No Internet? No Problem
Pay Offline – Any Method
No data? No problem. Pay using M-Pesa or save card details for offline use.
Offline M-Pesa
No internetHow to pay:
- Open M-Pesa app (works without data)
- Go to Lipa na M-Pesa → Paybill
- Enter Business Number: 0140933042
- Enter Account: Merchant's Member Code (e.g., DK12345)
- Enter Amount → PIN → Confirm
Money goes directly to merchant – WhaPay never holds your cash
Offline Card
Saved cardsHow to pay (once card is saved):
- Enter merchant's Member Code: DK12345
- Enter amount → Choose "Saved Card"
- Select your card → Enter CVV
- Payment completes instantly – no internet needed
Save your card once, pay offline anytime
First time? Save your card for offline payments
Your card is tokenized and stored securely. You only need to save once.
Global Payment Network
Pay Anyone,
Anywhere
Pay using a merchant's Member Code, phone number, Paybill, or Till number. Works online and offline.
1.5% + KES 20 per card
M-Pesa: 0% extra
180+ countries
Offline registration:
0140933042
(voice or SMS)
0140933042
Choose Payment Type
Visa
Mastercard
M-Pesa
Bank Transfer
No internet? Use Member Code directly in M-Pesa Paybill: Account = Merchant Code
PCI DSS Level 1
256-bit SSL
24/7 Support
Global Payments
🌍 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.