PaymentsA complete, ready-to-use online card payment system installed on your existing website. Your visitors enter their card details in a secure bank-branded checkout panel without ever leaving your site, the payment is processed securely through your bank on the Cybersource global payment network, and the money lands in your merchant account.
It works for donations, service payments, product sales, bookings — any situation where you want to be paid by card online.
Proven, not promised
This is the exact system we designed, built, deployed, and verified end-to-end for Ultimate Wings Kenya (www.ultimatewings.co.ke). The reference installation passed a live end-to-end test: checkout opened on the site, a test card was authorized by the bank network (approval code issued, card and address checks matched), and the donor landed on a branded success page with a real transaction reference — all in under a minute.
Two packages — which one is yours?
The right package depends on how your website is built. We confirm which applies during a free 10-minute look at your site before any work begins — the price you are quoted is the price you pay.
Package A — Plugin-Based Sites
One-time
- For WordPress, WooCommerce, Shopify, Wix or similar platforms
- Official payment plugin installed and configured
- Merchant account connected, checkout styled to your brand
- Standard hosted checkout experience
- Typical timeline: 1–2 working days once credentials are issued
Package B — Custom-Coded Sites
One-time · final quote confirmed free before work begins
- For hand-coded sites — React, Next.js, plain HTML/PHP, bespoke systems
- Bespoke integration directly against the bank's API
- Custom serverless payment services with cryptographically signed requests
- Server-side verification, custom success/failure pages
- Fully branded checkout embedded in your exact flow — donations, bookings, multi-step forms
- Typical timeline: 3–7 working days once credentials are issued
Key capabilities
Visa & Mastercard out of the box
With support for Google Pay and Apple Pay where enabled on your merchant account.
PCI-safe by design
Card numbers are entered into the bank's own secure fields and tokenized — your website never sees, stores, or transmits raw card data.
3-D Secure built in
The extra bank security layer (OTP/verification) runs automatically whenever the card issuer requires it.
Server-side verification
The success page is only shown after the bank confirms the authorization — eliminating fake "success" screens.
Kenyan-ready
KES currency, en_KE locale, phone and email capture for your records and reconciliation.
Test mode included
You and the bank can run unlimited test transactions — no real money moves — before going live.
Works alongside M-Pesa
Keeps your existing Paybill/Till options; card payments are added, nothing is removed.
How it works for your customer
- 1
Choose an amountSeconds
Visitor chooses an amount and clicks "Pay with Card".
- 2
Secure checkout opens~1 min
The bank-branded checkout panel opens right on your page; they enter their card details.
- 3
Bank authorizesSeconds
The bank network authenticates and authorizes the card; our server verifies the result.
- 4
Branded success pageInstant
Success page with a real transaction reference; funds settle to your merchant account.
Included in both packages
- Merchant account application guidance
- Full sandbox test with official test cards
- Written verification report with transaction references
- Production go-live switch
- Handover runbook
- 30 days of post-launch support
Pricing summary
| Item | Price |
|---|---|
| Package A — Plugin-Based Integration (WordPress / WooCommerce / platform sites) | KSh 15,000 one-time |
| Package B — Custom-Coded Integration (hand-coded sites) | KSh 25,000 – 35,000 one-time |
| Bank / Cybersource merchant account fees | Paid to the bank — we assist with the application at no extra charge |
| Hosting (Vercel or equivalent) | Free tier is sufficient for most charity/SME traffic |
Payment terms — both packages
65% on engagement to begin the build, 35% on demonstrated completion (a live test-mode transaction on your own website). You see it working before the final payment. Market context: comparable custom payment integrations in Kenya are typically quoted at KSh 20,000–50,000+ by established providers — our custom package starts at KSh 25,000 and includes the verification report and handover that others bill separately.
What we need from you to start
- Access to your website hosting or admin panel (or we set up a new one for you)
- Your bank's merchant credentials — test-mode first; the bank provides a simple key file and we guide you through it
- Your logo and brand colours, if the checkout pages should match your site
Ready to get Card Payment Integration?
Message us on WhatsApp and we'll scope it out for your business — most projects kick off within days.
