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Accept payments online via WhatsApp links & QR codes, or offline using Member Code with M-Pesa Paybill.
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📡 Offline Payment Sync
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Your QR Code
Customers can scan this QR to pay you instantly via WhatsApp.
Payment Link Generator
Share this link on WhatsApp, SMS, or display at your shop.
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📦 Your Subscription Plan
🏪 Retail Checkout
Customer forgot card? Charge using their Member Code
📈 How Much Could You Earn?
Enter your daily sales to see your monthly revenue potential with WhaPay
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💰 Calculate Your Earnings
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Accept Payments From Anywhere
Global Cards
Accept Visa/Mastercard from 180+ countries
Multi-Currency
Settle in USD, EUR, GBP, or KES
Cross-Border
Send & receive payments internationally
AI Fraud Protection
Enterprise-grade security included
Your Payments
| Customer | Amount | Status | Date | Receipt |
|---|---|---|---|---|
Use WhaPay Even Without Internet
Register, pay, and complete transactions anytime — even offline.
Offline Registration
Register without internet – via SMS or WhatsApp.
- SMS: Send REG Your Name to 0140933042
- WhatsApp: Send "REGISTER" to 0140933042
- You receive a Temporary Code → activate via WhatsApp
- Get permanent Member Code + QR
Offline Payment (Code)
Pay using merchant's code – no internet required.
- Customer gets merchant code (e.g., DK10245)
- M-PESA → Lipa na M-PESA → Paybill/Till
- Enter Account = Merchant Code, amount, confirm
- Both receive SMS – keep as proof
- When online: send SYNC via WhatsApp to 0140933042
Printed QR Code
Display your QR – customers scan and pay, even offline.
- Print your unique QR (sent after registration)
- Customer scans → sees merchant code + Till
- Opens M-PESA manually (no internet)
- Pays using the details shown
- SMS receipt saved; sync later via WhatsApp
💡 Why Offline Matters
With WhaPay, you are not limited by internet connection. Register via voice call or SMS to 0140933042, pay using M-PESA's SMS network, and sync automatically when back online.
Register & Pay in One Step
Enter your details, complete payment, and optionally get your permanent WhaPay Member Code.
✅ Your WhaPay Setup Checklist
Complete these steps to start receiving payments today
Get your Member Code & QR code
Register via WhatsApp REGISTER to 0140933042
Print and display your QR code
Put it at your counter, on your door, or table
Generate your WhatsApp payment link
Use the link generator in your dashboard
Share your payment link on WhatsApp Status
Post it daily so customers can pay you easily
Receive your first payment
Test it yourself or ask a customer to try
Tell 3 other merchants about WhaPay
Earn KES 500 credit for every merchant you refer
🎉 You're all set! You're ready to receive payments.
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Your QR Code
Customers can scan this QR to pay you instantly via WhatsApp
Payment Link Generator
Share this link on WhatsApp, SMS, or display at your shop
❓ Frequently Asked Questions by Kenyan Merchants
How do I register my business to accept M-Pesa payments without internet in Kenya?
Three ways — no internet needed. Dial 0140933042 and follow the voice prompts, send REG YourBusinessName via SMS to the same number, or send REGISTER on WhatsApp. You receive your Merchant Code and QR instantly via SMS.
How much does it cost for a Kenyan small business to accept card payments?
Only 1.5% + KES 20 per successful card transaction. No monthly fees, no setup fees. M-Pesa payments have zero extra platform fees. The lowest-cost payment gateway for small businesses in Kenya.
Can my customers pay me via M-Pesa Paybill when they have no internet?
Yes. Customers open M-PESA → Lipa na M-PESA → Paybill → enter your Member Code as account number → enter amount → PIN. No internet needed by either party. Both receive SMS confirmation instantly.
How do I send a WhatsApp payment link to customers in Kenya?
Use the Payment Link Generator in your dashboard. Enter your Member Code and amount, click Create Link, and share via WhatsApp. Customers click the link and pay via M-Pesa STK push or card in seconds — no app download needed.
Does WhaPay work for street vendors and small shops in rural Kenya without smartphones?
Yes. WhaPay was built for low-connectivity areas. Register via voice call or basic SMS, accept payments via M-Pesa Paybill using your offline Member Code, print your QR to display at your counter, and sync records when internet is available.
What is the difference between WhaPay and Pesapal or Paystack for Kenyan merchants?
WhaPay is the only platform offering offline registration via SMS and voice call, offline payments via Member Code, and WhatsApp payment links with QR codes. Pesapal charges from KES 1,999/month. Paystack charges 2.9% + KES 10. WhaPay charges KES 0/month and only 1.5% + KES 20 per card transaction.
WhaPay Merchant Dashboard – Kenya's Offline-First Payment Platform
WhaPay is the only payment gateway in Kenya that allows merchants to register a business and accept M-Pesa payments without internet. Whether you run a grocery shop in Kisumu, a salon in Nairobi, a hardware store in Eldoret, or a market stall in Mombasa, WhaPay gives you a complete payment system that works on any phone — even a basic feature phone.
Our offline merchant registration via SMS and voice call means you don't need a smartphone or internet connection to get started. Simply dial 0140933042 or send an SMS with your business name, and receive your unique Merchant Code and QR code instantly.
Customers can pay you using M-Pesa Paybill with your Member Code, by scanning your printed QR code, or by clicking your personalized WhatsApp payment link. All three methods work without internet on the customer's side.
For merchants who want to accept Visa and Mastercard payments from international customers, WhaPay processes card payments at just 1.5% + KES 20 per transaction — significantly lower than Pesapal's 2.5%–3.5% or Paystack's 2.9% + KES 10.
WhaPay is trusted by 500+ Kenyan merchants across Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, and rural counties. Join Kenya's fastest-growing offline-first payment network today — register free via WhatsApp or call 0140933042.
🌍 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.