AfricaPayment Rail

M-Pesa
Kenya Payment Rail

East Africa's dominant mobile money platform. KES instant transfers to M-Pesa wallets in Kenya, Tanzania, and Uganda.

Pay via M-Pesa All Payment Rails

M-Pesa Key Facts

Africa Rail · Bitwage

Settlement Speed

Instant

Typical Fees

0–1%

Countries

Kenya

M-Pesa Technical Specifications

How Bitwage Uses M-Pesa

M-Pesa vs SWIFT

Full stablecoin vs SWIFT comparison

M-Pesa FAQ

Common questions about Kenya Payment Rail and how Bitwage uses it.

Other Payment Rails

USDC

SEPA

Instant (< 10 seconds) via SEPA Instant; 1 business day via SCT

PIX

SPEI

Pay via M-Pesa — Automatically

Bitwage routes payments through M-Pesawhen it's the optimal rail for your recipients. No configuration required.

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