diff --git a/internal/services/arifpay/service.go b/internal/services/arifpay/service.go
index a85e63b..56664b7 100644
--- a/internal/services/arifpay/service.go
+++ b/internal/services/arifpay/service.go
@@ -604,9 +604,9 @@ func (s *ArifpayService) InitiateDirectPayment(ctx context.Context, userID int64
 		directResp string
 	)
 
-	if req.PaymentMethod == domain.DirectPaymentTelebirrUSSD {
-		// TELEBIRR_USSD uses a direct proxy endpoint with full checkout payload.
-		sessionID, directResp, err = s.initiateTelebirrUSSDDirect(ctx, checkoutReq)
+	if req.PaymentMethod == domain.DirectPaymentTelebirrUSSD || req.PaymentMethod == domain.DirectPaymentMPesa {
+		// TELEBIRR_USSD and MPESA use direct proxy endpoints with full checkout payload.
+		sessionID, directResp, err = s.initiateFullPayloadDirectProxy(ctx, checkoutReq, req.PaymentMethod)
 	} else {
 		sessionID, err = s.createCheckoutSessionForDirect(ctx, checkoutReq)
 		if err == nil {
@@ -728,13 +728,26 @@ func (s *ArifpayService) createCheckoutSessionForDirect(ctx context.Context, che
 	return fmt.Sprintf("%v", data["sessionId"]), nil
 }
 
-func (s *ArifpayService) initiateTelebirrUSSDDirect(ctx context.Context, checkoutReq domain.CheckoutSessionRequest) (string, string, error) {
+func (s *ArifpayService) initiateFullPayloadDirectProxy(
+	ctx context.Context,
+	checkoutReq domain.CheckoutSessionRequest,
+	method domain.DirectPaymentMethod,
+) (string, string, error) {
 	payload, err := json.Marshal(checkoutReq)
 	if err != nil {
-		return "", "", fmt.Errorf("failed to marshal telebirr ussd request: %w", err)
+		return "", "", fmt.Errorf("failed to marshal direct proxy request: %w", err)
+	}
+
+	var endpoint string
+	switch method {
+	case domain.DirectPaymentTelebirrUSSD:
+		endpoint = fmt.Sprintf("%s/api/checkout/telebirr-ussd/transfer/direct", s.cfg.ARIFPAY.BaseURL)
+	case domain.DirectPaymentMPesa:
+		endpoint = fmt.Sprintf("%s/api/checkout/mpesa/transfer/direct", s.cfg.ARIFPAY.BaseURL)
+	default:
+		return "", "", fmt.Errorf("unsupported full-payload direct proxy method: %s", method)
 	}
 
-	endpoint := fmt.Sprintf("%s/api/checkout/telebirr-ussd/transfer/direct", s.cfg.ARIFPAY.BaseURL)
 	httpReq, err := http.NewRequestWithContext(ctx, http.MethodPost, endpoint, bytes.NewBuffer(payload))
 	if err != nil {
 		return "", "", err
@@ -744,7 +757,7 @@ func (s *ArifpayService) initiateTelebirrUSSDDirect(ctx context.Context, checkou
 
 	resp, err := s.httpClient.Do(httpReq)
 	if err != nil {
-		return "", "", fmt.Errorf("failed to call telebirr ussd direct API: %w", err)
+		return "", "", fmt.Errorf("failed to call direct proxy API: %w", err)
 	}
 	defer resp.Body.Close()
 
@@ -753,7 +766,7 @@ func (s *ArifpayService) initiateTelebirrUSSDDirect(ctx context.Context, checkou
 		return "", "", err
 	}
 	if resp.StatusCode != http.StatusOK {
-		return "", "", fmt.Errorf("telebirr ussd direct failed: %s", string(body))
+		return "", "", fmt.Errorf("direct proxy request failed: %s", string(body))
 	}
 
 	var result struct {
@@ -764,7 +777,7 @@ func (s *ArifpayService) initiateTelebirrUSSDDirect(ctx context.Context, checkou
 		} `json:"data"`
 	}
 	if err := json.Unmarshal(body, &result); err != nil {
-		return "", "", fmt.Errorf("invalid telebirr ussd response: %w", err)
+		return "", "", fmt.Errorf("invalid direct proxy response: %w", err)
 	}
 
 	sessionID := fmt.Sprintf("%v", result.Data.SessionID)