Pesapal

Name: Pesapal
Brand: Pesapal

East African payment gateway unifying M-Pesa, card, and NFC payments for merchants.

softwarePayment Processingkenyaeast-africampesa

What is Pesapal?

Pesapal is a payment processing platform regulated by the Central Bank of Kenya, operating across Kenya, Tanzania, Uganda, Rwanda, Zambia, Zimbabwe, and Malawi. It gives merchants unified point-of-sale hardware and online tools to accept M-Pesa, cards, and NFC payments like Google Pay. Pesapal has been operating since 2009 and holds PCI DSS and PCI PTS security certifications, with integrations into hospitality systems such as Oracle Micros and Microsoft AMX for retail and restaurant merchants.

SpecificationsAI-estimated

deploymentCloud/SaaS

open source❌ No

api available✅ Yes

support optionsDemo requests, merchant support

key integrationsM-Pesa, Oracle Micros, Microsoft AMX, Google Pay

Key Features of Pesapal

Unifies M-Pesa mobile money and card payments on a single point-of-sale device.

Supports NFC payment methods including Google Pay and Fitbit Pay.

Provides online payment tools including e-invoices and shareable payment links.

Integrates with hospitality and retail systems like Oracle Micros and Microsoft AMX.

Offers a consumer mobile app for bill payments, airtime top-ups, and event tickets.

Operates across seven East and Southern African countries under central bank regulation.

Use Cases for Pesapal

Accepting M-Pesa and cards in one device

A retail shop uses a Pesapal POS terminal to take both M-Pesa and card payments at checkout.

Sending an e-invoice for online payment

A service business emails an e-invoice with an embedded payment link to a client.

Integrating with a hotel's booking system

A hospitality property connects Pesapal to its Oracle Micros system for guest payments.

Paying bills through the consumer app

A consumer uses the Pesapal app to top up airtime and pay utility bills.

Pros & Cons of Pesapal

Pros

Long operating history since 2009 builds trust in the region
Combines mobile money and card acceptance in one device
Regulated by the Central Bank of Kenya
Covers multiple East African markets, not just Kenya

Cons

Merchant pricing is not published and requires a demo request
Strongest fit for businesses already operating in East Africa
POS hardware integration adds setup complexity for very small sellers

Frequently Asked Questions

Which countries does Pesapal operate in?

Kenya, Tanzania, Uganda, Rwanda, Zambia, Zimbabwe, and Malawi.

Is Pesapal regulated?

Yes, it is regulated by the Central Bank of Kenya and holds PCI DSS/PTS certifications.

Can Pesapal accept M-Pesa payments?

Yes, M-Pesa is supported alongside card and NFC payment methods.

How do I get merchant pricing?

Pesapal requires businesses to request a demo for merchant pricing details.

Pricing Overview

View full pricing →

Contact for Pricing

Detailed plans are not listed. Visit the official website for pricing information.

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