How much does WhaPay charge per M-Pesa transaction in Kenya?

WhaPay charges zero extra fees on M-Pesa transactions. You only pay Safaricom's standard Paybill rates. WhaPay is the most affordable M-Pesa payment gateway for small businesses in Kenya, Uganda and East Africa.

What is the transaction fee for accepting Visa or Mastercard payments globally through WhaPay?

WhaPay charges 1.5% plus KES 20 (approximately $0.15 USD) per successful Visa or Mastercard transaction. There are no monthly fees, no setup fees and no hidden charges. This is lower than Pesapal at 2.9% plus KES 20 and Paystack at 2.9% plus KES 30.

Can international customers from the USA, UK or UAE pay Kenyan merchants through WhaPay?

Yes. WhaPay accepts Visa and Mastercard from over 180 countries including the USA, UK, UAE, India, Canada and Australia. International customers can pay in USD, GBP, EUR, AED, INR and 135+ other currencies. The merchant receives the equivalent amount settled in KES.

Is there a monthly fee to use WhaPay as a merchant in Kenya or internationally?

No monthly fees on the Starter plan. You only pay 1.5% plus KES 20 per successful card transaction. The Business plan at KES 999 per month gives lower card fees of 1.2% plus KES 15 and includes API access, webhooks, invoicing and recurring billing.

How much does it cost to register as a WhaPay merchant without internet in Kenya?

Registration is completely free. Register offline by dialing 0140933042 and following the voice prompts, or by sending REG YourBusinessName via SMS to the same number. You receive your unique Merchant Code and QR code instantly at no cost.

Which is cheaper for merchants in Africa, WhaPay or Pesapal or Paystack?

WhaPay is cheaper. WhaPay charges 1.5% plus KES 20 per card transaction with zero monthly fees. Pesapal charges 2.9% plus KES 20. Paystack charges 2.9% plus KES 30. WhaPay also adds zero extra fees on M-Pesa, while other platforms add 0.5% to 1% on top of Safaricom rates.

Can Kenyan diaspora in the UK, USA or UAE send money to merchants in Kenya using WhaPay?

Yes. WhaPay supports international payments from the UK (GBP), USA (USD), UAE (AED), Canada (CAD), Australia (AUD) and 135+ other currencies. Diaspora customers can pay Kenyan merchants using their local Visa or Mastercard and the merchant receives KES instantly.

Does WhaPay support Google Pay and Apple Pay for international customers?

Yes. WhaPay supports Google Pay, Apple Pay, Samsung Pay and PayPal for international customers. These digital wallets allow customers from any country to pay Kenyan and African merchants instantly without entering card details manually.

Transparent pricing for Kenyan merchants

Simple Transparent Pricing

Pay Only When
You Get Paid.
Zero Monthly Fees.

Name: WhaPay Global Payment Platform
Brand: WhaPay

No setup costs. No monthly charges. No hidden fees. Just 1.5% + KES 20 per card transaction — the lowest rate in Kenya. M-Pesa at Safaricom rates only. WhaPay adds nothing.

Start Free See Plans

Card Transaction Fee

1.5%

+ KES 20 flat

Monthly Fee

KES 0

Forever free

M-Pesa Platform Fee

Safaricom rates only

Transparent Pricing • No Hidden Fees

Simple, Transparent
Pricing

Free registration, zero monthly fees, zero daily fees. You pay only when you receive a payment. Offline registration via 0140933042 is always free.

Start for Free →

Offline: 0140933042

No setup costs

No minimum transactions

Cancel anytime

💱 Pay in Your Currency

See exactly what you pay in your local currency and what the merchant receives in KES

Your Currency

Amount

Payment Method

Exchange rates are approximate. Actual rates applied at time of transaction.

SIMPLE & TRANSPARENT

Pay as you grow

1.5% + KES 20

per card transaction – no zero monthly fees, zero daily fees

What's included

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

What you pay

Card payments: 1.5% + KES 20
M-Pesa payments: Safaricom rates only (WhaPay adds 0%)
Offline payments: Safaricom rates only
Monthly fee: KES 0
Daily fee: KES 0
Registration: Free

No setup costs. No hidden charges. No minimum transactions.

