One-Step Process
Register &
Pay
in One Step
Enter your details, complete payment, and get your permanent WhaPay Member Code and QR code instantly.
No separate registration
Instant Member Code
QR Code included
Offline registration:
0140933042
(voice or SMS)
Payment Successful!
Your WhaPay Member Code:
We've also sent your code and QR to your WhatsApp. Use this code for future payments – even without internet.
No internet? Use your Member Code directly in M-Pesa:
Paybill 0140933042 → Account = Your Member Code
Go to Dashboard
Secure Payment
256-bit SSL
24/7 Support
WhatsApp Confirmation
👆 How WhaPay Works
1️⃣
Register & Pay
Complete one form – pay via M-Pesa or card. Get your Member Code and QR instantly.
2️⃣
Share or Scan
Share your WhatsApp link, QR code, or Member Code with customers.
3️⃣
Get Paid
Customers pay via WhatsApp link, QR scan, or offline using M-Pesa Paybill.
🌍 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.
