Wallets · Africa · On request
M-Pesa in Kenya
M-Pesa accounts for 80 % of e-commerce payments in Kenya (Central Bank of Kenya, 2025). Payments are made in KES; the method supports pay-in, payout; settlement: instant; chargebacks: not possible. The payments regulator in Kenya is Central Bank of Kenya (CBK). Providers for M-Pesa in Kenya in the Tranzify catalogue: Flutterwave, Paystack.
Key facts
- share of e-commerce payments · Kenya
- 80 % (Central Bank of Kenya, 2025)
- Currency
- KES (Kenyan shilling)
- Operations
- Pay-in · Payout
- Settlement
- instant
- Chargebacks
- not possible
- Payments regulator
- Central Bank of Kenya (CBK)
Providers for M-Pesa in Kenya
| Provider | Provider type | Supported operations | Status at Tranzify |
|---|---|---|---|
| Flutterwave | Local methods provider | Pay-in, Payout, Refund | On request |
| Paystack | Local methods provider | Pay-in, Payout, Refund | On request |
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
Other payment methods in Kenya
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | PayPal | — |
| Wallets | Airtel Money | — |
M-Pesa in other countries
Frequently asked questions
Which providers offer M-Pesa in Kenya?+
In the Tranzify catalogue M-Pesa in Kenya is offered by Flutterwave, Paystack. A client connects its own account with the provider as a terminal; routing and cascading between several providers are set up in the back office.
How widely is M-Pesa used in Kenya?+
According to Central Bank of Kenya, 2025, M-Pesa has a share of 80 % of e-commerce payments in Kenya.
Which operations does M-Pesa support in Kenya?+
M-Pesa supports pay-in, payout. Settlement is instant and chargebacks are not possible; the amounts are in KES.
Who holds the licence for M-Pesa in Kenya?+
Tranzify is software. The licensed client, a payment institution, an acquirer or its partner, contracts with the providers and the merchants; the platform routes the payments, records them in the journal and reports them. The payments regulator in Kenya is Central Bank of Kenya (CBK).
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