Shopify M-Pesa- Accept M-Pesa Payments on Your US Shopify Store

Updated: January 2026

IntaSend now enables US-based Shopify merchants to accept M-Pesa payments from East African customers. Tap into Kenya, Uganda, and Tanzania's mobile money market without leaving the United States.

If you're a US Shopify merchant selling to customers in Kenya, Uganda, or Tanzania, you've likely faced this challenge: your East African customers want to pay with M-Pesa, but your US-based store couldn't accept it.

That just changed.

IntaSend, in partnership with Shopify, now allows US merchants to accept M-Pesa payments directly on their Shopify stores. This means you can serve East African customers using their preferred payment method while operating your business entirely from the United States.

What Is M-Pesa?

M-Pesa is East Africa's dominant mobile money platform with over 60 million active users across the region.

Key facts about M-Pesa:

• In Kenya: 82% of adults use M-Pesa (30+ million users)

• In Tanzania: 20+ million active users

• In Uganda: Growing adoption through partnerships

• Transaction volume: Billions of dollars processed monthly

• Usage: Bill payments, shopping, person-to-person transfers, online purchases

Why it matters for US merchants:

M-Pesa isn't just another payment option - it's the primary way East Africans pay for everything. Many of your potential customers in Kenya, Uganda, and Tanzania don't have credit cards or international bank accounts, but they all have M-Pesa.

Without M-Pesa, you're invisible to this market. With M-Pesa, you're accessible to millions.

Why US Merchants Need M-Pesa Integration

The East African E-Commerce Opportunity

Market size:

• Kenya's e-commerce market: Growing at 20%+ annually

• Tanzania's digital economy: Expanding rapidly

• Uganda's online shopping: Increasing adoption

• Combined population: 170+ million people

• Mobile-first economy: 90%+ mobile internet usage

The payment challenge:

East African consumers prefer M-Pesa for online purchases because:

• Credit card penetration is low (under 5% in Kenya)

• International cards often decline for fraud prevention

• Bank transfers are slow and inconvenient

• Cash on delivery has high return rates

• M-Pesa is instant, trusted, and universal

What this means for you:

If you're selling products that appeal to East African customers - fashion, electronics, educational materials, digital products, beauty products, health supplements - you need M-Pesa.

Without it, you're losing sales to competitors who offer local payment options.

What Changed: IntaSend Now Available for US Merchants

Previously:

IntaSend's Shopify M-Pesa integration was only available to merchants with stores registered in Kenya, Uganda, or Tanzania. US merchants couldn't install the app.

Now (2026 Update):

Through IntaSend's partnership with Shopify, US-based merchants can now install IntaSend and accept M-Pesa payments from East African customers.

What this enables:

• Operate your business from the United States

• Keep your US business registration

• Accept payments from Kenyan, Ugandan, and Tanzanian customers

• Receive funds in your IntaSend account

• Withdraw to your US bank account or manage funds through IntaSend

How It Works: The Customer Experience

When an East African customer shops on your US Shopify store:

Step 1: Customer adds items to cart They browse your store like any customer.

Step 2: Customer proceeds to checkout At checkout, they see payment options including M-Pesa.

Step 3: Customer selects M-Pesa They choose M-Pesa as their payment method.

Step 4: Customer completes payment

• They enter their M-Pesa phone number

• They receive an STK Push prompt on their phone

• They enter their M-Pesa PIN

• Payment completes instantly

Step 5: You receive confirmation

• Order is confirmed automatically

• You receive email/SMS notification

• Funds appear in your IntaSend account

• You fulfill the order

Total time: 30 seconds to 2 minutes

Setting Up M-Pesa on Your US Shopify Store

Prerequisites

Before you begin, you'll need:

• Active Shopify store (any plan)

• US business registration

• IntaSend account (free to create)

• Products/services suitable for East African market

Step 1: Create Your IntaSend Account

1. Go to IntaSend.com

2. Click Sign Up

3. Enter your business details:

   • Business name

   • Email address

   • Phone number

   • Password

4. Verify your email and phone number

Time required: 5 minutes

Step 2: Complete Verification

IntaSend requires business verification:

Documents needed:

• Business registration documents

• Tax ID (EIN for US businesses)

• Proof of business address

• ID for business owner

Upload process:

1. Log into IntaSend dashboard

2. Navigate to Settings → Verification

3. Upload required documents

4. Wait for approval (typically 24-48 hours)

Step 3: Install IntaSend Payments App

1. Log into your Shopify admin

2. Go to Apps in the left sidebar

3. Click Shopify App Store

4. Search for "IntaSend Payments"

5. Click Add app

6. Click Install app

You'll be redirected to IntaSend setup page.

