Building the Future of
Payments
For Everyone, Everywhere
Offline-first, WhatsApp-powered, and built for the unconnected. WhaPay is on a mission to connect 1 billion people to the digital economy – even those without internet or smartphones.
Our Mission
To democratize payments by providing a single platform that works online (WhatsApp) and offline (voice/SMS), empowering businesses and individuals everywhere – even without internet. **We believe connectivity should never be a barrier to commerce.**
Our Vision
To become the world's most inclusive payment network – **connecting 1 billion users** through WhatsApp, voice, SMS, and M-Pesa, while leading in **AI fraud prevention, unified commerce, and cross-border settlements**. From Kenya to the world.
Our Journey – From Idea to Impact
2025 – The Spark
Founder David Ochieng realized that millions of Kenyans had no way to accept digital payments because they lacked internet. **The idea of WhaPay was born: payments that work offline.**
Early 2026 – Prototype & Beta
First version launched with WhatsApp registration, QR codes, and Member Code payments. **500+ merchants joined within 3 months.**
Mid 2026 – Offline Registration
Introduced **voice call and SMS registration** via 0140933042. Now anyone with a basic phone can get a Member Code and QR.
Today – Global Ambitions
Adding **international card payments, AI fraud detection, and cross-border settlements**. Preparing to expand beyond Kenya to Nigeria, Ghana, India, and Brazil.
🌍 WhaPay Works In Your Country
Select your country to see how WhaPay works for you
Trusted by Businesses Worldwide
Transactions Processed
Active Merchants
Countries Served (planned)
Uptime (%)
**PCI DSS Level 1 certified** • **24/7 support** • **Real‑time fraud protection**
Operating Worldwide
Kenya
Headquarters
Nigeria
Coming Q3 2026
India
Coming Q4 2026
Brazil
Coming 2027
🌍 Accept payments from customers in 180+ countries via card • 💱 Multi-currency settlements
What Makes WhaPay Different – Innovation That Matters
AI Fraud Detection
**Real‑time machine learning** blocks fraud before it happens – 64% fewer false declines than traditional systems.
Unified Commerce
**Online, WhatsApp, and offline payments** – all synced in one dashboard. No more manual reconciliation.
Offline Registration
**Dial 0140933042** (voice) or SMS REG YourName – get your Member Code instantly, no internet required.
Cross‑Border Settlements
Hold and settle in **50+ currencies** – no hidden FX fees. Coming soon.
Buy Now, Pay Later
Offer **installment plans** – increase conversion by up to 40%.
WhatsApp Super‑App
**In‑chat payments, AI support, automated receipts** – all inside WhatsApp. Turn messaging into money.
👆 How WhaPay Works – Simple Steps
Get Your Code & QR
Register online (WhatsApp) or offline (voice/SMS to 0140933042). Receive your unique Member Code and QR code instantly.
Share or Scan
Merchant shares their WhatsApp link, QR code, or Member Code. Customer scans or copies the code.
Pay & Confirm
Pay via M-Pesa or card (online) or Member Code + M-Pesa Paybill 0140933042 (offline). Both receive instant confirmation.
The People Behind WhaPay
Driven by purpose, committed to financial inclusion
David Ochieng
Founder & CEO
Ex‑Stripe, 10+ years fintech
Jane Mwangi
CTO
AI & payments infrastructure
Mark Otieno
COO
Global operations expert
Mary Wanjiru
Customer Success
24/7 support lead
👥 15+ team members across engineering, product, and customer success
Why WhaPay Doesn't Need a CBK License
WhaPay is a technology platform, not a bank or payment processor. We never hold, touch, or settle your money – we simply provide payment instructions and links. The money goes directly from customer to merchant via M-Pesa or card networks.
How WhaPay Works – The Simple Truth
WhaPay is a technology platform, not a bank or payment processor. We never hold your money.
What WhaPay Does
- Provides payment instructions (Paybill numbers, Till numbers, links)
- Generates QR codes and Member Codes (reference numbers)
- Connects customers to merchants' existing payment gateways
- Sends payment reminders and receipts
What WhaPay Does NOT Do
- Never holds customer money
- Never settles transactions between parties
- Never takes money into WhaPay's bank account
- Never processes card payments directly
What is the Member Code?
