P 4.8 out of 5Early merchant feedback

Collect, protect and pay out. With clarity.

What would you like to do with Paysasa?

Get started Watch the product tour

A shop owner taking a mobile payment from a customer at a bright market stall

Payment link

Order #4821 · KES 24,500

Checkout · Amina W.

Paid via M-PesaKES 18,000

Settled

Balance dueKES 6,500

Reminder queued

Payment received!M-Pesa confirmed. Funds are in your wallet.

ESEscrow Safe Trade

Trade #4821: laptop sale. Buyer has paid KES 62,000 into escrow.

Milestones75%

Funds held · Shipped · Inspecting

Release funds to seller

Today’s payouts

Wednesday, 28 October

Payroll run · 48 staffStarts 8:00 am · Bulk payout

Thursday, 29 October

Supplier invoices10:20 am · 12 recipients

Schedule a payout

Powering merchants, marketplaces and communities

Kilele Travel Soko Digital Mama Mboga Market NAIVAS HOLIDAYS Pwani Gaming Tembo Pay Jenga Fintech Savannah Tickets Umoja Chama Duka Cloud Kilele Travel Soko Digital Mama Mboga Market NAIVAS HOLIDAYS Pwani Gaming Tembo Pay Jenga Fintech Savannah Tickets Umoja Chama Duka Cloud

The all-in-one platform
for safer payments

From the first M-Pesa checkout to the final payout, Paysasa brings wallets, escrow, payment links, group savings and developer APIs into one place, with fees and balances you can actually read.

Paysasa business dashboard showing wallet balance, recent payments, an escrow trade and a collections chart

Escrow releasedKES 62,000 sent to the seller

Settlement complete128 payments settled today

Unrivaled visibility,
control, and trust

Paysasa Checkout

Payment links & checkout

Share a link, embed a checkout or raise an invoice. Customers pay with M-Pesa, cards, PayPal, Airtel or Equity, and every payment settles to the business wallet you choose.

M-Pesa STK push, Paybill and short tills
Invoices and payment requests with VAT built in
Split payouts across partners and sellers

Start collecting

Today’s collections

KES 342,90076% of target

Target KES 450,000Pending KES 24,500

Wanjiru K. · INV-1187M-Pesa · 2 min ago

KES 8,000

Otieno B. · Link #3342Card · 9 min ago

KES 12,500

Salma H. · INV-1176Airtel Money · 21 min ago

KES 3,200

Paysasa Escrow

Escrow Safe Trade

Hold buyer funds until the deal is delivered. Milestone or release-based escrow gives sellers certainty and buyers protection, with a clear path for disputes.

Funds locked until delivery is confirmed
Milestone and release-based trades
Gold and Platinum trust badges for sellers

See trust tiers

Trade #4821 · Laptop sale

KES 62,000Gold sellerEscrow

Trade milestones

Funds held

100%

Shipped

100%

Inspection

60%

Release

10%

Release fundsOpen dispute

Paysasa Wallets

Wallets, P2P & team controls

Personal and business wallets that move money in seconds. Set limits, roles and transfer rules so the whole team can work without sharing a password.

Instant wallet-to-wallet P2P transfers
Business wallet limits, roles and approvals
PINs, device checks and full event logs

Open a wallet

Westlands Store

Business wallet · Gold · KES 48,320.00

OverviewLimitsTeam

Daily transfer limitKES 500,000

Team members6 with roles

Last top-upM-Pesa · KES 2,000

Send moneyTop up

Money for every community, covered

Group savings, personal goals and shared debts, all in the same wallet you already use.

Umoja Chama · WeeklyRound 8

24Members

186kTreasury KES

3Payouts due

Search members or contributions

Mama NjeriNext payout · FridayApproved

Chama group savings

Run a savings group with a treasury wallet, contribution tracking and rotation rounds. Withdrawals need approval.

Contributions tracked per member
Rotation rounds and payout order
Approval-based withdrawals

Lengo · Save now, buy later62%

Emergency fundKES 62,000 of 100,000On track

New laptopKES 28,000 of 90,000 · by DecTop up

School feesKES 45,000 of 45,000Ready

Lengo: save now, buy later

Set a goal, save toward it in your wallet and spend only what you have already saved. No debt, no surprises.

Goal progress at a glance
Flexible top-ups from M-Pesa
Spend when the goal is reached

Deni · IOU tracker3 open

AllOwed to meI owe

Supplier XYZPay link sent · due FridayKES 8,400

Brian M.SMS reminder · guest debtorPaid

LandlordDue 5th · reminder queuedDue

Deni: IOUs with pay links

Track who owes what, send a public pay link and let SMS or email reminders do the chasing for you.