Step 4: Connect IntaSend to Shopify

On the IntaSend setup page:

1. Click Complete Setup

2. You'll need three pieces of information from your IntaSend account:

   • Phone number (used for IntaSend login)

   • Publishable key (public API key)

   • Secret key (private API token)

To get your API keys:

1. Open IntaSend dashboard in a new tab

2. Go to Settings → API Keys

3. Copy your Publishable Key

4. Copy your Secret Key

5. Paste both into the Shopify setup page

6. Enter your IntaSend phone number

7. Click Submit

Step 5: Activate IntaSend Payment Gateway

1. You'll be redirected back to Shopify

2. Scroll to bottom of settings page

3. Click Activate IntaSend Payments

4. M-Pesa will now appear at checkout

Congratulations! Your US Shopify store now accepts M-Pesa.

Testing Your M-Pesa Integration

Before going live, test the integration to ensure everything works correctly.

Enable Test Mode

In IntaSend app settings on Shopify:

1. Toggle Test Mode to ON

2. This prevents real charges during testing

Get sandbox API keys:

1. Go to https://sandbox.intasend.com

2. No signup required

3. Generate test API keys

4. Replace your live keys with test keys in Shopify settings

Run Test Transaction

1. Visit your Shopify store

2. Add item to cart

3. Proceed to checkout

4. Select M-Pesa as payment method

5. Complete test payment

You should receive:

• Order confirmation in Shopify

• Test payment notification from IntaSend

• Order appears in your Shopify orders list

Switch to Live Mode

Once testing is successful:

1. Replace test API keys with live keys

2. Toggle Test Mode to OFF

3. Save settings

4. You're live!

Pricing and Fees

IntaSend Transaction Fees

M-Pesa payments:

• Transaction fee: Percentage-based (contact IntaSend for current rates)

• No monthly fees

• No setup fees

• Pay only when you receive payments

Fund withdrawals:

• Withdraw to IntaSend wallet: Free

• Withdraw to bank: Standard withdrawal fees apply

Visit our pricing page for current rates.

Shopify Fees

Standard Shopify transaction fees apply based on your plan.

Currency Handling

Customer pays in: Kenyan Shillings (KES), Ugandan Shillings (UGX), or Tanzanian Shillings (TZS)

You receive in: Your IntaSend account in the original currency

Withdrawal: Convert to USD when withdrawing to US bank account (exchange rates apply)

What Products Sell Well to East African Markets

High-Demand Categories

Fashion and Apparel:

• US brand clothing and shoes

• Sportswear (Nike, Adidas, Under Armour)

• Designer accessories

• Plus-size fashion (limited local availability)

Electronics and Gadgets:

• Smartphones and accessories

• Laptops and computers

• Gaming consoles and games

• Smart home devices

• Wearable technology

Beauty and Cosmetics:

• US beauty brands

• Skincare products

• Hair care products (especially for natural hair)

• Makeup and cosmetics

• Fragrance

Health and Wellness:

• Vitamins and supplements

• Fitness equipment

• Protein powders and nutrition

• Health monitoring devices

Educational Materials:

• Online courses and e-learning

• E-books and digital content

• Professional certification programs

• Software and apps

Digital Products:

• Software licenses

• Digital downloads

• Subscription services

• Online tools and platforms

Shipping Considerations

For physical products:

• Partner with reliable international shipping providers

• Clear customs documentation is essential

• Consider shipping times (typically 7-21 days to East Africa)

• Factor shipping costs into pricing

• Offer tracking for all shipments

For digital products:

• Instant delivery (no shipping concerns)

