0140933042 support@whapay.space Serving 180+ countries
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WhaPay
Register Free
Customer making mobile payment at shop
3 Ways to Pay

Pay Instantly.
Online or Offline.
No Internet Needed.

Pay any WhaPay merchant using a WhatsApp link, QR code scan or offline Member Code via M-Pesa Paybill. Works on any phone — smartphone or basic feature phone — from Kenya or anywhere in the world.

WhatsApp Link QR Code Scan Member Code Offline
WhatsApp Link
Click merchant's link → choose M-Pesa or card → pay in seconds. Works from any country.
✓ Online
Scan QR Code
Scan merchant's printed QR → payment page opens → enter amount → pay instantly.
✓ Online
Member Code — Offline
M-Pesa → Lipa na M-Pesa → Paybill → enter Member Code → amount → PIN. No internet at all.
✓ Works Offline
Paying from UK, USA, UAE or anywhere? Use WhatsApp link and pay with your local Visa, Mastercard or Google Pay.

Trusted Worldwide

Visa
Mastercard
Amex
PCI DSS Level 1
WhatsApp Business
256-bit SSL
GDPR Compliant Data Protection Act ISO 27001 Certified

Supported Payment Methods

One integration, multiple payment options worldwide

Visa Mastercard M-Pesa PayPal +50 more

Complete Your Payment

Pay with M-Pesa or credit/debit card. New? Register & pay in one step – get your Member Code instantly.

1.5% + KES 20 per card
M-Pesa: 0% extra
Offline payments
Global cards accepted
Offline registration: 0140933042 (voice or SMS) 0140933042
+50 methods

Supported worldwide

Visa, Mastercard, M-Pesa, PayPal, Amex, and 50+ global payment options. One integration, seamless cross-border settlements.

1.5% + KES 20 cardM-Pesa 0% extraAI fraud protection

How WhaPay Works – 3 Steps

1

Get Code & QR

Online/Offline via 0140933042

2

Share or Scan

Merchant QR or Member Code

3

Pay & Confirm

M-Pesa/Card + instant receipt

Offline payments via Paybill 0140933042
PCI DSS Level 1 256-bit SSL GDPR Compliant Cross-border settlements

Pay Using Member Code

We'll send confirmation via WhatsApp to 0140933042.

No internet? Use Member Code directly in M-Pesa: Paybill 0140933042 → Account = Merchant Code

👆 How WhaPay Works – Simple Steps

1️⃣

Get Your Code & QR

Register online (WhatsApp) or offline (voice/SMS to 0140933042). Receive your unique Member Code and QR code instantly.

2️⃣

Share or Scan

Merchant shares their WhatsApp link, QR code, or Member Code. Customer scans or copies the code.

3️⃣

Pay & Confirm

Pay via M-Pesa or card (online) or Member Code + M-Pesa Paybill (offline). Both receive instant confirmation.

Global Capabilities

Accept Payments From Anywhere

Send and receive money across borders with our global payment infrastructure

Global Cards

Accept Visa, Mastercard, Amex from 180+ countries

Multi-Currency

Settle in USD, EUR, GBP, KES, and 50+ currencies

USD EUR GBP KES

Cross-Border

Send & receive payments internationally with transparent FX rates

No hidden fees

AI Fraud Protection

Enterprise-grade security with real-time fraud detection

24/7 monitoring
Global Capabilities

Accept Payments From Anywhere

Send and receive money across borders with our global payment infrastructure

Global Cards

Accept Visa, Mastercard, Amex from 180+ countries

Multi-Currency

Settle in USD, EUR, GBP, KES, and 50+ currencies

USD EUR GBP KES

Cross-Border

Send & receive payments internationally with transparent FX rates

No hidden fees

AI Fraud Protection

Enterprise-grade security with real-time fraud detection

24/7 monitoring

Trusted Worldwide

Visa
Mastercard
Amex
PCI DSS Level 1
WhatsApp Business
256-bit SSL
GDPR Compliant Data Protection Act ISO 27001 Certified

🌍 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.

Register Free on WhaPay