Ziidi unit trust
Lipa na M-PESA
transID
runningBalance

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My OneApp M-PESA and wallet Data API

Screenshots

API surface

Subscriber GSM and wallet balances

M-PESA statement lines

Fuliza overdraft customer info

Shiriki send-money payment

C2B Hakikisha paybill lookup

Bonga points accumulated history

Ziidi unit-trust balance

Saved bill accounts

M-PESA e-receipt generate

Header-enrichment plain token

Family Connect shared balance

Data categories

Where teams use this data

M-PESA ledger reconciliation

Fuliza credit-line monitor

Paybill identity check

Ziidi holding snapshot

Frequently asked questions

Apps similar to My OneApp

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BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?

My OneApp M-PESA and wallet Data API

Screenshots

API surface

Subscriber GSM and wallet balances

M-PESA statement lines

Fuliza overdraft customer info

Shiriki send-money payment

C2B Hakikisha paybill lookup

Bonga points accumulated history

Ziidi unit-trust balance

Saved bill accounts

M-PESA e-receipt generate

Header-enrichment plain token

Family Connect shared balance

Data categories

Where teams use this data

M-PESA ledger reconciliation

Fuliza credit-line monitor

Paybill identity check

Ziidi holding snapshot

Frequently asked questions

Related apps

Apps similar to My OneApp

More Payments apps

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

Topics

Need this app's data API integrated?