Payment verification & escrow

Verify payments.
Secure transactions.
Build trust.

ScanPay is a payment gateway and transaction platform. Process and verify payments, facilitate secure transactions, and reduce payment risk with verification and escrow solutions.

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Payment verification Escrow transactions M-Pesa STK Push
Interface preview

Transaction amount

KES24,500.00

Reference
SPV-8F2A41C9
Method
M-Pesa
Sender
A. Njoroge · 2547•• ••1042
Recipient
Kilimani Traders Ltd
Timestamp
14:32:07 EAT
Verification status Pending
Payment
initiated
Payment
verified
Transaction
confirmed
Payment verifiedSPV-8F2A41C9
Escrow releasedBuyer → Seller

Payment Verification

Confirm payment details before completing a transaction.

Escrow Solutions

Facilitate transactions between parties while reducing payment risk.

M-Pesa STK Push

Accept M-Pesa payments through websites, apps and business systems.

Billing Solutions

Automate billing for ISPs and utility services.

Built for transactions where trust matters.

Payment verification helps you confirm a payment before you release a product, a service, funds or access — so the decision to proceed is based on confirmed information, not a screenshot or a promise.

Payment verification

Check the details of a payment before the transaction is completed.

Transaction records

Every transaction carries a reference, a method, a status and a timestamp.

Verification history

Review what was verified, and when, from a single transaction view.

Payment verification and escrow solutions

One platform for payments and transaction confidence.

ScanPay is a payment gateway with additional infrastructure for verifying payments and facilitating transactions — so money moving and money being confirmed live in the same place.

01 / Payment Verification

Confirm that a payment has actually been made before completing a transaction.

Instead of acting on a message, a screenshot or a claim, check the payment itself. ScanPay returns the amount, the reference, the method and the status, so you know what happened before you hand anything over.

  • Verify amount, reference and payment method
  • Clear verified, pending and failed states
  • Available through the dashboard or the API
Learn about payment verification
Verification result

Transaction amount

KES 24,500.00

Verified
Payment reference
SPV-8F2A41C9
Payment method
M-Pesa
Date & time
18 Aug 2026, 14:32:07
Verified by
ScanPay verification
02 / Escrow Solutions

Facilitate transactions where payment needs to be confirmed before it is completed.

When two parties do not yet have a reason to trust each other, ScanPay sits in the middle of the transaction. Payment is received and confirmed first, and the transaction proceeds on the agreed terms.

  • Payment received and confirmed before release
  • Both parties see the same transaction status
  • A transaction reference for every stage
Explore escrow
Escrow transaction
BuyerPays in
ScanPayConfirms
SellerReceives
Payment received
Done
Verified
Done
Transaction released
Awaiting confirmation
03 / Payment Gateway

Payment infrastructure for businesses that accept and process payments.

ScanPay remains a payment gateway. Take payments on your website, inside your application, or through the business systems your team already works in, with the transaction recorded in one place.

  • Websites, applications and business systems
  • Transaction references and payment status
Explore payment gateway
04 / Transaction Infrastructure

The layer that connects payments, verification, billing and workflows.

One API, one set of webhooks and one transaction record across payment collection, verification, escrow and recurring billing — so your systems are reading from the same source.

  • API and webhooks for transaction events
  • Shared transaction references across services
View solutions
How payment verification works

Verify a payment before you complete the transaction.

Four stages, from the moment money moves to the moment you can safely act on it.

Step 01

Payment made

A customer or a buyer makes a payment through the method you accept.

AmountKES 24,500.00
Step 02

Payment detected

ScanPay receives or checks the relevant payment information for that transaction.

ReferenceSPV-8F2A41C9
Step 03

Payment verified

The transaction details are confirmed and the status is updated.

Status Verified
Step 04

Transaction completed

You release the product, service, access or funds, and proceed with confidence.

ResultOrder released
Escrow solutions

Reduce risk when two parties need to transact.

A buyer wants to know the seller will deliver. A seller wants to know the payment is real. ScanPay facilitates the transaction between them: the payment is received and confirmed first, and the transaction proceeds on the terms both sides agreed.

