M-Pesa Payments
in Kenya
Mobile money payout via Kenya's dominant M-Pesa platform.
M-Pesa in Kenya
Kenyan Shilling · KES
Contractor must provide their M-Pesa registered phone number.
Payment Journey
You fund in USD, stablecoin, or BTC — your contractor in Kenya chooses how they receive it.
Fund your Bitwage Balance
USD via wire/ACH/FedNow, stablecoin (USDC/USDT), or BTC. Fund once — use for all payments.
Create a payment run
Add your Kenya contractor(s) to a batch or individual payment. Set the amount in USD — Bitwage handles everything else.
Converts & delivers via M-Pesa
FX rate locks at approval. Bitwage converts USD → local currency and routes the payment via M-Pesa. Compliance screened automatically.
Funds arrive via M-Pesa
Settlement: < 5 minutes. Fees: 0.5–1.5%. Contractor can also choose USDC, USDT, or Bitcoin instead — they set their preference once.
How M-Pesa Works in Kenya
Bitwage converts USD to KES and routes the payment through the M-Pesa B2C API. The contractor receives an SMS notification and can access funds immediately on their mobile wallet.
Compliance & Security
Kenya requires foreign income to be declared with the Kenya Revenue Authority (KRA). Bitwage screens all payments against OFAC and UN sanctions lists.
The KES is relatively stable but subject to periodic depreciation. Bitwage locks the USD/KES rate at execution time.
M-Pesa in Kenya FAQ
Common questions about M-Pesa payments, settlement, fees, and requirements.
M-Pesa payments to Kenya typically settle in < 5 minutes. Bitwage locks your FX rate lock at execution time so recipients receive exactly the amount shown in the payment preview.
Bitwage charges 0.5–1.5% for M-Pesa payments to Kenya. There are no hidden per-transfer fees beyond the displayed rate. You can see the full cost breakdown before executing via our {{link:products/contractor-payments}} platform.
Contractor must provide their M-Pesa registered phone number. Bitwage validates all payment details before executing. For batch payments to multiple contractors, use {{link:products/masspay}} to upload a CSV with all recipient details at once.
Yes. With {{link:products/masspay}} you can include any number of Kenya-based contractors in a single payment run, mixing M-Pesa with other local rails. All FX conversions are locked at batch payment processing execution time.
Start Sending M-Pesa Payments to Kenya
Settlement in < 5 minutes. Fees from 0.5–1.5%. OFAC screened on every payment.