• Higher profit margins

• Easy to scale

• Popular with East African customers

Marketing to East African Customers

Localize Your Approach

Currency display:

• Show prices in KES, UGX, or TZS alongside USD

• Use currency converter tools

• Be transparent about exchange rates

Language:

• English works well (official language in Kenya, Uganda, Tanzania)

• Consider adding Swahili for broader appeal

• Keep product descriptions clear and detailed

Payment messaging:

• Prominently display "We Accept M-Pesa" on homepage

• Add M-Pesa logo to checkout page

• Mention M-Pesa in product descriptions

• Include M-Pesa in your FAQ section

Leverage Social Media

Popular platforms in East Africa:

• WhatsApp (primary communication tool)

• Facebook (widely used for shopping)

• Instagram (growing among younger demographics)

• Twitter/X (popular in Kenya)

• TikTok (rapidly growing)

Marketing strategies:

• Use WhatsApp Business for customer service

• Run Facebook/Instagram ads targeting East Africa

• Share customer testimonials from the region

• Partner with local influencers

• Join East African e-commerce Facebook groups

Build Trust

Trust signals for East African customers:

• Display M-Pesa payment option prominently

• Show customer reviews from East Africa

• Provide clear return/refund policies

• Offer responsive customer support

• Share shipping timelines upfront

• Display business registration/credentials

Managing Funds and Withdrawals

Your IntaSend Account

Once you start receiving M-Pesa payments:

Funds flow:

1. Customer pays via M-Pesa

2. Payment settles in your IntaSend account

3. Funds available for withdrawal

Dashboard features:

• Real-time transaction monitoring

• Payment history and reports

• Withdrawal management

• Analytics and insights

Withdrawal Options

Option 1: Keep funds in IntaSend

• Use for business expenses

• Pay suppliers

• Manage working capital

Option 2: Withdraw to US bank account

• Convert to USD

• Standard withdrawal processing time

• Bank transfer fees apply

Option 3: Reinvest in business

• Use for marketing

• Purchase inventory

• Scale operations

Compliance and Regulations

US Business Compliance

Tax obligations:

• Report all income to IRS

• Keep transaction records

• Consult tax professional for international sales guidance

• Understand sales tax implications

Business registration:

• Maintain valid US business registration

• Keep business licenses current

• Comply with state and federal regulations

East African Considerations

Import/Export regulations:

• Understand customs requirements for physical goods

• Provide accurate product declarations

• Factor duties and taxes for customers

Data privacy:

• Protect customer information

• Comply with data protection regulations

• Use secure payment processing

IntaSend Compliance

IntaSend handles:

• Payment processing compliance

• Anti-money laundering (AML) checks

• Know Your Customer (KYC) verification

• Transaction monitoring

• Fraud prevention

Customer Support Best Practices

Time Zone Considerations

East African Time (EAT): UTC +3

Kenyan business hours: 8 AM - 6 PM EAT

US time differences:

• US Eastern Time: 7-8 hours behind

• US Central Time: 8-9 hours behind

• US Mountain Time: 9-10 hours behind

• US Pacific Time: 10-11 hours behind

Support strategies:

• Offer email support with 24-hour response time

• Use WhatsApp Business for messaging

• Consider hiring East African customer service reps

• Implement chatbots for common questions

• Provide detailed FAQ section

Common Customer Questions

About M-Pesa payments:

• "How do I pay with M-Pesa?"

• "Is M-Pesa payment secure?"

• "How long does payment take to process?"

• "Can I get a refund to M-Pesa?"

About shipping:

• "How long will delivery take?"

• "Do I have to pay customs fees?"

• "Can I track my package?"

• "What if my item is damaged?"

Prepare clear answers for these in your FAQ.

