We're 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.
Trusted by Businesses Worldwide
Transactions Processed
Active Merchants
Countries Served (planned)
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**PCI DSS Level 1 certified** • **24/7 support** • **Real‑time fraud protection**
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.
The People Behind WhaPay – Driven by Purpose
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
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.
Get in Touch
Questions? Feedback? Our team replies within 24 hours.