Resumen
IPSL / PesaLink is Kenya's interoperable network for instant transfers between the bank accounts of individuals and businesses. The operator is Integrated Payment Services Limited; with PesaLink, money reaches a recipient at another bank immediately rather than the next day.
How to use it
- via internet banking;
- via a bank's mobile app;
- via USSD — a short code on any phone, no internet needed.
More than 80 financial institutions are connected, so the sender and recipient can bank in different places.
Terms
- Limit: up to KES 999,999 per transfer.
- Availability: 24/7/365, including weekends and holidays.
Why it helps businesses
Account-to-account transfers suit paying supplier invoices, receiving large customer payments and making payouts when mobile money hits its limits. Many Kenyan payment gateways already offer PesaLink as a checkout option.
Licence
Integrated Payment Services Limited is listed in the Central Bank of Kenya's register as a payment services infrastructure operator; its first licence dates from 1 January 2020.
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