  • Facilitate transactions with greater payment visibility and confidence
  • Both parties follow the same transaction status
  • A shared reference for every stage of the transaction
Explore escrow solutions See use cases
Interface preview
BuyerSends payment
ScanPayVerifies & holds
SellerTransaction proceeds
Stage 01Payment received Complete
Stage 02Verified Complete
Stage 03Transaction released Pending

Escrow terms, eligibility and settlement timelines depend on the transaction and are agreed with the ScanPay team before you go live.

M-Pesa integration

Accept M-Pesa payments directly from your website or app.

Integrate M-Pesa STK Push into your website, application or business system. Your customer receives a payment prompt on their phone, completes payment, and your system receives the confirmation.

Transaction fee

1%

A simple 1% fee on transactions processed through the M-Pesa integration. See pricing

Explore M-Pesa integration View integration options
STK Push flow
01Customer checkout
02STK Push sent
03M-Pesa payment
04Confirmation
05Business system
POST /v1/stk-push
// Prompt the customer to pay on their phone
await scanpay.stkPush({
  amount: 24500,
  phone: "2547XXXXXXXX",
  reference: "ORDER-4821",
  callback: "https://yourapp.co/webhooks/scanpay"
});

// Webhook payload once the payment settles
{ status: "verified", ref: "SPV-8F2A41C9" }
ISP billing solutions

Automate ISP billing and payments.

ScanPay supports internet service providers with billing and payment collection workflows — from generating the invoice to updating the customer account once the payment is verified.

01Customer
02Invoice
03Payment
04Verification
05Account update
Explore ISP billing
Billing — interface preview

Subscriber billing

  • A. NjorogeHome Fibre 20 Mbps KES 3,500Billed 01 Aug · Active Verified
  • Kilimani TradersBusiness 100 Mbps KES 18,000Billed 01 Aug · Active Pending
  • M. WanjiruHome Fibre 10 Mbps KES 2,500Billed 03 Aug · Active Processing
  • Riverside CafeBusiness 50 Mbps KES 9,000Billed 05 Aug · Suspended Failed
Utility billing solutions

Simplify utility billing and payment collection.

Electricity, water and gas billing on one interface, with the same payment verification behind each of them.

Electricity

Billing and payment workflows for electricity services, prepaid or postpaid.

Water

Billing and payment collection for water services and metered accounts.

Gas

Billing and payment workflows for gas services and refills.

Unified utility billing — interface preview
01Bill generated
02Customer notified
03Payment
04Verification
05Account updated
AccountServiceMeter / account no.Current billDue datePayment
Westlands Apt 4BElectricityEL-2290-4471KES 4,12020 Aug Verified
Westlands Apt 4BWaterWT-0087-3320KES 1,18020 Aug Pending
Karen House 12GasGS-5510-8804KES 2,65022 Aug Processing
Ngong Court B2ElectricityEL-2290-7719KES 3,94024 Aug Verified
Payment solutions for businesses

Built for businesses that move money and transactions.

Not every service applies to every audience. Talk to the ScanPay team to confirm what fits your setup.

Businesses

Accept and verify customer payments, and confirm what came in before you release goods or services.

GatewayVerification

Marketplaces

Facilitate transactions between buyers and sellers, with a shared view of the payment status.

EscrowVerification

Developers

Integrate payment and transaction functionality into applications with an API and webhooks.

APIWebhooksSTK Push

Service Providers

Manage payment and billing workflows for subscribers, from invoice through to account update.

ISP billingUtility billing

Individuals

Verify payments and facilitate transactions in situations where payment confidence matters.

VerificationEscrow

Not sure where you fit?

Tell us how your transactions work today and we will tell you which parts of ScanPay apply.

Talk to ScanPay
Developer integration

Connect ScanPay to your existing systems.

A single API for payment collection, verification, escrow and billing, with webhooks that tell your system when a transaction changes state. Every event carries a transaction reference you can trace.

REST API

Initiate payments, request verification, query transaction status.

Webhooks

Receive transaction events the moment a status changes.

View developer documentation Start integration
verify-payment.js 
// 1. Verify a payment before releasing the order
const tx = await scanpay.payments.verify({
  reference: "SPV-8F2A41C9"
});

if (tx.status === "verified") {
  await orders.release(tx.metadata.orderId);
}

// 2. Or listen for the transaction event
scanpay.webhooks.on("transaction.verified", (event) => {
  console.log(event.reference, event.amount, event.method);
  // -> SPV-8F2A41C9  24500  M-PESA
});
Endpoint

/v1/verify

Endpoint

/v1/stk-push

Endpoint

/v1/billing

Transaction dashboard

See every transaction, and where it stands.

