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.
Kenswitch Limited
Kenswitch Limited is a Kenyan payment switching and processing network that connects issuers and acquirers. It carries POS, ATM, agent and internet…
Kopo Kopo
Kopo Kopo is a PSP and payment aggregator from Kenya that helps businesses accept payments via M-Pesa. The service's key tool is payment links: the seller…
Kora
Kora is a payment service provider for African markets that covers two tasks: collecting payments via payment links and making payouts. It operates in seven…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Mamlaka
Mamlaka is a Kenyan payment provider for collecting and sending payments. Merchants sign up through a self-onboarding portal, pass online KYC and integrate via…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Mukuru
Mukuru is a money transfer service focused on Africa and international corridors. Its page for senders in Malawi lists recipients in African countries, Asia…
Onafriq
Onafriq is payment infrastructure for cross-border transactions across Africa, built around a mobile money hub that the company says connects more than 500…
pawaPay
pawaPay brings African mobile-money wallets together under one API for collections, payouts and refunds. In most countries it works as an aggregator, while in…
PayAngel
PayAngel handles international transfers for individuals and business payments: collections, wallets and payouts. Money is sent from the UK, the US, Canada and…
Paykassma
Paykassma is a payment ecosystem and processing technology for local payment methods in Asia, Africa and Latin America, built for iGaming and betting. It was…
Paykit
Paykit is a Kenyan payment platform for merchant collections, bulk payouts, fundraising and reconciliation. The company is licensed by the Central Bank of…
Paystack
Paystack is a payment gateway and orchestrator for African businesses, founded in 2015 in Lagos and now part of Stripe. It handles online and in-person…
Peach Payments
Peach Payments is a payment orchestration and acquiring platform for businesses in Africa, founded in 2012 with its base in Cape Town and a presence in…
Pesaflow Limited
Pesaflow Limited is a Kenyan technology provider focused on payment collection and settlement, digitising government services and identity. The company…
Pesapal
Pesapal is a payment gateway, POS and acquiring provider for businesses in Kenya. It accepts payments online and in person, issues e-invoices, generates…
Pesawise
Pesawise is a payment provider and infrastructure platform for businesses in Kenya. It combines payment collection, virtual wallets, payment links, invoices…
Safaricom M-PESA
Safaricom M-PESA is a mobile money service in Kenya with dedicated tools for businesses. Companies collect payments from customers' mobile wallets through a…
Services 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.