What you can do in Kenya
One Monerails account, one integration: here are the services open in Kenya.
Collections
Accept M-Pesa and Airtel Money through the API, on your website or in your app. The customer approves on their phone and the net amount lands on your KES balance.
Payouts
Pay suppliers, staff and customers by M-Pesa and Airtel Money, one by one or in bulk, with a status for every payout.
Settlements
Move your KES balance to your mobile money or bank account whenever you want, priced like a payout.
Payment links
Create a link in seconds and share it by WhatsApp, SMS, email or QR code: your customer pays in Kenya with their wallet, no website needed.
Virtual USD cards
Visa and Mastercard dollar cards for your team, your customers living in Kenya and your AI agents, accepted online worldwide.
API and webhooks
A REST API, a free test mode, idempotent requests and signed webhooks. Country code: KE, currency: KES.
Supported operators in Kenya
Your customers pay from
You pay out to
Indicative list. The current list, with how each operator approves payments, is returned by the API:
GET /v1/operators?currency=KESMobile money in Kenya
In Kenya, the customer approves the payment on their phone, through a prompt that appears on screen. Amounts are sent in whole shillings (multiples of 100 in minor units). Kenya is the default KES country: the country field is optional.
Use cases in Kenya
Mobility and delivery
Pay Nairobi drivers and couriers to M-Pesa at the end of each day, in bulk.
SaaS and subscriptions
Collect from Kenyan subscribers with M-Pesa or Airtel Money and track renewals and failures by webhook.
Pan-African companies
Add Kenya to your West and Central African markets without changing your integration.
How it works
Open your account
Create your account in minutes and get your test keys: test mode is free, with test numbers for every country we cover.
Integrate, or go no-code
Call POST /v1/collections with "currency": "KES" from your server, or create a payment link from the dashboard, with no development.
Go live
Once your business is verified, your live keys collect and pay out in Kenya. Every operation is confirmed by a signed webhook.
Pricing in Kenya
Mobile money
Collection and payout fees in Kenya are published country by country on the price list, with no subscription or setup fee: see the price list. Every fee is shown before you confirm.
See the price listVirtual USD cards
Frequently asked questions
Which mobile money operators are available in Kenya?
M-Pesa and Airtel Money, for collections and payouts alike. The current list, with how each operator approves payments (PIN or one-time code), is returned by GET /v1/operators?currency=KES&country=KE.
Which country code and amount format should I use?
The country code is KE, the default for KES, so the country field is optional. KES amounts are in minor units and must be multiples of 100 (whole units): "amount": 250000 means KSh2,500.
Do I need a website to collect in Kenya?
No. A Monerails payment link opens a page where your customer chooses M-Pesa or Airtel Money, enters their number and approves. You share it by WhatsApp, SMS, email or QR code, and every payment shows up in your dashboard.
Can I issue virtual cards to people living in Kenya?
Yes. Virtual Visa and Mastercard dollar cards are issued to cardholders living in the countries we cover, Kenya included. A card costs $1, funding it is free, and it works online wherever Visa or Mastercard is accepted.
Neighbouring countries we cover
Documentation: docs.monerails.com/coverage · Collections guide
Ready to get started in Kenya?
Open an account in minutes. Test mode is free, with no subscription.