Online Payments in Kenya - Top 5 Best Providers

August 26th, 2022 by Felix Cheruiyot


Kenya is contributing a lot to the global economy and is one of the fastest-growing economies in the world. The online community is largely responsible for this growth, with the number of Kenyan Internet users increasing to 21.7 million in the past few years. The internet penetration rate in the country is now approximately 45% of the entire population. This shows how much the country relies on the internet and how that, in turn, has led to the growth of online businesses. In this article, we will examine how online payment service providers in Kenya play a critical role in economic gains. We will compare some of our favorites and highlight some of their top features.

Online payments in Kenya are now a big deal. Big e-commerce companies know they can’t take payment solutions for granted, as this would cause them to lose customers. As online payments continue to gain more popularity, the debate of what the biggest online payment solution brands are continues to divide opinions among the populace of Kenya. PayPal, M-Pesa, and IntaSend are some of the biggest players in the market and are making all the difference. Here are some of the best options for financial services in Kenya for online businesses.


You can’t talk about the best payment providers in Kenya without mentioning IntaSend. IntaSend is Kenya’s most trusted online payment provider, and it offers digital wallets, mobile money transfers, and bill payments. You can use IntaSend to send money to your family and friends, create invoices, and receive payments from your clients with your preferred payment methods.

The company’s digital banking platform is incredibly robust - it offers services to thousands of people across Kenya. IntaSend’s financial platform is one of the most reliable in the region, and it has helped the company grow its business exponentially. The platform offers various online services, such as payment APIs, several payment methods to receive payments, and an invoicing system. It’s also one of the only digital bank platforms in Kenya to provide customers with 24/7 customer service, which is particularly important in a country as remote as Kenya.

Key features

Round-the-clock customer support

Adequate customer support is one of the most important aspects of any online payment provider, and it is one of the core values of IntaSend. They strive to provide their customers with the best possible experience, and the support team is available at any time to help you when you need it. Intaend's service is designed to provide you with the best possible experience possible. That is why there is a dedicated team to help you resolve any issues you may have with your IntaSend account as quickly as possible.

Instant and scheduled payouts

Once your payments have been cleared, they immediately appear on your dashboard, meaning you can withdraw them immediately. You can withdraw them instantly into your bank account or schedule for them to be paid into your bank account at a later date. This special feature puts you in total control of your funds on IntaSend. The scheduled payout feature is good if you’re trying to be responsible with your spending and only want the funds in your account when you need them.

Many ways to get paid

Over the years, we’ve come to realize that the best payment providers are the ones that offer multiple payment methods, so you’re not limited in options. Many years ago, we could only send or receive payments via debit and credit cards. These days, you can receive payments in different ways, including with cryptocurrency, which has gradually become one of the most popular options. IntaSend offers several payment methods, including payments through credit and debit cards, Bitcoin, mobile money, and ACH transfers. Even without CashApp support in Kenya, you can receive payments from clients whose only option is to pay through CashApp. IntaSend aggregates together different payment methods, including M-Pesa, Card Payments, Bank, Bitcoin, and ACH. Learn more about how to receive payments from CashApp without an account here.

Payment integration API

IntaSend offers SDKs and tools for developers to implement code and no-code payment integrations. IntaSend has made everything easier and only offers seamless options to integrate these tools on your preferred platform (website or mobile applications). These options include PHP SDK, WooCommerce and Shopify plugins, JavaScript SDK, and Python SDK, among many others.

Bonus: Learn more about IntaSend APIs for online payments in Kenya


A product of telecommunications giant Safaricom, M-Pesa is one of Africa's biggest mobile payment networks. M-Pesa offers arguably the best mobile payment services in Africa, extending to other African countries like South Africa and Zambia. It allows customers to transfer money to each other using their mobile phones. Customers can also make payments at physical stores that accept M-Pesa, and the network has become a vital part of the economy in countries like Kenya and Tanzania. The service is so integral to the economy. In Kenya, over 90% of mobile money transactions are routed through M-Pesa. The system has also expanded to other African countries and is now used by over 50 million people and 400,000 agents across seven countries.