Payment status, verification status and transaction references in one operational view.

scanpay — transactions Interface preview · sample data
Total transactions

0

Verified payments

0

Pending transactions

0

Failed transactions

0

Transaction volume · last 14 days

KES0

Live view
Recent transactions
ReferenceAmountMethodCounterpartyTimeStatus
SPV-8F2A41C9KES 24,500.00M-PesaKilimani Traders Ltd14:32 Verified
SPV-7B1D09A4KES 3,500.00M-PesaA. Njoroge14:26 Verified
SPE-3C90F72EKES 112,000.00EscrowRiverside Motors14:11 Processing
SPV-5A66C118KES 9,000.00M-PesaRiverside Cafe13:58 Pending
SPB-2E4471DAKES 18,000.00BillingWestlands Fibre Ltd13:40 Verified
SPV-9D02B85FKES 1,180.00M-PesaM. Wanjiru13:22 Failed
Transaction confidence

Know what happened before you move forward.

ScanPay is built to give you accurate information about a transaction. It does not remove every risk — it removes the guessing.

Payment verification

Confirm payment details — amount, reference, method and status — before you act on them.

Transaction records

Keep clear transaction references and status information you can look up later.

Risk reduction

Reduce uncertainty around payment-based transactions by acting on confirmed information.

Use cases

What this looks like in practice.

Online businesses

  • Customer pays online
  • ScanPay verifies the payment
  • Business processes the order

Marketplaces

  • Buyer pays into escrow
  • Transaction is verified
  • Seller transaction proceeds

Service providers

  • Customer pays the bill
  • Payment is confirmed
  • Service is activated

Digital platforms

  • App initiates the payment
  • ScanPay processes and verifies
  • Platform receives confirmation
Pricing

Simple transaction pricing.

You pay when a transaction goes through.

M-Pesa integration

1%

per transaction processed through the ScanPay M-Pesa integration.

  • M-Pesa STK Push on websites, apps and business systems
  • Transaction references and payment status included
  • Access to the transaction dashboard

Pricing for payment verification, escrow and billing solutions depends on the transaction type and volume. Contact ScanPay for a quote covering your setup.

View pricing M-Pesa details
Frequently asked questions

Questions about ScanPay.

ScanPay is a payment gateway and transaction platform. It helps businesses and individuals process payments, verify that payments have actually been made, facilitate transactions through escrow, and automate billing for internet service providers and utilities.

A customer makes a payment. ScanPay receives or checks the relevant payment information. The transaction details — amount, reference, method and status — are confirmed. Your business or system is then notified, so you can complete the transaction knowing the payment is real.

ScanPay escrow facilitates a transaction between two parties. The payment is received and confirmed through ScanPay before the agreed transaction proceeds, which gives both sides visibility of the payment status. Terms and eligibility are agreed with the ScanPay team before you go live.

Yes. Businesses can integrate M-Pesa STK Push into websites, applications, ERP, POS and other business systems. The customer receives a payment prompt on their phone and completes the payment directly, and your system receives the confirmation.

Yes. ScanPay is built as transaction infrastructure with an API and webhooks, so payment, verification and billing workflows can be connected to websites, mobile applications and internal business systems.

Yes. ScanPay supports internet service providers with billing and payment collection workflows, including invoicing, payment status tracking, and updating the customer account once a payment is verified.

Yes. ScanPay provides billing and payment collection workflows for electricity, water and gas services through a single utility billing interface, with the same payment verification behind each service.

Yes. That is what payment verification is for. It is designed to confirm payment details before you release a product, a service, access or funds, so you act on confirmed information rather than an unverified claim.

Businesses, marketplaces, developers, service providers and individuals. Which services apply depends on the service and your setup, so get in touch and the ScanPay team will confirm what fits your case.

Make every transaction easier to verify.

Use ScanPay to process payments, verify transactions, and build greater confidence into the way you do business.

Get Started Contact ScanPay