Online Payments in Kenya: M-Pesa, Cards, and Everything You Need to Accept
Accept online payments in Kenya with confidence. This guide covers M-Pesa integration, card payments, and the best payment gateways for Kenyan e-commerce.
For any Kenyan business selling online, accepting payments seamlessly is non-negotiable. The good news is that Kenya has one of the most advanced mobile payment ecosystems in the world, centred around M-Pesa.
Payment Options for Kenyan E-commerce
- M-Pesa (STK Push): The most trusted payment method in Kenya.
- Card Payments: Visa and Mastercard via payment gateways.
- Airtel Money: For customers on the Airtel network.
- PayPal: For international customers.
- Bank Transfer: For large B2B transactions.
Recommended Payment Gateways
- Safaricom Daraja API: Direct M-Pesa integration for the best rates.
- Pesapal: Multi-payment gateway supporting M-Pesa, cards, and bank transfers.
- Flutterwave: Pan-African payment solution with multiple payment methods.
- IntaSend: Kenyan-focused payment gateway with easy integration.
Our e-commerce team has integrated all major Kenyan payment gateways. Let's build your store.
David Esabwa
Co-Founder & Lead Digital Strategist
David Esabwa is the Co-Founder and Lead Digital Strategist at Elite Designs Kenya. Recognized at the Digitally Fit Awards 2026 among Top CEOs Leading Upcoming Digitally Fit IT Firms, David specializes in high-performance web applications, M-Pesa architectures, and data-driven SEO growth systems for Kenyan enterprises.
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