Simple, Transparent Pricing – No Surprises
**Free registration, zero monthly fees, pay only when you get paid.** Offline registration via 0140933042 is always free. Card transactions cost 2.9% + $0.30. M-Pesa at standard Safaricom rates.
Starter
per month – forever free
- Free registration (online/offline)
- WhatsApp payment links
- QR code payments
- Offline Member Code payments
- Live transaction dashboard
- Weekly & monthly reports
- 24/7 WhatsApp support
- AI fraud detection (add‑on)
- BNPL (coming soon)
M-Pesa: Safaricom rates
Business
per card transaction – no monthly fee
- Everything in Starter
- AI fraud detection
- Buy Now, Pay Later (BNPL)
- Cross‑border settlements (coming)
- Priority support (under 1 hour)
- Advanced analytics & export
Enterprise
tailored for high‑volume merchants
- Everything in Business
- Dedicated account manager
- Custom API integrations
- Volume discounts (negotiable)
- SLA 99.99% uptime
- On‑site training (Kenya only)
Detailed Fee Breakdown – No Hidden Charges
| Service | Fee | Notes |
|---|---|---|
| Registration (WhatsApp, voice, SMS) | Free | No charge – ever. Offline number: 0140933042 |
| Card payments (Visa/Mastercard) | 2.9% + $0.30 | Per successful transaction. No monthly fee. |
| M-Pesa STK Push | Safaricom rates | WhaPay does not add extra fees. Standard M-Pesa charges apply. |
| Offline payment (Member Code + Paybill) | Safaricom rates | Customer pays via M-Pesa Paybill – no WhaPay fee. |
| QR code payments | Same as card/M-Pesa | No additional fee for QR generation or scanning. |
| AI fraud detection | Included in Business plan | Free for Business plan; custom for Enterprise. |
| Buy Now, Pay Later (BNPL) | Included in Business plan | No extra cost to merchant. Customer pays interest? (partner terms apply). |
| Cross-border settlements | Coming soon | Pricing TBD – contact sales. |
*All fees are transparent. No setup costs, no hidden charges, no monthly minimums.
Why WhaPay is the Most Affordable – Compare vs Others
| Feature | WhaPay | Paystack | Pesapal | IntaSend |
|---|---|---|---|---|
| Monthly fee | KES 0 | KES 0 | KES 0 (basic) | KES 0 |
| Card transaction fee | 2.9% + $0.30 | 2.9% + KES 30 | 2.9% + KES 20 | 2.5% + KES 20 |
| M-Pesa fee (WhaPay added) | 0% (Safaricom only) | 1% + KES 10 | ~1% + KES 10 | 0.5% + KES 10 |
| Offline registration | ✅ Free (0140933042) | ❌ | ❌ | ❌ |
| Offline payment (no internet) | ✅ Member Code + Paybill | ❌ | ❌ | ❌ |
| WhatsApp links | ✅ | ❌ | ❌ | ❌ |
| QR code payments | ✅ | ❌ | ✅ | ❌ |
*WhaPay charges **no extra fee on M-Pesa** – you only pay Safaricom's standard rates. Other platforms add 0.5‑1% on top.
Frequently Asked Questions – Pricing & Billing
❓ Is registration really free?
Yes. Registration via WhatsApp, voice call (0140933042), or SMS is completely free. You only pay when you receive a payment.
❓ Are there any monthly fees?
No. WhaPay has **zero monthly fees**. You only pay per successful transaction.
❓ How much does M-Pesa cost?
WhaPay does not add any fee on M-Pesa. You pay only the standard Safaricom rates (e.g., 1% + KES 10 for Paybill).
❓ What about card payments?
2.9% + $0.30 per successful transaction. This is the industry standard and includes Stripe's fees.
❓ Can I upgrade from Starter to Business later?
Yes. Just contact support or enable AI fraud detection from your dashboard. No contract, cancel anytime.
Start Accepting Payments Today – Free Registration
No setup fees. No monthly charges. Pay only when you earn. **Offline registration is always free.**
After registration, you'll receive a unique Member Code (e.g., DK12345) and QR code – use them to pay or receive money instantly, even without internet.