Welcome Back, Merchant
Accept payments online via WhatsApp links & QR codes, or offline using Member Code with M-Pesa Paybill.
Today's Activity
KES 0
from 0 transactions
📡 Offline Payment Sync
0 pending offline transactions.
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.
Register Your Business
✅ Registration Successful!
Your Merchant Code:
📦 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
🛍️ WhatsApp Storefront
Add Product
Your Products
💰 Calculate Your Earnings
Customer Pays
—
WhaPay Fee
—
You Receive
—
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.
Tell Us You're ReadyMerchant Tips
❓ 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.
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 |
*Fees approximate and subject to change. WhaPay is the only platform with full offline registration and payment capability globally.
📈 Revenue Overview
Total Revenue
KES 0
Transactions
0
Avg. Transaction
KES 0
Login to see your revenue chart
🧾 Generate Invoice
⚠️ Dispute or Refund Request
If a customer disputes a payment or you need to issue a refund, submit here and we'll resolve within 24 hours.
Or WhatsApp us directly at +15556539447 with the word DISPUTE
What Merchants Say
Real feedback from WhaPay merchants
"WhaPay helped me accept payments even when my shop had no internet. My sales increased 30%."
Mary W.
Grocery Owner, Kisumu
"The WhatsApp link is so easy. My customers love it. Offline SMS registration saved me when my data ran out."
James O.
Salon Owner, Nairobi
"My customers pay using Member Code even when network is down. Very reliable for my hardware shop."
Peter K.
Hardware Shop, Eldoret
Live Activity
KES —
Processed Today
—
Active Merchants
—
Transactions Today
📈 How Much Could You Earn?
Enter your daily sales to see your monthly revenue potential with WhaPay
💱 Pay in Your Currency
See exactly what you pay in your local currency and what the merchant receives in KES
You Send
—
In KES
—
WhaPay Fee
—
Merchant Receives
—
Exchange rates are approximate. Actual rates applied at time of transaction.
Send Money Home.
Pay Family Businesses Directly.
No more Western Union queues. No more bank transfer delays. Pay Kenyan and African businesses directly from anywhere in the world using your local card.
From UK
Pay in GBP using Visa, Mastercard, Google Pay or Apple Pay. Merchant receives KES instantly.
From USA
Pay in USD using any US card or Google Pay. No SWIFT fees. No delays. Instant payment.
From UAE
Pay in AED using UAE Visa or Mastercard. Support family businesses in Kenya from Dubai.
💡 How Diaspora Payments Work
Family/merchant shares WhaPay payment link via WhatsApp
You click the link from UK/USA/UAE
Pay with your local Visa, Mastercard, Google Pay or Apple Pay
Merchant in Kenya receives KES instantly via M-Pesa
🌍 WhaPay Works In Your Country
Select your country to see how WhaPay works for you
💳 Payment Methods & Currencies
What's live now and what's coming
✅ Live Now
M-PESA
STK Push & Paybill
Visa Card
Local & international
Mastercard
Local & international
QR & Member Code
Works offline
🔜 Coming Soon — Q3 2026
📱 Mobile Money
Airtel Money
Kenya
T-Kash
Telkom Kenya
Equitel
Equity Bank Kenya
MTN MoMo
East Africa
👛 Digital Wallets
Google Pay
Global
Apple Pay
Global
PayPal
Global
Samsung Pay
Global
🌍 International Currencies (Diaspora)
USD
US Dollar → KES
GBP
British Pound → KES
EUR
Euro → KES
AED
UAE Dirham → KES
INR
Indian Rupee → KES
CAD
Canadian Dollar → KES
AUD
Australian Dollar → KES
SAR
Saudi Riyal → KES
₿ Cryptocurrency
Bitcoin (BTC)
Crypto payment
USDT
Stablecoin
USDC
Stablecoin
Ethereum (ETH)
Crypto payment
🔔 Want to know when a new payment method launches?
We'll notify you on WhatsApp the moment it goes live.
Notify Me on WhatsApp🏪 WhaPay Works For Every Business
From street vendors to enterprise — online and offline
Grocery & Retail
Shops, supermarkets, kiosks
Salons & Beauty
Hair, nails, spa services
Schools & Tuition
Fee collection, subscriptions
Landlords & Property
Rent collection, deposits
Restaurants & Food
Cafes, food stalls, delivery
E-commerce & Online
Online stores, dropshipping
Freelancers & Creatives
Designers, developers, writers
NGOs & Charities
Donations, fundraising
🇰🇪 Why Kenyan Businesses Choose WhaPay
See how we compare to other payment gateways
| Feature | WhaPay | Pesapal | Paystack | iPay |
|---|---|---|---|---|
| Offline Registration (Voice/SMS) | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Offline Payment (No Internet) | ✅ Yes (Member Code) | ❌ No | ❌ No | ❌ No |
| Monthly / Setup Fees | KES 0 | From KES 1,999 | KES 0 (higher transaction fees) | From KES 2,500 |
| Transaction Fee (Local card) | 1.5% + KES 20 | ~2.5% – 3.5% | 2.9% + KES 10 | ~2.0% – 3.0% |
| WhatsApp Payment Link | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Multi‑Currency (135+) | ✅ Yes | ⚠️ Limited | ⚠️ Limited | ❌ No |
| Offline Sync | ✅ Auto‑sync | ❌ No | ❌ No | ❌ No |
| Never Hold Funds | ✅ Yes | ❌ No | ❌ No | ❌ No |
✅ 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.
Tell Us You're ReadyMerchant Tips
📈 Revenue Overview
Total Revenue
KES 0
Transactions
0
Avg. Transaction
KES 0
Login to see your revenue chart
🧾 Generate Invoice
⚠️ Dispute or Refund Request
If a customer disputes a payment or you need to issue a refund, submit here and we'll resolve within 24 hours.
Or WhatsApp us directly at +15556539447 with the word DISPUTE
Refer a Merchant, Earn KES 500
For every merchant you refer who completes their first transaction, you both get KES 500 credit.
Media & Press Resources
Download our official logo, screenshots, and fact sheet.
📥 Download Press KitFor media inquiries: pr@whapay.space
👆 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.
Offline payments sync automatically when you reconnect – send SYNC on WhatsApp to update your dashboard.
Register & Pay in One Step
Enter your details, complete payment, and optionally get your permanent WhaPay Member Code and QR code – no separate registration needed.
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.
Go to DashboardYou have completed your payment as a guest. No account was created.
Return Home