Kenya: M-Pesa P2C route for FTD and STD traffic

A provider has opened an M-Pesa in Kenya route for merchants with FTD and STD traffic. The connection runs on a P2C (person-to-company) model, payouts are automatic, and the merchant is settled in USDT on the same day.

Rates and limits

• pay-in — 5.5%, KES 25 to 150,000 per transaction;
• pay-out — 2.5%, KES 100 to 70,000;
• settlement — 4%;
• settlement — USDT, T+0.

What P2C on M-Pesa means

M-Pesa is Kenya's main payment tool. In a P2C setup the player typically pays not a private person but business details (paybill or till), so the payment goes through as a purchase from a company. Automatic payouts return winnings to the M-Pesa number without manual handling.

Onboarding conditions

The provider confirms availability, capacity and compliance for each merchant separately, so onboarding is not guaranteed in advance. Both first-time (FTD) and repeat (STD) deposit traffic fits.

The low KES 25 minimum makes the route convenient for a mass audience with small deposits. The offer was published in September 2026.