The Best Online Payment Platforms in Kenya

The Best Online Payment Platforms in Kenya

When I joined the freelance industry, I knew very little if anything about how to get paid. If I knew about any online payment platforms, maybe two. Over time, I have come to realize that there are numerous payment platforms that anyone providing services or selling services can use. There are many payment gateways as there are legit online businesses.

One advantage of these payment gateways is their coverage. Most cover almost all countries across the globe. You can be in Kenya and pay for goods or services in any part of the world. Some reign supreme due to reliability in transfers and affordable rates.

Reliable Online Payment Platforms in Kenya

Online Payment Platforms

Rate to Transfer to Local Bank or M-Pesa

Transfer Maturity Period

Minimum Transfer

Maximum Transfer


No charges incurred for local bank transfer

2 to 5 business days

$20 to other users $50 to local bank



Free transfer from PayPal Account to bank account.

3 to 5 business days


$10000 per transaction


Around 3% of the total amount

2 to 5 business days


Up to $25000 monthly depending on account verification


2.99% of the amount transferred

1 to 6 hours




0.00013997 BTC

10 to 60 minutes

0.00000001 BTC


Escrow Kenya

Kshs. 200 for General Merchandise. Kshs, 1500 for vehicles.  

Depending on shipping duration




For $300 and below, you are charged $3.
For more than $300, the charge varies.  

Up to 2 business days

No Minimum

No maximum for bank transfer. Limit for Mpesa


3.5% per online payment transaction and for point of sale is 2.9%.

3 business days

Kshs. 1000

Kshs. 70000


Free up to 15 transactions. More than 15 transactions monthly charges you $5.95.

1 business day



Dusu Pay

Free for less than 50 transactions per month
Standard package for $9.99 & Enterprise package for $29.99.

Up to 3 business days



List of Payment Gateways in Kenya

1. Payoneer

Payoneer ranks among the best ways to make payments across the globe in the comfort of your home. It was launched in 2005 and has managed to capture a sizeable portion of the market. The best thing about it, you can make direct payments to other users without involving a third-party entity such as a bank.

Once you sign up for Payoneer, you get a MasterCard debit card. You can use it to withdraw funds from any ATM across the world that accepts MasterCard. To sign up, use this link to get a $25 bonus once you hit $1,000 in cumulative transactions. Remember, you need a copy of your valid identification documents to complete the registration process.

The least you can transact on Payoneer is $20, and the maximum is $2500 per day. However, the minimum you can transfer to your bank is $50. Transfer of any amount to your bank is free and the exchange rate is attractive. The transfer maturity period is 2 to 5 business days internationally.

2. PayPal

In the world of online transactions, PayPal dominates as one of the best and most reliable. This online payment platform has millions of users from across the world, both individuals and businesses. It has years of existence in the industry, always striving to provide its customers with the best. The platform also supports M-Pesa transfer services.

All transactions through PayPal are secure, and you are kept aware of any suspicious activities in your account. Setting up a PayPal account is easy, only taking a few minutes to complete. Once that is done, you must verify the account by using a bank account or credit card. Then you can start transacting, making payments, and transferring funds to anywhere in the world.

PayPal boasts some of the fastest transfers of any other payment platform globally. For this, they control a good chunk of the market in regards to online transactions. The fact that you get faster checkouts by not retyping your financial details with every payment is a plus.

PayPal offers free transfer from your PayPal account to your bank account. On the other hand, they take 2.9% from each payment transaction and 30cts more from the same. Wait for 3 to 5 business days for transfers to reflect in your account. The least you can transfer with PayPal is $1, and the maximum is $10000 per transaction.

3. Skrill

Skrill works with a wide variety of currencies hence its popularity worldwide. You can use it to send money faster and securely. The money can be to another person’s bank account or mobile wallet or your own. You can use Skrill from anywhere in the world, and setting up an account is easy. The service has been available since 2001 and is part of the PaySafe Group.

Once you set up a Skrill account, you get a Skrill wallet that you can use to keep funds. The online payment platform is quite affordable with swift and secure transfers. You can send money to any person, only needing their name, address, and account information. Transfer maturity when you send money by bank transfer is 2 to 5 business days. Sending money abroad is Free. Domestic transfers incur a fee of 2% of the total amount. Some banks impose additional fees for using Skrill.

