What Kenyan users expect
PayBill and till numbers are everyday habits, so a merchant or biller flow that works differently feels wrong. Chamas are widespread, and school fees run on account references. Sending to other networks and banks has to work, because no one will accept a closed wallet.
Rules and connections
The Central Bank of Kenya authorises e-money issuers and payment service providers under the National Payment System Act. Plan for customer funds held in trust, KYC tied to the national ID, and a link to the national switch or a sponsor bank. Our Kenya guide sets out the licence steps.

What to check before you buy
- PayBill and till style flows
- Chama and group savings
- Interoperability with banks and networks
- National ID checks
- Trust account reconciliation
Inside the product
One platform behind every screen.
Every country launch runs on the same wallet app and back office, set up for your currency, rails and languages.
See it in the product
Questions buyers ask
Can a new wallet compete in Kenya?
Yes, by serving a defined group better rather than copying a general wallet.
Do I need my own licence?
Either your own CBK authorisation or a partnership with an authorised institution.
See it in your own brand
Ask for the demo and your logins come by email, or build a priced proposal in 10 minutes.
Financial software guides
- Mobile money system
- White label mobile money
- Multi-currency wallet
- Agent banking software
- Chama software
- Remittance software
- White-label payment gateway
- USSD banking platform
- Merchant POS software
- Corporate payments platform
- Mobile money API
- Salary payments to wallets
- School fee collection
- Merchant QR payments
- Bill payment platform
- Loan disbursement to wallets
- Cash transfers for aid programmes
- Mobile money platform for Nigeria
- Mobile money platform for Ghana
- Mobile money platform for Uganda
- Mobile money platform for Tanzania
- Mobile money platform for Rwanda
- Mobile money platform for Ethiopia
- Mobile money platform for DR Congo
- Mobile money platform for Côte d'Ivoire
- Mobile money platform for Senegal
- Mobile money platform for Cameroon
- Mobile money platform for Angola
- Mobile money platform for Burundi