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.
SasaPay
SasaPay is a Kenyan payment gateway and e-wallet for collecting, holding and paying out funds. It supports all the main payment flows and connects to the…
SeerBit
SeerBit is a payment provider and gateway operating in nine African countries. It covers online acceptance, in-store payments, recurring billing and embedded…
Simple.app
Simple.app is a payment provider founded in 2021. It combines crypto processing, mass payouts and P2P transfers, serving companies in crypto, e-commerce and…
Skrill
Skrill is a payment system that has been running since 2001. It combines an e-wallet, bank transfers, a mobile app and an API for businesses. Payment methods…
Sticpay
Sticpay is a payment system founded in 2017. It combines an e-wallet, acquiring for businesses and a mobile app, and supports both fiat and crypto assets…
Stitch
Stitch is a payment infrastructure provider and orchestrator for Africa, founded in 2019 in Cape Town. It specialises in Pay by Bank (instant EFT), PayShap…
Swapple
Swapple is a payment provider founded in 2024. It specialises in P2P transfers and crypto processing and works with projects in betting, gambling, binary…
Telkom Kenya / T-Kash
T-Kash is the mobile wallet of the operator Telkom Kenya. Users send money, pay bills and top up airtime with it. The wallet is available in a mobile app and…
TendePay
TendePay is a Kenyan platform for a company's outgoing and incoming payments. One dashboard brings together payroll and bulk disbursements, petty cash…
Trustee
Trustee is a payment provider operating since 2022. It combines P2P transfers, crypto processing and API integration and serves clients in Europe, Asia, the…
UniTeller Financial Services
UniTeller is a network for cross-border money transfers and business payments. The company handles pay-ins, sends payouts to recipients and operates through a…
Upesi Money Transfer
Upesi Money Transfer is a Kenyan international money transfer operator. It serves both individuals and businesses that need to send payments abroad. Corridors…
Wise
Wise is an international payments service whose business offering combines a multi-currency payment account, FX, international transfers and batch payouts. The…
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.