Skrill supports M-Pesa transfer. You should make sure the details match.

4. Neteller

Neteller is a widely used service to transfer money online. Using a Net+ card, you can withdraw the funds in your account. Another option is to transfer the funds to your bank account. Like Skrill, it’s part of the PaySafe Group that specializes in online payment platforms. M-Pesa transfer from Neteller is also instant.

Neteller charges its customers a fee of 2.99% for money transfer using its system. The minimum amount transferable is $0.50, and the maximum is $50,000. Enjoy fast transfers with this service lasting only 1 to 6 hours max.

5. LocalBitcoin

Cryptocurrencies such as Bitcoins are common in online transactions, with many more people embracing them. You can make payments or send funds to another in the form of Bitcoins. Many more businesses are accepting payments from their customers by using this form of cryptocurrency.

You can sell or buy Bitcoins using your M-Pesa. That makes the platform compatible with mobile money transfers.

LocalBitcoin originates from Finland and acts as a market for Bitcoin traders. You can purchase Bitcoins that are deposited into your LocalBitcoin wallet. After the purchase, send the Bitcoins from your address to another easily. LocalBitcoin charges 0.00013997 BTC to transfer Bitcoins from one address to another. The transfer takes only 10 to 60 minutes to reflect. The least amount you can send is 0.00000001 BTC, and there is no maximum.

6. Escrow Kenya

Escrow Kenya comes in handy while transacting online. When you sign up for escrow, the payment gateway comes in between you and the seller. It’s the best way for both to have peace of mind knowing funds won’t be lost. Once you agree on all the terms with the seller, you deposit funds into Escrow Kenya, who verify the transfer.

Once it’s complete, the seller ships the goods, and Escrow Kenya ensures the buyer receives them. After checking if they are the right order and in good condition, the buyer gives a go-ahead for the money to be sent to the seller.

Escrow Kenya charges a different amount depending on the item bought. You pay 3% of the purchase price with a minimum fee of Kshs. 200, and the maximum is Kshs. 15000 for General merchandise. Car fees is 1.5% with a minimum fee of Kshs. 1500 and maximum Kshs. 15000. Transfer duration depends on how long the item delivery takes.

7. Trasferwise

Trasferwise is another reliable online payment service that you can use in Kenya. The advantage it has over many others is it supports more than 700 currencies from across the world. The official site has 10 versions to choose from when logging into your account. in Kenya, Trasferwise makes it easy to transfer funds to individuals or bank accounts.

Another option is to send it to the Mpesa wallet. If you are sending it to the bank, there is no applicable limit, but for Mpesa, there is a limit to keep in mind. Transfer made can take up to 2 business days to complete. Fees vary depending on the amount you transfer. For $300 and below, you are charged $3. For more than $300, the charge varies.

8. PesaPal

With PesaPal, you can make payments using several methods, including mobile banking, bank cards, and mobile wallets. It guarantees bank-level security for all transfers made, making it a reliable payment service provider. Some online shopping malls also support PesaPal as a mode of payment.

In Kenya, it’s one of the most widely used systems by over 500 hotels. It makes it easy to place online bookings without incurring extra costs. You pay 3.5% per online payment transaction, and for point of sale is 2.9%. Transactions reflect after 3 business days

9. iPay

With iPay, you can use several mobile wallets, including Airtel Money, Mpesa, and Equitel. Apart from that, you can also use MasterCard or Visa. The method is simple to sign up and receive payments as a seller.

It’s free to set up, and payments reflect instantly. Using iPay to transact is free up to 15 transactions. More than 15 transactions monthly charge you $5.95. It takes 1 business day to complete a transaction with iPay.

10. DusuPay

For straightforward transactions with a service provider, you can trust, opt to use DusuPay. It’s taken up a huge chunk of the African market and is used by many companies. With less than 50 transactions per month, you are not charged any fee.

Over 50 transactions, you require a standard package that costs £9.99 and an Enterprise package costing £29.99. In Kenya, transactions are mainly through Mpesa, and you can incur additional charges. Transactions take up to 3 business days to reflect.

These are among the best online payment platforms in Kenya. Opt for any of them when making online transfers or payments for goods and services.

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