Key features

Cross-border payments

One of the best features M-Pesa offers is its ability to process cross-border payments, which allows you to send payments internationally through its international remittance partners. For example, if you’re based in Kenya and want to send money to a loved one in Nigeria, M-Pesa will make this happen in minutes through its Western Union affiliation. This can save you time and money since you won’t have to go through the process of sending money through a traditional remittance service. You can find a list of international remittance partners on the M-Pesa website. The remittance partners offer varying services and currencies, so it’s worth browsing the list to find the one that works best for you.

Learn more about M-Pesa Global.

Bill and tax payments

You can handle bill and tax payments from the comfort of your home with an M-Pesa account as long as it’s funded with the right amount. And you can pay almost any bill or purchase with your M-Pesa number, such as a mobile phone bill, electricity bill, and so on. You can even use the money in your M-Pesa account to buy airtime for yourself or your loved ones, which is great when you want to stay in touch with people without using up your monthly minutes. You can also use M-Pesa to send money to other M-Pesa users and to pay your bills and other expenses. But as you can see, there are many ways to use M-Pesa.


Customers who perform big transactions on their M-Pesa account build a good credit score, allowing them to access loans through M-Pesa’s bank partners. With a good credit score, customers can build a credit history, which allows them to take out loans from other financial institutions and gain access to better services. This has led to more customers becoming financially literate and accumulating savings, increasing spending on the platform. Over time, the widespread use of M-Pesa has led to greater financial inclusion in Kenya and other African countries.


M-Pesa has an open API hub that allows developers to test and launch M-Pesa services on third-party platforms. The company has also released an API for developers to use in their apps and services.

Bonus: Learn more about IntaSend M-Pesa API vs Daraja API


PayU may not be as popular as the first two payment providers on this list. However, the brand’s success over the years shows just how important it is to the payment ecosystem in Kenya and the rest of the world. The company has expanded its reach across the globe and continues to grow at a rapid pace. Over the next several years, PayU plans to continue expanding in new markets and investing in R&D to stay competitive in the face of new competitors.

The company plans to grow its revenues at a CAGR of nearly 12% over the next five years and become a top three global payment provider by 2025. This will require a lot of hard work, but PayU has the potential to achieve these goals. Its wide range of products and services, including mobile money transfers and instant loans, has made it a key piece of the financial system. The company is now expanding its reach to other African countries, and its ubiquity will only help improve the financial system in the region.

Key features

Supports several currencies

PayU’s operations are not limited to Africa. The financial platform also operates in the Middle East and Eastern Europe, so it’s only normal to support several currencies. In fact, the company has even expanded its offerings to include more than 100 different currencies. This helps to ensure that customers in various markets have access to the right products and services at the right time. Having a global presence has allowed PayU to build an impressive network of partners and suppliers, enabling it to provide convenient, cost-effective customer service.

Unrivaled security

PayU transactions are safe and secure, so you should always be confident of safety whenever you’re carrying out a transaction. The company takes responsibility to protect your information, money, and card data seriously and employs various security measures to ensure its users' information is always well-protected. In addition, PayU uses the highest industry standards for encryption and other security measures to protect users' information from unauthorized access and maintain the security of sensitive data.

Centralized integration

PayU offers its centralized integration to merchants and buyers across the globe to process and receive payments online. Using the PayU API, developers can easily integrate their websites with the PayU payment platform to accept online payments. The PayU API allows developers to access the PayU platform’s payment services, such as real-time, offline, and digital currency payments. The PayU API also provides access to the PayU network of over 2.2 billion potential users. This access allows developers to build and launch new products quicker, reach a wider audience, and build a stronger brand.


Pesapal is another trusted online payment provider that offers reliable and safe services to its users in Kenya, Tanzania, Malawi, Uganda, Zambia, and Zimbabwe. Since its launch in 2009, the company has become a preferred payment solution for many users. Most users in these countries trust Pesapal because of its strong presence in the country and its proven ability to deliver on its promise of providing a secure, convenient payment solution. The company operates in Kenya, Tanzania, and Uganda, where it had just acquired a license to operate.

Pesapal claims it is the only company in Africa that offers consumer and point of sale applications and e-commerce on the same platform. This allows it to provide a single point of contact for all online and offline customer interactions. This also allows it to offer a wide range of payment methods, including those that avoid using banks, such as mobile money.

