Everything You Need to Accept Payments – Online & Offline
**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.
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 → Account = Member Code → amount → PIN. Both receive SMS.
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.
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.