Payment providers in Kenya
Payment providers in Kenya: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 71.
Business Expansion LLC
Business Expansion is a business infrastructure and international expansion partner helping iGaming, Web3 and FinTech businesses establish, structure and scale…
Brij
Brij is a platform for cross-border bill payments, money transfers and business payment acceptance. The company offers local collection and payouts in Nigeria…
Capitalist
Capitalist is a payment system operating since 2014. Its core use case is mass payouts via API: a business can send money to partners and contractors across…
Cashia
Cashia is a Kenyan platform for e-wallets, money transfers and payment acceptance. Businesses get an online checkout, payment links, QR codes and a…
Dahabshiil
Dahabshiil is an international money transfer service that works through a digital channel and an agent network. Recipients can get money in a bank account, a…
dLocal
dLocal is a Montevideo-based payment platform founded in 2016 and listed on NASDAQ (DLO). It gives international companies one API and one contract for…
Ereus PSP
The provider was founded in 2024. It offers P2P processing and crypto processing for betting, gambling, gaming and crypto projects, and settles with merchants…
Fingo Pay
Fingo Pay is a Kenyan payment infrastructure provider for collecting payments via M-Pesa and bank transfers, making payouts and holding multi-currency…
FlexPay Kenya
FlexPay is a Kenyan payment service built on the save-now-buy-later model. A merchant embeds it into their website or app, and the shopper pays in small…
Flutterwave
Flutterwave is a payments platform for acceptance, payouts and cross-border transactions with a strong footprint in Africa. It was founded in 2016 and is based…
Fondy
Fondy is a payment service provider founded in 2016. It accepts international card payments, serves marketplaces and can split payouts between several parties…
Hello Paisa
Hello Paisa is an international money transfer service from South Africa. Money can be sent through a mobile app, a USSD menu or an agent network, and the…
iPay Africa
iPay Africa provides a payment gateway, processing and billing for online stores, in-person sales and cash-on-delivery orders. The company names live…
IPSL / PesaLink
IPSL / PesaLink is Kenya's interoperable network for instant transfers between the bank accounts of individuals and businesses. The operator is Integrated…
JamboPay
JamboPay is payment infrastructure for businesses, government institutions and fintechs in East Africa. Through a single API the company covers payment…
Jeton Wallet
Jeton Wallet is a payment system with an e-wallet and virtual cards, founded in 2018. The service accepts top-ups from major card schemes and crypto wallets…
JuniPay
JuniPay is a payment provider from Ghana for accepting payments, processing international transfers and sending mass payouts to bank accounts and mobile…
Jupiter
Jupiter is a payment provider founded in 2024 that offers P2P transfers and crypto processing connected via API. The company openly works with betting and…
Upcoming events: Payment providers
All upcoming eventsServices in Kenya
Payment providers by country
Subsections
Payment service providers in Kenya
Kenya is the home of mobile money: M-Pesa is used by the vast majority of adults, and most online payments, salaries and betting deposits move through it. This page lists {count} payment gateways and payin payout providers working with Kenyan shillings (KES).
Local payment methods in Kenya
- Mobile money: M-Pesa (Paybill, Till/Buy Goods, STK Push prompts on the customer's phone) and Airtel Money.
- Bank transfers via PesaLink and RTGS for larger amounts.
- Cards for e-commerce and travel, mostly among higher-income users.
- QR and local APMs; crypto used in P2P markets.
Mass payouts and B2C
B2C disbursements to mobile wallets power betting withdrawals, loan disbursements, gig-worker pay and marketplace payouts. Compare per-transaction fees by amount band, API reliability, and float/prefunding requirements — see payouts.
Regulation
Payment service providers and e-money issuers are licensed by the Central Bank of Kenya (CBK). Betting operators are licensed by the Betting Control and Licensing Board and pay excise and withholding taxes, which affects margins on deposits and withdrawals. Digital lenders also need CBK licensing.
Betting, iGaming and high-risk
Sports betting is one of the largest online verticals in Kenya. Providers serving it need direct Paybill integrations, fast STK Push and reliable B2C payouts at peak times. Forex and crypto merchants should ask about source-of-funds checks and per-wallet limits. See high-risk merchants.
How to choose
- Direct Safaricom integration vs aggregated access
- STK Push success rate, callback speed, reversal handling
- Payout limits per transaction and per day
- Settlement in KES vs USD/USDT
Related: banks in Kenya, liquidity, teams in Kenya, Kenyan merchants, mobile money PSPs. Post a request.