Apply to accept M-Pesa payments with Payment Gateway Kenya
Tell us about your business, complete a KYB review and choose how you want to connect to the gateway. Our team reviews every application individually, so submitting the form starts a conversation rather than guaranteeing an account.
Payment Gateway Kenya is a payment gateway for M-Pesa pay-ins, plus payouts where confirmed for your account. The form below takes a few minutes and tells our team what your business does, how you sell and how you would like to connect. Read more about M-Pesa through the gateway.
One application covers your business. You choose API (H2H) or Hosted Payment Page later, or tell us you are not sure yet.
Every application goes through KYB review. Submitting the form does not mean approval.
The process is the same for shops, platforms and developers. Each step depends on the one before it, and timing varies by business, so we do not quote an onboarding time.
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1. Share your details
Fill in the form with your company name, contact person, website or shop URL and a rough monthly volume range. Add a short note about what you sell and how your customers pay today.
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2. KYB review
Our team checks your business information and asks for supporting documents where needed. We may come back with questions about your products, website or ownership before the review can move forward.
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3. Route choice
If your application moves ahead, we agree how you will connect: API (H2H) or Hosted Payment Page. Both are ways into the same gateway, so the choice is about your technical setup, not about a different product.
API (H2H), Hosted Payment Page, or not sure yet
You tell us your preference on the form, but you do not need to decide now. Pick the option closest to your situation and our team will talk it through with you during onboarding.
API (H2H)
Your developers connect your system directly to the gateway and build the payment step inside your own checkout. H2H is a direct integration, not a white-label product. Postbacks send transaction status to your system so you can update orders.
Your customer is sent to a payment page to complete the M-Pesa payment, then returned to your site. This suits teams that want less development work on the checkout itself. Transaction status still reaches you through postbacks.
Choose this if you have not decided or do not have a developer yet. Tell us about your website or platform in the note, and our team will explain what each route involves for your setup.
What the application form asks for
Every field has a clear purpose. Give us accurate information so the KYB review is not held up by follow-up questions.
Company name: the registered name of your business.
Contact name: the person our team should speak to about the application.
Work email: an address on your business domain where possible, so we can reach you reliably.
Phone: a number where the contact person can be reached during working hours.
Business type: choose the option that best describes what you do, such as online shop, platform or service business.
Website or shop URL: where your customers will pay. If your site is still being built, share the address and mention it in your note.
Monthly transaction volume range: pick the range that best fits your expected M-Pesa volume in KES. An exact figure is not needed at this stage.
Integration preference: API (H2H), Hosted Payment Page, or Not sure.
Short note: a few lines on what you sell, how customers pay today and anything you want our team to know, such as whether you need payouts.
Consent checkbox: confirms that you agree to be contacted about your application and that we can process the details you submit.
Privacy note: explains how your information is handled. You can read the full privacy policy before you submit.
What we need from you
KYB review checks who you are and how your business operates. The exact documents depend on your business type, so our team will tell you what applies after you submit.
Business registration details for the company named on the form.
Information about the directors and owners of the business.
A live or in-progress website or shop that shows what you sell and how customers buy.
A clear description of your products or services and your expected monthly volume range.
Details of whether you need pay-ins only, or pay-ins and payouts.
A named technical contact if you plan to connect through API (H2H).
Frequently asked questions
Short answers to the questions merchants ask most before applying. For anything not covered here, add it to the note on the form and our team will reply.
Does submitting the form mean my business is approved?
No. Every application goes through KYB review, and our team decides whether to move forward based on that review. Submitting the form starts the process; it does not guarantee an account.
How long does onboarding take?
Timing depends on your business, the documents you provide and the route you choose, so we do not quote a fixed onboarding time. Complete answers on the form help avoid follow-up questions.
Which payment methods can I accept in Kenya?
Payment Gateway Kenya supports M-Pesa in Kenya, for pay-ins and for payouts where confirmed for your account. Ask our team if you have questions about anything beyond M-Pesa.
Can I change from Hosted Payment Page to API (H2H) later?
Both routes connect to the same gateway, so the choice is about your technical setup rather than a different product. If your needs change, ask our team what moving between routes would involve for your account.
What does it cost?
Pricing is custom and depends on your business. Visit the pricing page to talk to sales about your case.
Will my customers get notifications from the gateway?
Postbacks send transaction status to your system, not to your customers. Messages and receipts to customers remain your responsibility.
Can I use Payment Gateway Kenya with Shopify?
Kenya was not on Shopify's official Shopify Payments country list when checked on 5 November 2026. We do not promise any app, plugin or automatic install, so mention your platform in the form note and our team will discuss options.
Ready to apply?
Submit the form with your business details and integration preference, and our team will be in touch about KYB review. If you want to discuss costs first, talk to sales.