Start Accepting Payments →

Detailed Fee Breakdown – No Hidden Charges

Service	Fee	Notes
Registration (WhatsApp, voice, SMS)	Free	No charge – ever. Offline number: 0140933042
Card payments (Visa/Mastercard)	1.5% + KES 20	Per successful transaction. No monthly fee.
M-Pesa STK Push	Safaricom rates only	WhaPay does not add extra fees. Standard M-Pesa charges apply.
Offline payment (Member Code + Paybill)	Safaricom rates only	Customer pays via M-Pesa Paybill 0140933042 – no WhaPay fee.
QR code payments	Same as card/M-Pesa	No additional fee for QR generation or scanning.
AI fraud detection	Included	Free for all merchants.
Buy Now, Pay Later (BNPL)	Included	Coming soon – no extra cost to merchant.
Monthly / Daily fees	KES 0	No subscription fees. Pay only when you earn.

*All fees are transparent. No setup costs, no hidden charges, no monthly minimums, no daily fees.

📊 How Much Do You Save With WhaPay?

Compare your monthly costs against Pesapal, Paystack and Stripe

Your Monthly Card Transaction Volume (KES)

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	1.5% + KES 20	2.9% + KES 30	2.9% + KES 20	2.5% + KES 20
M-Pesa extra fee	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	✅	❌	❌	❌

*WhaPay charges no extra fee on M-Pesa – you only pay Safaricom's standard rates. Other platforms add 0.5‑1% on top.

For Customers – Always Free

WhaPay customers never pay any fees. Send money, pay merchants, and request payments – all free.

Registration

Free (online or offline)

Send Payment

Free

QR Code

Free

👆 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. Free.

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 0140933042 (offline). Both receive instant confirmation. Merchant pays 1.5% + KES 20 only on card.

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 or daily fees?

No. WhaPay has zero monthly fees and zero daily 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?

1.5% + KES 20 per successful transaction. This covers Stripe's fees plus WhaPay's service fee.

❓ Do customers pay any fees?

No. Customers never pay any fees to use WhaPay. Registration, sending payments, scanning QR codes – all free.

❓ Can I cancel anytime?

Yes. No contracts, no cancellation fees. You only pay for transactions you actually processed.

Limited Time Offer

Start Accepting Payments Today

No setup fees. No monthly charges. No daily fees. Pay only 1.5% + KES 20 per card transaction. Offline registration is always free.

WhatsApp Registration Voice Call Registration SMS Registration

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.

WhaPay – Global Payment Gateway with Africa's Lowest Transaction Fees

WhaPay is a global payment platform built for merchants in Kenya, Uganda, Tanzania, Nigeria, Ghana and beyond, while also accepting payments from customers in the USA, UK, UAE, Canada, Australia, India and Saudi Arabia. Whether your customer is paying from Nairobi or New York, WhaPay processes it in seconds.

For Kenyan merchants, WhaPay offers the lowest card transaction fee in the market — just 1.5% + KES 20 (approximately $0.15 USD) per successful transaction. There are zero monthly fees, zero daily fees and zero setup costs. M-Pesa transactions carry no WhaPay platform fee — you only pay Safaricom's standard Paybill rate.

For international merchants and diaspora payments, WhaPay accepts 135+ currencies including USD, GBP, EUR, AED, INR, CAD, AUD, SAR, CNY, JPY, NGN and ZAR. International customers can pay using Visa, Mastercard, Google Pay, Apple Pay, Samsung Pay and PayPal. The merchant receives the equivalent amount in KES or their local currency.

WhaPay is the only payment gateway in Africa that offers both online and offline payment acceptance. Merchants in rural Kenya, Uganda, Tanzania or anywhere with poor internet connectivity can still register via voice call or SMS to 0140933042 and accept payments using the offline Member Code + M-Pesa Paybill system — no smartphone or internet required.

Compared to other African payment gateways, WhaPay offers significantly lower fees. Pesapal charges 2.9% + KES 20 per card transaction. Paystack charges 2.9% + KES 30. IntaSend charges 2.5% + KES 20. WhaPay charges just 1.5% + KES 20 — saving merchants thousands of shillings every month on high-volume transactions.

Whether you are a small grocery shop in Kisumu, a tech startup in Nairobi, an e-commerce store serving African diaspora in the UK, or a large enterprise processing millions in transactions, WhaPay has a plan for you. Register free via WhatsApp, call 0140933042, or send an SMS with your business name to get started in minutes.

🌍 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.

Pay Only WhenYou Get Paid.Zero Monthly Fees.

Simple, Transparent Pricing