The Internet’s Money

🇰🇪 Africa

Accepting payments online in Kenya

10 of the providers we track offer this to businesses registered in Kenya: Creem, dLocal, FastSpring, Flutterwave, Gumroad, Paddle, Payoneer, PayPal, Paystack, Polar. With limits: BVNK, Wise Business. Not confirmed for Kenya: EBANX.

CreemMerchant of record
Available

Creem resells software, SaaS and digital goods as merchant of record, handling checkout, subscriptions, tax and chargebacks, with revenue splits and affiliate tools.

dLocalEmerging markets
Available

One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets.

FastSpringMerchant of record
Available

FastSpring is merchant of record for software, SaaS and digital products, handling payments, subscriptions, tax collection and remittance and fraud, and pays you through its Hyperwallet-powered Payouts Portal.

FlutterwaveRegional processor
Available

Online payment acceptance through checkout, payment links, invoices, a store builder and POS. Local methods include cards, bank transfer, bank account debit, USSD, mobile money and M-Pesa, depending on currency. Flutterwave says it collects in 30+ currencies.

GumroadMerchant of record
Available

Gumroad hosts your store and checkout and acts as merchant of record for all sales, collecting and remitting sales tax and VAT. Mainly digital products, memberships and some digital services.

PaddleMerchant of record
Available

Paddle resells your software, SaaS or digital product as merchant of record, handling checkout, payments, sales tax and VAT, fraud and buyer support, then pays you monthly by bank transfer or Payoneer.

PayoneerGlobal account
Available

Get paid by clients and marketplaces such as Amazon, Upwork and Fiverr, or accept cards through payment requests.

PayPalPayment processor
Available

PayPal wallet, cards and (in the US) Venmo at checkout, with buyer and seller protection.

PaystackRegional processor
Available

Online and in-person payment acceptance. Cards (Visa and Mastercard in all markets) plus local methods that vary by country: bank transfer, USSD, mobile money, M-PESA, EFT, QR, Apple Pay and Google Pay. Settlement is in local currency by default; Nigerian and Kenyan businesses can also accept and settle in USD.

PolarMerchant of record
Available

Polar is merchant of record for software, SaaS and digital products, handling checkout, subscriptions, usage billing and international sales tax, and pays out through Stripe Connect Express.

BVNKStablecoin infrastructure
Limited

Accept stablecoin payments, kept as stablecoins or converted to fiat.

Wise BusinessGlobal account
Limited

Payment links and Quick Pay for getting paid. This is not a full online checkout.

May work, not yet reviewed for Kenya: EBANX.

Offer this, but not to businesses in Kenya: Adyen, Airwallex, Checkout.com, Dodo Payments, Mercado Pago, Mercury, Rapyd, Razorpay, Stripe, Stripe Managed Payments, Worldpay, Xendit.

How people in Kenya pay

M-PesaAirtel MoneyVisa / Mastercard

Accept payments in Kenya: common questions

Which providers can a business in Kenya use to accept payments?

10 of the providers we track offer this to businesses registered in Kenya: Creem, dLocal, FastSpring, Flutterwave, Gumroad, Paddle, Payoneer, PayPal, Paystack, Polar. With limits: BVNK, Wise Business. Not confirmed for Kenya: EBANX.

How do people in Kenya prefer to pay online?

Most used: M-Pesa, Airtel Money, Visa / Mastercard.

More for businesses in Kenya