Insights & Updates

Payments. Africa.
The Future of Money.

Guides, news and insights on M-Pesa, mobile money, offline payments, diaspora transfers and the African fintech revolution — from the team building WhaPay.

M-Pesa Tips Offline Payments Diaspora Transfers African Fintech Merchant Guides Global Currencies

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WhaPay Blog

Tips, guides, and tutorials to help you master WhatsApp payments in Kenya and beyond.

WhatsApp Payments M-Pesa Tips Card Payments Merchant Guides

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Offline Technology — Live

Payments That
Never Stop.
Even Without Internet.

The only platform where you can register by voice call or SMS and accept payments offline via M-Pesa Paybill. No internet? No problem.

Voice/SMS

Offline Registration

Member Code

Offline Payment

✓ Offline Payment Accepted

QR Payments

WhatsApp Link

No Monthly Fee

KES 0

Free registration

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👆 How WhaPay Works – Simple Steps

1️⃣

Get Your Code & QR

Register online (WhatsApp) or offline (voice/SMS to 0140933042). Receive your unique Member Code and QR code instantly.

2️⃣

Share or Scan

Merchant shares their WhatsApp link, QR code, or Member Code. Customer scans or copies the code.

3️⃣

Pay & Confirm

Pay via M-Pesa or card (online) or Member Code + M-Pesa Paybill 0140933042 (offline). Both receive instant confirmation.

🌍 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.

Payments. Africa.The Future of Money.