Living in Kenya, I’ve witnessed firsthand the incredible rise of mobile payment apps in Kenya and how they have transformed the way we conduct transactions. As we approach 2024, these digital solutions have become vital for managing finances, allowing users to send money, pay bills, and shop with just a few taps on their smartphones.
In this article, I’ll highlight my top ten mobile payment apps that are shaping the financial landscape in Kenya. Each app comes with its own unique features and advantages, catering to various needs. Whether you’re a local resident or a visitor, these apps can significantly enhance your payment experience. Let’s dive in!
1. Pesapal
Pesapal is a mobile payment app that allows users to make payments anywhere, at anytime. Partnered with Visa International and MasterCard, Pesapal is one of the leading digital payment service providers in Kenya. Use this app to make a wide variety of payments online using your credit or debit cards. Additionally, Pesapal users can also buy airtime, pay bills, book flights and much more using this app. It is one of the most popular payment apps in Kenya.
2. PayPal
Despite being an international payment app, PayPal is incredibly popular in Kenya. In fact, it is one of the most used mobile payment apps in the country. PayPal is an international digital wallet that allows you to make payments, buy online, and receive money through your phone. It’s also available in over 200 countries, making it one of the best mobile payment apps in terms of scaling. Whether you want to use an app for personal use or business, PayPal offers services that are conventional for both.
3.Ipay
Ipay is a cutting-edge, mobile payment app that accepts payments made by Visa, MasterCard, Kenswitch, MPESA, Airtel money and more. Moreover, Ipay allows you to accept payments online or in-stores. Additionally, people using Ipay for personal use can also make donations and pay bills using this app. It is an innovative end-to-end payment processing app that works both in-store and online.
4. Tingg
Tingg provides the widest range of features using which users can make a variety of digital payments directly from their smartphones. From paying bills, transferring money to making group payments and investments, Tingg offers everything. Additionally, Tingg connects all of your digital money, debit and credit cards, and bank accounts into one wallet. This allows you to make safe and secure transactions from anywhere in Kenya.
5. Wapipay
Wapipay is the first Africa-Asia payment platform in the world that makes mobile payments simple and convenient. This is an all-in-all payment app that supports B2B payments, merchant payments, P2P payments and mass payments. Furthermore, this payment app also allows users to send remittances at a charge of just 3%, in a quick way. Wapipay has no hidden costs and is convenient for personal use or for businesses trying to expand and grow.
6. JamboPay
JamboPay is a safe and efficient way to send and receive digital payments online. Use this app to pay bills or make online purchases through your phones, seamlessly. Moreover, JamboPay allows customers to also make payments like county bills, taxes, and phone recharge. It is one of the best mobile payment platforms in Kenya that constantly strives to come up with simplistic digital payment solutions.
7. Dumapay
Dumapay is the first payment app in Africa to have numerous payments methods. Now, it is supported by more than 25,000 merchants across Africa. This Kenyan-based payment app allows its users to pay and receive payments in any location, at any time. The best features of Dumapay are instant payment transactions, multiple currency support, transaction history, seamless integration and top-class security.
8. PayU
PayU is an international payment app that also offers digital services in Kenya. Its app also merchants to track and receive payments seamlessly. It enables consumers who are not covered by any conventional banks to access credit in a manner that is convenient for them while also removing the risk for merchants. Moreover, PayU allows merchants to create invoices and payments links to send to consumers as well.
9. Payoneer
Payoneer is an international payments processing app that enables its customers to make overseas payments, transfer money, get funds, and manage their businesses, among other things. Other services offered by Payoneer include acquiring accounts, requesting payments, open market accessibility, bank withdrawals, and much more. It is also an amazing app to receive payments from digital freelance works.
10. Skrill
Skrill is an incredible payment app that allows users to make and receive fast and secure payments instantly. You can use your credit or debit cards and bank transfer to add money to your Skrill account, then start transferring it locally or internationally. Use Skrill to make payments online or send money to your loved ones. Moreover, money received through Skrill can be easily transferred to your bank accounts as well. Skrill’s popularity in Kenya is definitely increasing due to the growing number of international and online businesses in the country.
Choosing the best payment app from this list really depends on your preferences. If you are looking for an app to conduct personal payments and send money, then go for apps like Pesapal Tingg or Ipay. However, if you are looking for apps that serve a wide range of financial functions, including handling of business payments, then apps like Wapipay and PayPal are great options.
