Modern payments infrastructure.
Built for African rails & global clearing.
Embed unified African mobile money, international cards, and bank wires in minutes. A 2-line JavaScript drop-in modal, turnkey recurring billing with automated SMS warnings, HMAC-SHA256 signed webhooks, and multi-tenant developer sandbox isolation.
<!-- 1. Include the Jayb Checkout SDK -->
<script src="https://jayb.ke/widget.js"></script>
<!-- 2. Trigger checkout on user click -->
<script>
JaybCheckout.open({
sessionToken: "chk_live_901824_x9",
onSuccess: (data) => {
console.log("Payment completed:", data.reference);
window.location.href = "/order/success";
},
onCancel: () => console.log("Checkout dismissed")
});
</script>Drop-in checkout modal: Two lines of JavaScript to accept any rail
Eliminate weeks of frontend development. Our lightweight, zero-dependency widget provides an optimized, branded payment experience for mobile and web.
Zero Dependency • <18 KB
Zero React/Vue bloat. Plain JavaScript loaded asynchronously with fallback to redirect URLs for legacy browser environments.
Telco & Carrier Auto-Detection
The modal detects phone number prefixes (e.g. +254 7xx → Safaricom M-Pesa, +252 61 → Hormuud EVC+, +251 9 → Telebirr) and displays the native PIN prompt instructions.
Full CSS Brand Customization
Pass CSS variables (primary accent color, border radius, merchant logo) directly to match your application's brand identity seamlessly.
One clean REST API for 30+ countries, mobile money & bank wires
Stop writing custom code for every telco API and aggregator. Jayb standardizes payloads, authentication, and error codes across all African payment methods and global cards.
Initiate collections with one POST request
Send the customer's phone number or email and amount. Jayb resolves the carrier route, performs currency normalization, checks fee coverage toggles, and dispatches the prompt.
curl -X POST https://jayb.ke/api/v1/checkout/sessions \
-H "Authorization: Bearer jayb_live_sk_8910..." \
-H "Content-Type: application/json" \
-d '{
"amount": 5000.0,
"currency": "KES",
"reference": "INV-9028",
"customer_phone": "+254712345678",
"payment_method": "mpesa",
"cover_fees": true
}'Solve mobile money PIN failures with intelligent pre-charge SMS warnings
Unlike credit cards that charge invisibly, mobile money recurring subscriptions require the user to enter their PIN on their phone screen. Jayb's notification scheduler prevents surprise cancellations.
10-Minute Advance SMS Notice
Before dispatching the STK prompt, Jayb sends an automated SMS: "Hello {{name}}! Your monthly {{title}} renewal of KSh {{amount}} is scheduled in 10 minutes. Please enter your PIN when prompted."
Scheduled STK Prompt Dispatch
Prompts fire precisely when expected. The user's phone lights up ready for their 4-digit PIN with near-instant confirmation.
1-Click Token Recovery Links
If the payer's phone was offline or busy, Jayb dispatches a secure 1-click payment link: jayb.ke/checkout/recover/tok_89... allowing them to pay immediately without logging in.
Programmatic customer fee coverage engine
Decide how fees are absorbed dynamically per transaction or configured globally in your app portal settings.
Payer Chooses (+2.5%)
Presents a clear toggle checkbox in the checkout modal. Over 74% of donors and clients willingly cover transaction fees to ensure the merchant receives 100%.
fee_settings.mode = "optional"Always Added to Total
Automatically calculates and tacks on the exact platform processing fee to the base invoice total, completely protecting your merchant margin.
fee_settings.mode = "mandatory"Merchant Absorbs All Fees
Customers pay only the exact price shown on the page. Processing fees are seamlessly subtracted from your merchant balance upon settlement.
fee_settings.mode = "disabled"Real-time webhooks with HMAC-SHA256 replay protection
Never rely on untrusted client callbacks. Jayb delivers server-to-server webhook events signed cryptographically so your backend can safely unlock digital goods or reconcile orders.
HMAC-SHA256 Signature Header
Every webhook includes X-Jayb-Signature generated using your secret key. Verifies the event originated from Jayb without man-in-the-middle tampering.
Timestamp Replay Protection
Includes X-Jayb-Timestamp header. Prevents replay attacks by enforcing a strict 5-minute validation tolerance window on incoming payloads.
Exponential Backoff Retries
If your server returns anything other than HTTP 200, Jayb retries up to 10 times over 24 hours with exponential backoff and portal delivery logs.
Instant keys, isolated sandboxes & 1-click rotation
Everything you need to test, configure, and monitor live payment throughput is built into our multi-tenant Client Portal.
Instant Key Rotation
Rotate API keys and webhook secrets immediately from your developer portal if credentials are compromised.
KYC Document Verification
Upload Certificate of Incorporation, CR12, and Director IDs directly through a streamlined compliance pipeline.
Time-Filterable Analytics
Filter payment performance, fee absorption rates, and channel breakdowns by day, week, month, or YTD.
End-to-End Test Rails
Test complete payment lifecycles, webhook responses, and simulation prompts without spending real money.
Build on Jayb in under 10 minutes
Sign up for free, create your first client application, and start accepting payments with our drop-in SDK today.