Hi, I believe in giving credit where it is due, PesaPal with its sister product TicketSasa are a sign of the capacity this country has in terms of application development expertise. Safaricom might have invented but PesaPal is innovating, I used the ticketsasa service to handle registrations for a seminar and the flawless nature with which it has been handled is refreshing. Safaricom might want to use the service to handle their domain renewal service. So can developers out there stop lamenting about mpesa not having an API and just implement pesapal, the 3% charge per transaction is lower than the 4% that credit card companies charge establishments. Keep it up. Robert Yawe KAY System Technologies Ltd Phoenix House, 6th Floor P O Box 55806 Nairobi, 00200 Kenya Tel: +254722511225, +254202010696