Everything You Need to Accept Payments
Offline registration via 0140933042, WhatsApp payment links, QR codes, M-Pesa & card integration, AI fraud detection, BNPL, cross-border settlements, and 24/7 support – all in one platform.
Never Stop.
Even Without Internet.
Everything You Need – No Hidden Fees, No Complexity
From **offline registration** to **global card payments**, WhaPay gives you the tools to grow your business – with or without internet.
Offline Registration
Register without internet by dialing 0140933042 (voice call) or sending an SMS with REG YourName. Perfect for feature phones and low‑network areas.
WhatsApp Payment Links
Generate instant payment links and share them directly on WhatsApp. Customers click, choose M-Pesa or card, and pay – without leaving the chat.
QR Code Payments
Each merchant gets a unique QR code. Customers scan with their phone camera – amount is pre‑filled, payment is instant. Zero typing errors.
Member Code (Offline Payment)
Pay without internet using the merchant's Member Code (e.g., DK12345). Open M-Pesa → Lipa na M-PESA → Paybill 0140933042 → Account = Member Code.
M-Pesa STK Push
Seamless M-Pesa integration via Safaricom's Daraja API. Customers receive a payment prompt on their phone – enter PIN and pay instantly. Real‑time confirmation.
Card Payments (Visa/Mastercard)
Accept credit and debit cards from customers worldwide via Stripe. PCI compliant, secure, and fast. Ideal for online businesses and international clients.
Live Dashboard & Reports
Real‑time overview of total revenue, pending payments, weekly/monthly trends, and top customers. Export data to CSV for accounting.
AI Fraud Detection
Machine learning models analyze thousands of signals per transaction. Block fraud before it happens – 64% fewer false declines than traditional rules.
Buy Now, Pay Later
Offer installment plans (e.g., 4 interest‑free payments). Increase conversion by up to 40% – customers pay over time, you get paid upfront.
Cross‑Border Settlements
Hold and settle in 50+ currencies – no hidden FX fees. Accept payments in USD, EUR, GBP, and more. Coming soon for international merchants.
Automated WhatsApp Reports
Receive weekly and monthly reports directly on WhatsApp. See top‑paying customers, most used payment methods, and revenue growth – without logging in.
24/7 WhatsApp Support
Direct support line to our team. Real human assistance for registration, payments, or technical issues. Response time: under 2 hours. Contact us at 0140933042.
👆 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 (offline). Both receive instant confirmation.
How WhaPay Compares – The Most Complete Solution
| Feature | WhaPay | Stripe | PayPal | M-PESA | Flutterwave |
|---|---|---|---|---|---|
| Offline registration (voice/SMS) | |||||
| Offline payment (Member Code + Paybill) | ✅ (as customer) | ||||
| WhatsApp payment links | |||||
| QR code payments | ❌ | ❌ | ✅ (Till) | ❌ | |
| Card payments (international) | |||||
| AI fraud detection | ❌ | ||||
| Buy Now, Pay Later | ❌ | ||||
| Zero monthly fees | ❌ ($0.25+/month) | ❌ (varies) | ✅ (transaction only) | ❌ |
*WhaPay offers unique offline features that no other global platform provides.
Trusted by 500+ Kenyan Merchants
From small kiosks in rural areas to large retailers in Nairobi, WhaPay powers payments for businesses of all sizes. **Join the payment revolution today.**
Read our case study →Ready to Unlock These Features?
**Register now – it's free.** Get your Member Code and QR code instantly. Start accepting payments online or offline today.
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.
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.
🌍 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.