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Payment Providers in Kenya
Kenya is the birthplace of mobile money — M-Pesa launched here in 2007 and now serves ~30M Kenyans. Any merchant serving Kenya must integrate M-Pesa. Cards are urban-only. Mobile money is the de facto payment infrastructure for both urban and rural Kenya, B2C and B2B.
M-Pesa mobile money (~30M users)
Airtel Money and T-Kash
Cards for urban e-commerce
KES settlement, CBK regulation
Key payment methods in Kenya
The local rails merchants must support to convert Kenya customers.
M-Pesa
Mobile money pioneer, ~30M users
Visa & Mastercard
Urban e-commerce
Airtel Money
Second-largest mobile money
About payments in Kenya
What is M-Pesa?
M-Pesa is a mobile money service run by Safaricom (Vodacom-owned). Users transfer money via SMS or USSD using their phone number — no smartphone needed. Adoption is near-universal in Kenya and merchant integration is critical for any local-facing business.