Key features

POS payments

Pesapal offers POS machines to business owners and consumers to easily receive payments from their customers. The company's goal is to make it easier for businesses to accept payments while still offering competitive rates and a secure experience for their customers.

Secure online payments for businesses

In addition to providing traditional point-of-sale (POS) terminals, Pesapal can provide a complete e-commerce experience for customers. With a single tap, consumers can pay for their items, receive rewards and get notifications on their mobile phones.

Bulk bill payments

From your Pesapal app, you can make bulk bill payments like paying utility bills, buying prepaid tokens, airtime, and many more. You can also make time-sensitive payments, like payroll, to keep your employees happy and working hard. You can even use Pesapal to do quick and easy banking, like transferring money between your bank account and your Pesapal wallet. The possibilities are endless.

Popote Pay

Popote Pay combines every good feature of other payment services and takes it further with a disbursement system that allows users to quickly make bulk payments to many people. It offers unprecedented flexibility, allowing users to pay similarly to friends, family, employees, and vendors. It's like having a personal bank without the need for branches and without the need to keep large amounts of cash on hand. Popote Pay is the way to go when you want to ensure that your money is going to the right person instead of being held up by slow bank transfers or held for days by other payment services. Popote Pay is the best way to move money faster.

Key features

Bulk payments

Popote Pay is a great option because it allows small and large businesses to make single and bulk payments to multiple recipients at once, whether locally or internationally. Popote Pay is a great option for businesses that want to send payments to their employees regularly or for businesses with a large clientele that want to send payments to their clients on a large scale. Popote Pay is a great option for businesses of all sizes, whether they are looking to send one payment or a thousand.


Popote Pay offers customers instant loans at profitable rates, making it an ideal choice. Popote Pay’s unique business model taps into peer-to-peer loans' most profitable funding source. This makes the platform a great choice for investors who are looking to earn higher returns.


The internet has significantly impacted the country's economy and society. The impact of the internet in Kenya is being felt in almost every aspect of life and has led to the growth of a strong startup ecosystem. The internet has also led to thousands of jobs, making the country one of Africa's largest recipients of foreign direct investment. This has allowed the country to achieve its goal of becoming an upper middle-income country by 2025.

According to the information provided by USA Business, the e-commerce market in Kenya has reached $3.5 billion and is expected to grow by 7% before the end of the current year. This growth has been fuelled by the increase in online shopping in the country. This indicates a CAGR of 24% over the next three years, much higher than the global average CAGR of 19% over the same period. This growth has been driven by the increased availability of internet access in the country.

The country is a major market for online shopping in East Africa. It has the highest growth rate in the region, providing opportunities for e-commerce companies to expand their regional operations. The government has also played an important role in the growth of the e-commerce market by providing a conducive environment for online shopping.

The growth of the e-commerce market in Kenya has led to the strong emergence of payment solutions in the country, as many brands have sought to please their customers with different payment options when they’re checking out. One of the most notable players in the market is PayPal, which has been one of the most popular payment solutions in Kenya for many years. This has led to alternative players in the space, such as M-Pesa, a mobile money transfer app popular in Kenya. M-Pesa has become one of the most used payment solutions in the country, with millions of users transacting using the app daily. This has positively impacted the e-commerce industry in Kenya, which had been struggling to grow until M-Pesa came on the scene.

Whether you’re a business owner or you’re just looking to cut down expenses on your online transactions, finding the right payment provider in Kenya should always be your priority. After all, paying for goods and services in the country is a hassle, and the last thing you want is to put your business at risk.

Interested in trying out IntaSend? Here are some of the FAQs and how to get started

Getting started on IntaSend is one of the easiest things you can think of. All you have to do is to sign up with your information (mostly email address, phone number, and preferred password), fill in a few details about your business, and confirm your registration from a confirmation email that must have been sent during the signup process.

It costs nothing to create an account with IntaSend, as registration is completely free. However, you will be charged for every transaction you perform via IntaSend, whether card payments, mobile money transactions, or ACH.

Identity verification is a high priority on IntaSend. After completing an individual verification step, depending on your account type, some of the required documents range from Business Registration to KRA Tax Certificates. Learn more about account verification and required documents here.

After creating an account, you need to submit your verification documents. Our compliance team will review and invite you for a live screening meeting. This process normally takes 1 business day.

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