Pesapal Kenya: Payment Services, Contacts and Location

Pesapal Kenya is a financial technology company that enables businesses to collect and manage digital payments online and at physical locations.

Founded in 2009, Pesapal provides payment processing services for businesses in sectors including retail, hospitality, travel, education, fuel distribution and e-commerce. Its products allow merchants to accept mobile money and card payments through websites, payment links, invoices, applications and point-of-sale terminals.

The company is licensed by the Central Bank of Kenya as a payment service provider. Pesapal also operates in Uganda, Tanzania, Rwanda and Zambia through locally regulated businesses.

Company Overview

Pesapal describes itself as having more than 300 employees across five African countries. The company has also stated that its long-term goal is to connect one million African entrepreneurs and customers to electronic payments, e-commerce and the wider financial system by 2030.

Pesapal Services

Online Payment Gateway

Pesapal’s online payment gateway enables businesses to accept payments through websites, mobile applications and other digital platforms.

A merchant can integrate Pesapal into an online store, booking platform or business system using the company’s application programming interfaces and checkout tools.

Depending on the business, customers may be able to pay using:

• M-Pesa
• Visa cards
• Mastercard cards
• Other supported mobile-money services
• Local or international payment methods available in their country

Supported methods, currencies and settlement arrangements vary according to the merchant’s location and account configuration.

Payment Links and Online Invoices

Businesses without full e-commerce websites can use payment links or digital invoices to request money from customers.

The merchant sends the customer a payment request, and the customer completes the transaction through the supported Pesapal checkout page.

This option can be useful for consultants, accommodation providers, schools, professional firms and small businesses that sell through social media or messaging platforms.

M-Pesa Payments

Pesapal allows Kenyan merchants to accept M-Pesa alongside card payments.

The integration can reduce the need for a business to reconcile mobile-money and card transactions using completely separate systems. Available settlement times and charges depend on the merchant agreement.

Pesapal introduced real-time merchant settlement in Kenya in 2023, allowing qualifying businesses to access collected funds more quickly.

Card Payments

Businesses can use Pesapal to collect eligible debit and credit card payments online or through physical terminals.

The company’s Sabi terminals support Visa and Mastercard payments. Some terminals also support contactless, chip-and-PIN and magnetic-stripe transactions, depending on the model.

Merchants should confirm transaction fees, supported currencies, chargeback procedures and settlement schedules before opening an account.

Sabi POS Terminals

Pesapal Sabi is the company’s point-of-sale product for accepting in-person card and mobile-money payments.

The terminals are designed for businesses such as:

• Shops and supermarkets
• Restaurants and cafés
• Hotels
• Pharmacies
• Petrol stations
• Delivery companies
• Event organizers
• Professional-service firms

Pesapal says its Sabi terminals can connect through mobile data or Wi-Fi and provide transaction reporting through a merchant dashboard.

Businesses must create a Pesapal merchant account, provide the required legal documents and sign a merchant agreement before processing payments. Terminal delivery can take several business days depending on the customer’s location.

RACK Business Management System

Pesapal offers an integrated point-of-sale and business-management solution through RACK.

The platform helps merchants manage operations beyond collecting payments. Available capabilities include:

• Inventory tracking
• Sales reporting
• Cashier management
• Branch management
• Stock transfers
• Product management
• Business-performance monitoring

The multi-branch function allows a company to monitor several outlets from a single dashboard and transfer stock between locations.

Actual features may depend on the merchant’s package, industry and chosen hardware.

Reserveport for Hotels

Reserveport is Pesapal’s hospitality technology platform.

It provides a cloud-based reservation system and booking engine that allows hotels and other accommodation providers to receive direct bookings, manage availability and process guest payments.

The system is intended to help businesses coordinate bookings from different sales channels while reducing manual administration.

Reserveport may be suitable for:

• Hotels
• Resorts
• Lodges
• Serviced apartments
• Guest houses
• Tour and accommodation businesses

Businesses should confirm which property-management systems and online travel platforms can be connected.

Ticketsasa Event Ticketing

Pesapal’s ecosystem also includes Ticketsasa, a platform for selling and managing event tickets.

Event organizers can use the service to publish events, collect online payments and manage attendance. The precise charges and organizer requirements depend on the event and merchant agreement.

Fuel and Fleet Payment Technology

Pesapal provides payment and automation tools for petrol stations and fleet operators.

Its products can help businesses process payments, monitor fuel transactions and manage vehicle-related spending. The company said in 2025 that its wider network connected more than 50,000 merchants across Kenya, Uganda, Tanzania, Rwanda and Zambia. This is a company-published figure rather than an independently audited market total.

