M-Pesa, card, online, and in-store payments in Kenya
Accept M-Pesa and cards through online checkout, payment links, ecommerce plugins, invoices, and point-of-sale products.
Use when
You run a Kenyan store, hospitality business, or online service that needs M-Pesa plus card acceptance.
Skip when
You need a code-first infrastructure layer across several African countries from one account.
Pesapal is regulated by the Central Bank of Kenya. Merchant onboarding and product-specific fees apply before live acceptance. Published rates (21 Sep 2026): roughly 3.0% to 3.5% on M-Pesa transactions and 3.5% to 4.5% on cards, charged to the merchant. Worth comparing against going direct: Safaricom's own Buy Goods till charges about 0.5% capped at KES 200, so the aggregator convenience has a real price attached. Confirm before integrating.
Alternatives
