New sale450KES
Continue →
01
Enter the amount
The merchant enters the price on their phone and starts a payment request.
MERCHANT APPLICATIONS OPEN · NAIROBI
Tap to pay.
Phone to phone.
Turn an everyday smartphone into a simpler way to accept payments. Built for M-Pesa, bank cards and the way Kenya does business.
Accept more ways to pay. No separate POS terminal.
Built on licensed payment partners
9:41●●●
Wanjiku Greens · Merchant
KES 450
Ready to accept payment
◉
Hold phones close to pay
or scan to pay
9:41●●●
WG
Paying Wanjiku Greens
KES 450
Choose payment method
🟢 M-Pesa◉
💳 Visa debit○
💳 Mastercard○
Built for everyday business.
Designed around trust.
✓ M-Pesa payment option
✓ Visa and Mastercard
✓ Digital receipts
HOW M-PAY+ WORKSOne payment.
One payment.
Three simple steps.
Simple for merchants and customers alike.
Payment methodKES 450
◉ M-Pesa
○ Bank card
02
Tap to pay
The customer taps phones, picks M-Pesa or a card, and confirms.
✓Paid!KES 450
View receipt
03
Get confirmation
Both sides get a confirmation and a digital receipt.
MADE FOR MERCHANTSMore ways to pay.
More ways to pay.
Less hardware to manage.
From a shop, a market stall or on the move.
Say yes to more customers
Offer more payment choices when a customer prefers a card or M-Pesa.
No separate POS terminal
Use your phone instead of buying a card terminal.
Payments to your account
Money settles to your account through our licensed payment partners.
Know what you sold
See digital receipts, transaction history and a clearer view of your sales.
SIMPLE, TRANSPARENT PRICINGYou set the price.
You set the price.
Your customer pays exactly that.
Customers pay nothing extra. Merchants pay a small fee per payment, and for M-Pesa we'll never charge more than Lipa na M-Pesa.
✓ Free for customers
✓ No setup cost and no subscription
✓ No separate terminal to buy
Card fees are confirmed when you sign up.
M-PESA FEE EXAMPLE
See how a payment could work
KES
Customer paysKES 1,000.00
Lipa na M-Pesa merchant fee todayKES 5.50
M-Pay+ merchant fee≤ KES 5.50
Based on Lipa na M-Pesa Buy Goods rates from 7 August 2026.
📱
Pay with M-PesaApprove on your phone with your M-Pesa PIN.
💳
Or choose a cardPay with a saved debit or credit card.
BUILT FOR CUSTOMERS TOOPay your way.
Pay your way.
Know what you pay.
See the merchant and the exact amount before you approve.
✓ Pay with M-Pesa or card
✓ Pay the price, with no M-Pay+ fee added
✓ Keep an easy-to-find digital receipt
SECURITY BY DESIGNPayments need confidence.
Payments need confidence.
Not complications.
♢
Licensed partnersPayments run through licensed payment providers. M-Pay+ never holds your money.
◈
Protect sensitive card dataCard details go to a certified card partner and are never stored on a merchant's phone.
☑
Approve before payingCustomers are shown the merchant and the exact amount before confirmation.
▣
Traceable recordsEvery payment has a receipt and a full history.
GOOD QUESTIONS, CLEAR ANSWERS
Everything you need to know.
Do I need to buy a POS terminal?
No. Your Android phone is the terminal. We'll confirm your phone works when you sign up.
Will customers need to install the M-Pay+ app?
Yes, the free M-Pay+ app, to tap phones and pay with M-Pesa or a card.
Where does the merchant's money go?
Straight to your account, through our licensed payment partners. Settlement times are confirmed when you sign up.
How much does M-Pay+ cost?
Customers pay nothing extra. Merchants pay a small fee per payment, never more than Lipa na M-Pesa for M-Pesa payments. No setup cost, no subscription.
What if a phone doesn't support NFC?
We're adding a QR code option for phones without NFC.
How do I get started?
Apply below. We're onboarding merchants in Nairobi in stages, and our team will contact you to set up. Payments run through licensed payment partners, and M-Pay+ never holds your money.
GET STARTED
Start taking payments on your phone.
We're onboarding merchants in Nairobi in stages. Apply and our team will contact you about next steps.
Apply as a merchant
For merchants in Kenya.