Daraja gives you endpoints. Pay gives you a payments system.

curl https://pay.noria.co.ke/v1/charges \
  -H "Authorization: Bearer $NORIA_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: invoice-1042" \
  -d '{
    "amount_minor": 250000,
    "currency": "KES",
    "channel": "mpesa",
    "payer_phone": "254712345678",
    "reference": "INV-1042",
    "description": "BillGrid invoice INV-1042"
  }'

const response = await fetch("https://pay.noria.co.ke/v1/charges", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.NORIA_API_KEY}`,
    "Content-Type": "application/json",
    "Idempotency-Key": "invoice-1042",
  },
  body: JSON.stringify({
    "amount_minor": 250000,
    "currency": "KES",
    "channel": "mpesa",
    "payer_phone": "254712345678",
    "reference": "INV-1042",
    "description": "BillGrid invoice INV-1042"
  }),
});
const result = await response.json();

import os
import requests

result = requests.post(
    "https://pay.noria.co.ke/v1/charges",
    headers={
        "Authorization": f"Bearer {os.environ['NORIA_API_KEY']}",
        "Idempotency-Key": "invoice-1042",
    },
    json={
        "amount_minor": 250000,
        "currency": "KES",
        "channel": "mpesa",
        "payer_phone": "254712345678",
        "reference": "INV-1042",
        "description": "BillGrid invoice INV-1042",
    },
    timeout=30,
).json()

<?php
$ch = curl_init('https://pay.noria.co.ke/v1/charges');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer ' . getenv('NORIA_API_KEY'),
        'Content-Type: application/json',
        'Idempotency-Key: invoice-1042',
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'amount_minor' => 250000,
        'currency' => 'KES',
        'channel' => 'mpesa',
        'payer_phone' => '254712345678',
        'reference' => 'INV-1042',
        'description' => 'BillGrid invoice INV-1042',
    ]),
]);
$result = json_decode(curl_exec($ch), true);

body, _ := json.Marshal(map[string]any{
	"amount_minor": 250000,
	"currency":     "KES",
	"channel":      "mpesa",
	"payer_phone":  "254712345678",
	"reference":    "INV-1042",
	"description":  "BillGrid invoice INV-1042",
})
req, _ := http.NewRequest("POST", "https://pay.noria.co.ke/v1/charges", bytes.NewReader(body))
req.Header.Set("Authorization", "Bearer "+os.Getenv("NORIA_API_KEY"))
req.Header.Set("Content-Type", "application/json")
req.Header.Set("Idempotency-Key", "invoice-1042")
res, err := http.DefaultClient.Do(req)

{
  "id": "0193a1d9-fcc3-7c3a-8d9d-838bd6273c4b",
  "type": "succeeded",
  "sequence": 3,
  "created_at": "2026-11-14T09:41:07Z",
  "data": {
    "transaction_id": "0193a1d9-e0a2-7b71-9f0e-2a6c5f1d8e40",
    "direction": "collection",
    "status": "succeeded",
    "provider": "daraja",
    "channel": "mpesa",
    "currency": "KES",
    "amount_minor": 250000,
    "settled_minor": 250000,
    "reference": "INV-1042",
    "provider_receipt": "TKE4X7Q2LM"
  }
}