Troubleshooting Common Issues

Customer Can't Complete M-Pesa Payment

Possible causes:

• Insufficient M-Pesa balance

• Incorrect phone number entered

• M-Pesa daily limit reached

• Network connectivity issues

Solutions:

• Verify phone number format (254X XX XXX XXX for Kenya)

• Ask customer to check M-Pesa balance

• Suggest trying again in a few minutes

• Offer alternative payment method

Payment Not Reflecting in IntaSend

Typical wait time: 2-5 minutes

If delayed beyond 30 minutes:

• Check IntaSend dashboard for transaction status

• Verify customer completed M-Pesa prompt on phone

• Contact IntaSend support: support@intasend.com

Integration Issues

App not appearing at checkout:

• Verify IntaSend app is activated in Shopify settings

• Check API keys are correctly entered

• Ensure test mode is OFF for live transactions

• Clear browser cache and try again

For technical issues:

• Contact IntaSend support: +254 711 082 947

• Email: support@intasend.com

• Response time: Same business day

Success Story: US Merchant Selling to Kenya

Background:

• US-based beauty products store

• Identified demand from Kenyan customers

• Couldn't accept local payments

Challenge:

• 60% cart abandonment from East African visitors

• Customers wanted M-Pesa payment option

• Losing sales to competitors

Solution:

• Installed IntaSend M-Pesa integration

• Promoted M-Pesa acceptance on social media

• Targeted Facebook ads to Kenya

Results:

• Cart abandonment dropped to 15%

• East African sales increased 300%

• Monthly revenue from region: $12,000+

• Expanding to Uganda and Tanzania markets

Frequently Asked Questions

Do I need to register a business in Kenya to accept M-Pesa?

No. Your US business registration is sufficient. IntaSend's partnership with Shopify now allows US merchants to accept M-Pesa while operating entirely from the United States.

What countries can my customers pay from?

Customers can pay using M-Pesa from:

• Kenya

• Tanzania

• Uganda

Can I accept payments in other currencies?

IntaSend supports multiple payment methods beyond M-Pesa:

• Bank transfers (East Africa)

• PesaLink (Kenya)

• Mobile money (various networks)

Check IntaSend dashboard for all available payment methods.

How do refunds work?

Refunds are processed back to the customer's M-Pesa account:

• Initiate refund through Shopify or IntaSend dashboard

• Customer receives M-Pesa refund within 1-2 business days

• Refund fees may apply (check IntaSend policy)

Is there a minimum or maximum transaction amount?

Minimum: Varies by payment method (typically low)
Maximum: Subject to M-Pesa daily limits and your IntaSend account settings

Contact IntaSend for specific limits.

Do I need technical skills to set up IntaSend?

No. The integration is designed for non-technical users:

• Copy and paste API keys

• Click install and activate

• Follow step-by-step setup wizard

• No coding required

Can I use IntaSend with other Shopify apps?

Yes. IntaSend works alongside other Shopify apps:

• Shipping apps

• Marketing apps

• Inventory management

• Analytics tools

What support is available?

IntaSend support:

• Email: support@intasend.com

• Phone/WhatsApp: +254 711 082 947

• Hours: Monday-Friday, 8 AM - 6 PM EAT

• Documentation: developers.intasend.com

Shopify support:

• Standard Shopify support channels

• Help documentation

• Community forums

Next Steps: Start Accepting M-Pesa Today

Ready to Tap Into the East African Market?

Step 1: Create IntaSend Account

Step 2: Install IntaSend Payments app from Shopify App Store

Step 3: Complete setup and verification

Step 4: Start accepting M-Pesa payments

Total setup time: 1-2 hours (plus verification waiting period)

Need Help Getting Started?

Request a demo: Schedule Demo

Contact IntaSend:

• Email: support@intasend.com

• WhatsApp: +254 711 082 947

Read documentation: IntaSend Shopify Docs

The Bottom Line

East Africa represents a massive e-commerce opportunity for US merchants. With 170+ million people, growing internet penetration, and a mobile-first economy, the market is ready for US products and services.

The barrier has always been payments. East African consumers want to use M-Pesa, but US merchants couldn't accept it.

That barrier is now gone.

IntaSend's partnership with Shopify makes it possible for any US merchant to accept M-Pesa payments without leaving the United States. No need to register a business in Kenya, no complex international banking, no compliance headaches.

Just install the app, complete setup, and start selling.

Your East African customers are waiting. Are you ready to serve them?

Start Accepting M-Pesa Payments Today

Sign Up for IntaSend

Install Shopify App

Request Demo