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

Pay Now Pay 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

Get Code & QR

Online/Offline via 0140933042

Share or Scan

Merchant QR or Member Code

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

Merchant Member Code *

Your Phone Number *

We'll send confirmation via WhatsApp to 0140933042.

Your Name (optional)

Amount (KES) *

Payment Method

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

👆 How WhaPay Works – Simple Steps

1️⃣

Get Your Code & QR

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.

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

Feature

WhaPay

Stripe

PayPal

Square

Adyen

Pesapal

Paystack

Flutterwave

Monthly Fee

KES 0

$0 (basic)

Custom

KES 1,999+

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

⚠️ Yes + fee

Offline Registration (SMS/Voice)

✅ Free

❌ No

Offline Payments (No Internet)

✅ Member Code

❌ No

WhatsApp Payment Links

✅ Yes

❌ No

QR Code Payments

✅ Free

✅ Yes

⚠️ Limited

135+ Global Currencies

✅ Yes

✅ 135+

✅ 100+

⚠️ Limited

✅ 150+

⚠️ KES focus

⚠️ Africa focus

✅ Africa+

Google Pay / Apple Pay

✅ Yes

❌ No

Works Without Smartphone

✅ Yes

❌ No

Recurring Billing

✅ Yes

❌ No

⚠️ Limited

Diaspora / International Transfers

✅ USD/GBP/EUR+

✅ Yes

⚠️ US only

✅ Yes

❌ No

⚠️ Limited

Pay Instantly.
Online or Offline.
No Internet Needed.

Supported Payment Methods

Complete Your Payment

Register & Pay in One Step

Payment Successful!

Supported worldwide

How WhaPay Works – 3 Steps

Pay Using Member Code

Register & Pay in One Step

Payment Successful!

👆 How WhaPay Works – Simple Steps

Accept Payments From Anywhere

Global Cards

Multi-Currency

Cross-Border

AI Fraud Protection

Accept Payments From Anywhere

Global Cards

Multi-Currency

Cross-Border

AI Fraud Protection

🌍 WhaPay vs The World's Biggest Payment Platforms

Pay Instantly. Online or Offline. No Internet Needed.

Supported Payment Methods

Complete Your Payment

Register & Pay in One Step

Payment Successful!

Supported worldwide

How WhaPay Works – 3 Steps

Pay Using Member Code

Register & Pay in One Step

Payment Successful!

👆 How WhaPay Works – Simple Steps

Accept Payments From Anywhere

Global Cards

Multi-Currency

Cross-Border

AI Fraud Protection

Accept Payments From Anywhere

Global Cards

Multi-Currency

Cross-Border

AI Fraud Protection

🌍 WhaPay vs The World's Biggest Payment Platforms

Pay Instantly.
Online or Offline.
No Internet Needed.