Payment Gateways Overview
Learn how Nukta integrates with payment gateways to automate customer renewals, mobile money callbacks, and card settlements.
Automated payment processing
In modern ISP environments, automating customer renewals is essential for business scalability. Manually verifying mobile transaction SMS codes, reconciling bank deposits, or adjusting router speed limits creates customer downtime and unnecessary administrative overhead.
Nukta solves this with native, multi-gateway payment integrations. When a customer pays through your captive portal, self-service account, or an automated STK prompt:
Customer Device ----> Payment Gateway ----> Nukta Cloud Callback ----> Router Authorization
(Authorizes PIN) (Processes Funds) (Reconciles Ledger) (Restores Access)
- Instant Settlement Verification: The gateway processes the transaction and transmits an encrypted callback to Nukta.
- Automated Ledger Reconciliation: Nukta matches the payment reference to the customer account, marks the package purchase or invoice as Paid, and records the transaction in your immutable payment ledger.
- Sub-Second Access Restoration: Nukta instructs your MikroTik router to apply bandwidth speed limits immediately, restoring connectivity within seconds without team intervention.
Supported payment gateways
Nukta natively supports multiple payment gateways tailored for instant collection:
| Provider / Method | Type | Key Operational Strengths |
|---|---|---|
| Safaricom M-Pesa | Direct Daraja API | Full control using your ISP's dedicated Daraja developer app keys, consumer secret, and passkey. |
| Paybill (No API keys) | Safaricom M-Pesa Paybill | Instant STK push using Nukta's platform Daraja keys. Supports dedicated or SACCO shared paybills without developer onboarding. |
| Till Number (No API keys) | Safaricom Buy Goods Till | Instant STK push settling into your merchant till using Nukta's platform Daraja credentials. |
| Bank Account | Kenyan Bank Deposit | Instant M-Pesa STK push via official bank deposit paybill directly into your business bank account. |
| Kopo Kopo | Aggregator / STK Till | Automated M-Pesa STK prompts via Kopo Kopo's Incoming Payments API with bank payout settlement. |
| Paystack | Hosted Checkout | International Visa/Mastercard payments, multi-currency mobile money, and direct bank transfers across African markets. |
Configuring payment gateways
To connect or manage your payment integrations:
- In your Nukta dashboard, navigate to Settings → Payments.
- Select your desired payment gateway from the marketplace.
- Enter your account or API credentials.
- Click Save Settings to switch the gateway live. (Switching payment gateways may request a secure action OTP).
- Run a controlled test payment from your captive portal to verify that funds land in your account and the ledger updates automatically.
Explore payment gateway guides
- Gateway Credential Reference: Comprehensive reference of parameters, shortcodes, and webhook URLs across all gateways.
- Payment Troubleshooting: Diagnosing callback timeouts, STK push delays, and unallocated transactions.
- Safaricom M-Pesa (with API keys): Setting up your own Daraja developer keys, Paybills, and Till numbers.
- Paybill (without API keys): Collect payments via Safaricom Paybill using platform credentials.
- Till Number (without API keys): Collect payments into your Buy Goods Till using platform credentials.
- Bank Account: Collect M-Pesa payments directly into your business bank account.
- Kopo Kopo: Connecting Buy Goods STK tills and webhook callbacks.
- Paystack: Enabling international card and regional mobile money checkout.