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Register, share your payment link or QR, and start receiving payments. Works for merchants and customers — online or offline — anywhere in Kenya or worldwide.

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WhatsApp, SMS or voice call to 0140933042. Get Member Code + QR instantly.

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Share WhatsApp link, print QR code or give customers your Member Code.

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Customer pays via M-Pesa, card or offline. Both get instant confirmation.

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Legal Agreement

Terms of Service

Please read these terms carefully before using WhaPay services

Last updated: April 2026 Version 2.0

Terms of Service

Last updated: April 2026

Welcome to WhaPay! By using our website, WhatsApp bot, SMS service, voice registration line (0140933042), or payment services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use our services.

1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement. Merchants must be legally registered businesses or sole proprietors operating in Kenya (or other supported regions). By using WhaPay, you represent that you meet these eligibility requirements.

2. Registration & Account

You must provide accurate and complete information (name, phone number, business name).
You are responsible for safeguarding your Member Code and QR code. Do not share them with unauthorized parties.
You may not transfer your account to another person or entity.
We reserve the right to suspend or terminate accounts that violate these Terms or applicable laws.

3. Payments & Fees

Transactions are processed via M-Pesa (Safaricom) or Stripe (cards). Fees are displayed at checkout and on our Pricing page.
Merchants are responsible for any chargebacks, refunds, or disputes with customers.
WhaPay charges a transaction fee (e.g., 2.9% + $0.30 for cards). M-Pesa transactions incur standard Safaricom rates; WhaPay does not add extra fees on M-Pesa.
Offline payments via Member Code + M-Pesa Paybill may incur standard M-Pesa charges. WhaPay does not charge additional fees for offline payments.
All fees are non‑refundable except as required by law.

4. Prohibited Transactions

You may not use WhaPay for illegal activities, including but not limited to:

Fraud, money laundering, or terrorist financing.
Sale of prohibited goods (drugs, weapons, counterfeit products, unlicensed firearms).
Gambling, pyramid schemes, or unlicensed financial services.
Adult content or services without proper age verification.
Any transaction that violates Kenyan or international law.

Violation may result in immediate account termination and reporting to relevant authorities.

5. Offline Payments & Sync

Offline payments made via Member Code + M-Pesa Paybill are recorded via SMS. It is your responsibility to sync these transactions by sending SYNC on WhatsApp when you regain internet. WhaPay is not liable for unsynced or lost SMS records. We recommend keeping M-Pesa SMS receipts as proof of payment.

6. Intellectual Property

All content, logos, trademarks, and software on the WhaPay platform are owned by WhaPay Solutions or its licensors. You may not copy, modify, distribute, reverse‑engineer, or create derivative works without explicit written permission. "WhaPay" and the WhaPay logo are registered trademarks.

🌍 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.

Legal & Operational Model

How WhaPay Works – Legally Explained

WhaPay is a technology platform that connects customers and merchants. We never handle, hold, or settle money. We only provide payment instructions and links – the actual payment goes directly from the customer to the merchant.

Customer Perspective (You are paying)

Step	What Happens	Who Handles Money
1	You enter the merchant's Member Code (e.g., DK12345) and amount on WhaPay.	❌ WhaPay does not touch your money.
2	WhaPay shows you the merchant's Paybill/Till number or generates a payment link.	❌ WhaPay does not touch your money.
3	You open your own M-Pesa app or your own card (Stripe/Pesapal) and complete the payment.	✅ Your bank, M-Pesa, or card company processes the payment.
4	The money goes directly from your account to the merchant's account.	✅ The merchant receives the money directly.
5	WhaPay receives a confirmation (via SMS webhook or API) and updates your dashboard.	❌ WhaPay never held your money.

Key point: You pay the merchant directly. WhaPay is just the messenger that tells you how to pay.

Merchant Perspective (You are receiving payment)

Step	What Happens	Who Handles Money
1	You register on WhaPay and receive a Member Code (e.g., DK12345) and a QR code.	❌ WhaPay does not take any money from you.
2	You share your Member Code or QR code with customers.	❌ WhaPay does not take any money from you.
3	Customer follows the payment instructions (M-Pesa Paybill or card link).	✅ The money goes directly into your M-Pesa or bank account.
4	You receive an SMS or WhatsApp confirmation from your bank or M-Pesa.	✅ You confirm the payment yourself.
5	WhaPay's dashboard shows the transaction (by reading the confirmation or your manual entry).	❌ WhaPay never held your customer's money.

Key point: You receive money directly into your own account. WhaPay never sits between you and your customer's payment.

M-Pesa Payments (Offline & Online)

📱 Paybill: WhaPay shows the merchant's Paybill/Till number and your Member Code as the account number. You open M-Pesa, enter those details, and pay. Money goes directly from your M-Pesa → Safaricom → Merchant's Paybill account. WhaPay is not involved.

