Set up payments for a Kenyan business

Separate collections from payouts. Write down whether you need M-Pesa checkout, cards, bank payments, payment links, recurring billing, bulk payouts, or all of them.

Compare Pesapal when you need M-Pesa plus cards, online checkout, ecommerce plugins, invoices, or point-of-sale products in Kenya.

Compare IntaSend for mobile-money collections, developer APIs, payment links, fraud screening, and African payouts. Its current official FAQ separates collection coverage from disbursement coverage.

Evaluate Paystack, Flutterwave, and Peach Payments when card checkout, plugins, or multi-market expansion matters. Confirm each Kenyan feature with the provider.

Complete Kenyan merchant verification and confirm the legal entity, settlement bank account, supported currencies, payout timing, and transaction limits.

Use sandbox credentials and keep secret keys on the server. Verify callbacks and query the provider before marking an order paid.

Test M-Pesa approval, timeout, cancellation, reversal, duplicate callbacks, refunds, and card failures - not only the successful path.

Create a daily reconciliation process matching customer references, provider transactions, fees, refunds, and bank or mobile-money settlement totals.