Payment API Integration

Developers can integrate Pesapal into websites, mobile applications and business platforms through its payment APIs.

Typical integration functions include:

• Initiating transactions
• Redirecting customers to checkout
• Receiving payment notifications
• Checking transaction status
• Processing recurring business workflows
• Connecting payment records to internal systems

Businesses handling sensitive customer information should follow Pesapal’s security requirements and avoid storing card details unless they have the necessary technical and regulatory controls.

Merchant Registration Requirements

A company or individual applying for a Pesapal merchant account may be asked to provide identification and business documents.

Requirements can include:

• National identification or passport
• Business registration documents
• Kenya Revenue Authority PIN
• Bank account information
• Company director details
• Business permits
• Website or application details
• Description of products or services sold

Additional documentation may be required for regulated or higher-risk industries.

Account approval is not automatic. Pesapal may review the applicant’s business model, ownership, transaction patterns and regulatory obligations before enabling payments.

Regulation and Licensing

Pesapal Limited is regulated by the Central Bank of Kenya.

The Central Bank confirmed that it had authorized Pesapal to conduct payment service provider business, and Pesapal continues to identify itself as a regulated payment provider on its official website.

The wider Pesapal group also states that its operations are regulated by the relevant central banks in Uganda, Tanzania, Rwanda and Zambia.

Regulation does not remove every commercial or operational risk. Merchants should still review settlement terms, dispute procedures, service availability and transaction charges.

Pesapal Leadership

Agosta Liko is Pesapal’s co-founder and chief executive officer.

He has led the company as it expanded from an online payment platform into a broader financial-technology business offering point-of-sale equipment, hospitality systems, merchant tools and financing-related services.

Some older company materials describe Liko as executive director, but more recent official announcements identify him as co-founder and CEO.

Working Hours

The submitted business information lists the following general office hours:

These hours were not displayed on Pesapal’s current official contact page during verification. Customers should call before visiting, particularly on public holidays.

The online payment platform operates beyond physical office hours, although scheduled maintenance, connectivity problems or banking-system interruptions can temporarily affect transactions.

Pesapal Kenya Location

Pesapal’s official contact page lists its Nairobi office at:

Kabarnet Lane, next to St. Nicholas Senior School, Nairobi, Kenya

Postal Address: P.O. Box 1179–00606, Nairobi

The company also lists a Kenyan office at Amal Plaza on Links Road in Nyali, Mombasa.

Visitors should contact Pesapal for directions or an appointment before travelling to either location.

Contact Information

Company: Pesapal Limited

Phone: +254 709 219 000

Email: [email protected]

Website: pesapal.com

Nairobi Address: Kabarnet Lane, next to St. Nicholas Senior School, Nairobi

Postal Address: P.O. Box 1179–00606, Nairobi, Kenya

Pesapal’s official website currently uses [email protected] as its general Kenyan contact email rather than [email protected].

Why Businesses Use Pesapal

Pesapal combines online payment processing with physical point-of-sale tools and business-management products.

Its main advantages include:

• Acceptance of mobile-money and card payments
• Online and in-person payment options
• Local regulatory authorization
• Merchant reporting tools
• Integration APIs
• Hospitality and ticketing solutions
• Inventory and branch-management capabilities
• Operations across several African markets

A business should nevertheless compare Pesapal with other providers based on transaction charges, settlement speed, customer support, system compatibility and contract terms.

Frequently Asked Questions

What is Pesapal Kenya?

Pesapal Kenya is a Central Bank of Kenya-regulated payment service provider that helps businesses accept online and in-person digital payments.

Is Pesapal licensed in Kenya?

Yes. Pesapal Limited is authorized and regulated by the Central Bank of Kenya.

Does Pesapal accept M-Pesa?

Yes. Pesapal enables qualifying Kenyan merchants to accept M-Pesa payments together with supported card payments.

What is Pesapal Sabi POS?

Sabi POS is Pesapal’s range of physical and mobile point-of-sale tools for accepting card and mobile-money payments and viewing transaction reports.

Does Pesapal provide an API?

Yes. Pesapal offers developer tools for integrating its payment gateway into websites, applications and other business systems.

Who founded Pesapal?

Pesapal was co-founded by Agosta Liko, who serves as the company’s CEO.

Where is Pesapal located in Nairobi?

Pesapal lists its Nairobi office on Kabarnet Lane, next to St. Nicholas Senior School.

What is Pesapal’s phone number?

Pesapal Kenya’s official contact number is +254 709 219 000.

Which countries does Pesapal operate in?

Pesapal identifies Kenya, Uganda, Tanzania, Rwanda and Zambia as its five principal regulated African markets. Its current contact page also lists a presence in Malawi.

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