Your Member Code (e.g., DK12345) is simply a reference number – like an invoice number or a bank deposit slip account number. It is not a bank account, wallet, or stored value. When a customer pays using your Member Code, the money goes directly from their M-Pesa to your M-Pesa. WhaPay never touches it.
Why WhaPay Does Not Need a CBK License
Under Kenyan law, a Payment Service Provider (PSP) license is required only for entities that "send, receive, store, or process payments" on behalf of others. Since WhaPay never holds or settles money – we only provide payment information – we are a pure technology provider. This is the same legal model used by price comparison websites, directory services, and payment link generators globally.
Learn more about our legal modelWhaPay is not a bank, not a payment service provider, and does not require a Central Bank of Kenya license. All payments are made directly from customer to merchant via third-party processors (M-Pesa, Visa, Mastercard, etc.).
Ready to Join the Payment Revolution?
**Register online via WhatsApp, or offline by voice call or SMS** – it's free and takes 2 minutes. No internet? No problem.
After registration, you'll receive a unique Member Code (e.g., DK12345) and QR code – use them to pay or receive money instantly, even without internet.
Send Money Home.
Pay Family Businesses Directly.
No more Western Union queues. No more bank transfer delays. Pay Kenyan and African businesses directly from anywhere in the world using your local card.
From UK
Pay in GBP using Visa, Mastercard, Google Pay or Apple Pay. Merchant receives KES instantly.
From USA
Pay in USD using any US card or Google Pay. No SWIFT fees. No delays. Instant payment.
From UAE
Pay in AED using UAE Visa or Mastercard. Support family businesses in Kenya from Dubai.
💡 How Diaspora Payments Work
Family/merchant shares WhaPay payment link via WhatsApp
You click the link from UK/USA/UAE
Pay with your local Visa, Mastercard, Google Pay or Apple Pay
Merchant in Kenya receives KES instantly via M-Pesa
Get in Touch
Questions? Feedback? Our team replies within 24 hours.
🌍 WhaPay vs The World's Biggest Payment Platforms
See how WhaPay compares to Stripe, PayPal, Square, Adyen and Kenya's top platforms
| Feature | WhaPay | Stripe | PayPal | Square | Adyen | Pesapal | Paystack | Flutterwave |
|---|---|---|---|---|---|---|---|---|
| Monthly Fee | KES 0 | $0 (basic) | $0 (basic) | $0 (basic) | Custom | KES 1,999+ | $0 | $0 |
| Card Transaction Fee | 1.5% + KES 20 | 2.9% + $0.30 | 3.49% + $0.49 | 2.6% + $0.10 | 0.3%–0.8% | 2.9% + KES 20 | 2.9% + KES 30 | 1.4%–3.8% |
| M-Pesa Integration | ✅ 0% extra | ❌ No | ❌ No | ❌ No | ❌ No | ⚠️ Yes + fee | ⚠️ Yes + fee | ⚠️ Yes + fee |
| Offline Registration (SMS/Voice) | ✅ Free | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No |
| Offline Payments (No Internet) | ✅ Member Code | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No |
| WhatsApp Payment Links | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No |
| QR Code Payments | ✅ Free | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ⚠️ Limited | ⚠️ Limited | ⚠️ Limited |
| 135+ Global Currencies | ✅ Yes | ✅ 135+ | ✅ 100+ | ⚠️ Limited | ✅ 150+ | ⚠️ KES focus | ⚠️ Africa focus | ✅ Africa+ |
| Google Pay / Apple Pay | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Works Without Smartphone | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No | ❌ No |
| Recurring Billing | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ❌ No | ❌ No | ⚠️ Limited |
| Diaspora / International Transfers | ✅ USD/GBP/EUR+ | ✅ Yes | ✅ Yes | ⚠️ US only | ✅ Yes | ❌ No | ❌ No | ⚠️ Limited |
*Fees approximate and subject to change. WhaPay is the only platform with full offline registration and payment capability globally.