David Amunga ⚡️

building necessary software.

@screensaverso @calckenya

[David Amunga ⚡️ @davidamunga_]

"Deliver impactful value upfront , with the least effort for people , in the shortest time possible"

This applies in so many areas in life.

[David Amunga ⚡️ @davidamunga_]

@ndiritu_michael We did some evil things that day 😅

[Sospeter Mong'are @msnmongare]

Give me 5 minutes, and I'll explain what those 10 M-Pesa accounts in the Daraja Account Balance API actually mean.

Most developers only pay attention to a few of them and ignore the rest. Yet just 4 of these accounts are responsible for the core operations behind every successful Paybill setup:

API Usecase:
- Financial Reconciliation
- Automated Payment Systems
- Cash Flow Management
- Payroll Processing

Understanding these accounts will help you build more reliable M-Pesa integrations, track funds accurately, and avoid common mistakes when working with the Daraja Account Balance API.

👇👇

1/ UTILITY ACCOUNT

Your money inbox. Every customer payment (STK Push or Manual Payment to Paybill) lands HERE first.

Pro tip: Always check AVAILABLE balance before triggering B2C. Current ≠ Available.

Reserved funds = pending payouts already in queue.

2/ CHARGES PAID ACCOUNT

Always negative. Always.

This is Safaricom's running tab of what you owe in transaction fees.

If this isn't cleared → Safaricom BLOCKS your bank withdrawal. Full stop.

(It clears automatically during settlement , more on that in a sec)

3/ ORGANISATION SETTLEMENT ACCOUNT

The engine room. You won't see money sit here long.

When you trigger Revenue Settlement:
→ It clears your fee debt (Charges Paid)
→ Moves the net balance to your Working Account

Transit lane. Not a wallet.

4/ MMF / WORKING ACCOUNT

Withdrawal-ready funds live here.

Post-settlement, this is where your money sits before it hits your bank account.

Zero here = you can't withdraw. Check it before calling the bank.

5/ The full flow:

🔁 THE FLOW IN ONE LINE:

Customer pays → Utility Account → Settlement clears fees → Working Account → Your Bank/individual M-PESA account.

B2C bypass: Payouts draw DIRECTLY from Utility. No settlement needed. 🔑

---

Building on Safaricom Daraja? Follow for more M-Pesa and Payments integration

Got a Mpesa Daraja question? Drop it below 👇 I'll answer it.

[David Amunga ⚡️ @davidamunga_]

@AngelofVerdant always has been changing hehe ,

for the screensaver , end of june.

[David Amunga ⚡️ @davidamunga_]

@WarriorRapid i hope this helps lol

https://t.co/V71tCMLoq9

[Margelo @margelo_com]

We just released react-native-runtimes! 🥳
👉 Render React components on separate JS Runtimes
👉 Share state (Zustand) across Runtimes, synced in C++
👉 Dual-Thread-approach for rendering/business logic
We plugged this into MetaMask which made the app start substantially faster:

[David Amunga ⚡️ @davidamunga_]

living dangerously on expo v56

[David Amunga ⚡️ @davidamunga_]

@__ciox__ AI apps , even Elon raged about it back then

[David Amunga ⚡️ @davidamunga_]

App Store updates taking longer to be approved than registering a new Dev account is a sign of the times

[David Amunga ⚡️ @davidamunga_]

@vince_creatives Too much AI !

[David Amunga ⚡️ @davidamunga_]

best lock screen wallpaper ever !

[David Amunga ⚡️ @davidamunga_]

@josh_ryggs exploring a path with building some standalone agnostic devtools ,

its painful , but i'm sure i can standardize a working spec.

[David Amunga ⚡️ @davidamunga_]

i have a dreaded payments project in Q4 to connect 30+ merchants.

daraja mpesa exclusively with each currently on-prem 🫠

i wish safaricom mpesa had some "1st party" oss batteries (webhook log , tx ledger so I can stop lifting this everywhere I go from project to project )

[David Amunga ⚡️ @davidamunga_]

@WarriorRapid True, but there was a "reasonable" case for a friend back then :

some eastern european company legit only accepted invoices tagged with wakatime screenshots based on hours code on the project 😄 ,

they'd extend to confirm through the official leaderboard 💀

[David Amunga ⚡️ @davidamunga_]

@peduarte Thanks for these , Paired with videos and they’d be perfect !

[David Amunga ⚡️ @davidamunga_]

@rickbrewPDN Congrats Rick ! quite impressed with the turnaround time on such trademark infringement cases on domains.

[Technolojesus @VkBoit]

Assembling a PCB prototype at the our lab. 👍

We go from idea to final product here, a client comes with an idea of what they want built, can be as simple as a sketch then we handle the rest.

Such quick assemblies help validate the final iteration before mass production.

-VA

[David Amunga ⚡️ @davidamunga_]

@swagsonengine Yeah can do.

[David Amunga ⚡️ @davidamunga_]

so this evening , i ported kenya-locations to TS/Kotlin/Swift libs while maintaining the data sources as simple json files ,

built to cover any sort of informal location addressing in 🇰🇪 projects i've done so far.

more to come ✨

→ https://t.co/IXY3HSvoBT

[David Amunga ⚡️ @davidamunga_]

@_victorpreston It's not an easy role. Also don't like the situations where you're forced to step up as a Dev to that role.

A supporting capacity to anyone who makes product direction decisions.

But if you're drawn towards that , you can take up that role.

[David Amunga ⚡️ @davidamunga_]

good product managers are rare man.