⚡ STK Push: WhaPay generates a payment request. Safaricom sends you a prompt on your phone. You enter your PIN. Money goes directly from your M-Pesa → Safaricom → Merchant's account. WhaPay only initiated the request, never touched the money.

📡 Offline (No Internet): You dial a USSD code, enter the merchant's Paybill number and your Member Code as the account number. Same as above – direct from your M-Pesa to the merchant.

Key point: In every M-Pesa transaction, the money moves directly from your Safaricom account to the merchant's Safaricom account. WhaPay is simply the directory that provides the correct numbers.

Card Payments (Visa, Mastercard, etc.)

Step	What Happens	Money Route
1	WhaPay generates a secure payment link or redirects you to the merchant's checkout page.	❌ WhaPay does not process the card.
2	You enter your card details on Stripe, Pesapal, or the merchant's own payment gateway.	✅ Your card network (Visa, Mastercard) processes the payment.
3	The money goes directly from your card to the merchant's bank account.	✅ The merchant receives the funds directly.
4	WhaPay receives a confirmation from the payment gateway and updates your dashboard.	❌ WhaPay never held your card details or the money.

Key point: WhaPay does not have a merchant account with Visa or Mastercard. We simply link you to the merchant's existing card payment provider.

The Member Code – What It Is and Is Not

❓ What is the Member Code?
A unique identifier (e.g., DK12345) that helps the merchant know which customer paid. It is like a reference number on a bank deposit slip.

💰 Does the Member Code hold money?
No. It is just a label or account number. The money goes directly to the merchant's Paybill/Till.

🏦 Is the Member Code a bank account?
No. It is not a bank account, wallet, or stored value. You cannot withdraw from it.

🤔 Why do I need a Member Code?
It allows the merchant to match your payment to your order. Without it, they would not know who paid.

🔄 Can I use my Member Code to receive money?
Yes – you give your code to a customer. They enter it as the account number when paying via M-Pesa Paybill. The money goes directly to your M-Pesa account.

Key point: The Member Code is like an email address or a reference number. It is not a wallet, not a bank account, and does not store value.

Why WhaPay Does Not Need a CBK License

✅ What WhaPay Does

• Provides payment instructions (Paybill numbers, links)
• Generates QR codes and Member Codes (reference numbers)
• Displays transaction history (from merchant's or customer's own records)
• Sends payment reminders and receipts
• Connects customers to the merchant's existing payment gateways

❌ What WhaPay Does NOT Do

• Never holds customer money
• Never settles transactions between parties
• Never takes money into WhaPay's bank account
• Never offers escrow, lending, or BNPL
• Never processes card payments directly

Because WhaPay never holds or settles money, we are a pure technology provider – not a financial services provider. Under Kenyan law, we do not require a Payment Service Provider (PSP) license from the Central Bank of Kenya.

What Would Require a License (We Do Not Do This)

Activity	Why It Requires a License
Accepting money into WhaPay's bank account before sending it to the merchant	We would become a custodian of customer funds.
Holding a balance for merchants (e.g., a wallet)	That is a deposit‑taking activity.
Settling payments – receiving from customer, then paying the merchant	That is the definition of a payment service provider.
Offering escrow services (holding money until goods are delivered)	That is a regulated financial service.
Lending money or offering Buy Now Pay Later (BNPL)	The Business Laws (Amendment) Act 2024 requires licensing.

WhaPay does not, and will not, do any of these things without first obtaining the proper license.

Summary for Your Customers and Merchants

Is my money safe with WhaPay?
Your money never goes to WhaPay. It goes directly from you to the merchant via M-Pesa or card networks.

Does WhaPay hold my funds?
No. Never.

Is WhaPay licensed?
As a pure technology provider, we do not need a CBK license.

What if I have a dispute with a merchant?
You must resolve it directly with the merchant. WhaPay is not involved in the actual payment.

Can WhaPay freeze or reverse a payment?
No. Only your bank or M-Pesa can do that.

Who processes my card payment?
Stripe, Pesapal, or the merchant's own payment gateway – not WhaPay.

📝 Legal Disclaimer

WhaPay Technologies is a technology platform that facilitates payment information between customers and merchants. WhaPay does not process, settle, or hold any funds. All payments are made directly from the customer to the merchant via third‑party payment processors (M‑Pesa, Visa, Mastercard, Stripe, Pesapal, etc.). WhaPay is not a bank, not a payment service provider, and does not require a Central Bank of Kenya license under the current regulatory framework. If you have a dispute with a merchant, you must resolve it directly with that merchant. WhaPay is not liable for any payment disputes.