Public pay links for guest debtors
SMS and email reminders
One list for owed and owing

Works with the rails and rules you already rely on

A full business toolkit, built into your wallet

Accounting, payroll, point of sale, ticketing, billing, rent, loans and more, all running on the same balances you collect into.

Business Accounting

Chart of accounts, journals, expenses and budgets, with live trial balance, P&L and balance sheet.

JournalsExpensesBudgetsP&LBalance sheet

Payroll

Add employees, create pay runs and send salaries straight to wallets and M-Pesa.

EmployeesPay runsQueuedPaid

POS Lite & Short Tills

Take counter sales with a lightweight POS and a short till or paybill number customers can remember.

Paybill 4123456Till 8821Paypoint QR

Event Ticketing

Sell tickets, issue QR codes, scan at the door and reward promoters with their own codes.

QR check-inPromoter codesTicket tiers

SubscriptionsPlans, renewals and automatic receipts Donation campaignsFundraising pages paid by M-Pesa or card Rent collectionsPer-unit rent, reminders and reconciliation LoansApplications, schedules and repayments eFlowService catalogue via USSD, web or app KRA eTIMSTax-ready invoices and receipts Invoices & requestsINV-1042 · VAT 16% included Bulk paymentsPay 48 rows in a single upload

Payment links Split payouts Escrow Safe Trade Gold & Platinum P2P transfers Referrals About Paysasa

See Paysasa in action

A finance team reviewing payments together on a laptop in a bright office

One platform for every payment

A 3-minute tour: from the first M-Pesa checkout to the final payout.

CheckoutEscrowChamaAPIs

Everyone’s payments
destination

Merchants

Buyers

Shopper holding a phone showing a payment confirmation

Developers

Chama groups

Industries

Travel, tourism and ticketing with escrow-backed bookings
Online gaming and digital goods with instant wallet top-ups
E-commerce and marketplaces with split payouts
Fintech and SaaS platforms building on wallets and APIs

Learn more

Clear access for merchants, buyers, developers and communities, without handing everyone the same dashboard. Built for individuals, small shops and growing platforms across Africa.

Build on Paysasa

REST APIs, signed webhooks and wallet-as-a-service let your product take payments without reinventing wallets.

Checkout APIv1

POST /api/v1/checkout/sessions

ses_01hx…KES 24,500 · M-Pesa, cardCreated

POST /api/v1/invoicesINV-1042 · VAT 16%201

Split payoutPlatform 2% · Seller 88% · Partner 10%Applied

Integrate in an afternoon

Create checkout sessions, invoices and payment requests with API-key authentication and clear JSON responses.

Webhook deliveriesSigned

payment.succeededOrder #4821 · 120 ms200

escrow.releasedTrade #4821 · 98 ms200

payout.queuedBulk payout · 48 rows200

deni.reminder_sentRetrying in 30 sRetry

Know the moment money moves

Receive signed webhooks for payments, escrow, payouts, Lengo and Deni, and reconcile automatically.

Wallet-as-a-Service Master

12,480 sub-accountsVirtual wallets under one masterLive

Launch wallets for your users

Give every customer a virtual sub-account under your master wallet, with STK checkout, Paybill and referral commissions.

Read the developer docs

Built for dependable payments, day after day

99.9%platform uptime target for checkout and wallets

24/7human support when a payment needs attention

6ways to pay: M-Pesa, cards, PayPal, Airtel, Equity and wallet

30+products and tools on one wallet-based platform

Targets and figures are illustrative placeholders for launch.

Industry-leading security
with a personal touch

Security & fraud controls

Transaction PINEnabled

Device check passedSigned API request verifiedReview event log

Security first, by design

PINs, device checks, signed requests, wallet holds and full event logs protect every balance. Card data is handled by PCI DSS compliant partners.

The buyer says the parcel never arrived. Can you help?

Of course. The funds are still held in escrow while we review the dispute.

Dispute · Trade #4821Review evidence

Real people when it matters

Escrow disputes, KYC checks and unmatched paybill deposits are reviewed by our team, with support available 24/7 by chat, phone and email.

Simple tiers. No surprises.

Every merchant verifies before taking payments. Gold and Platinum badges unlock faster settlement and better commercial terms.

Standard

Free to start

For verified merchants and everyday users

Verified merchant badge after KYC
Checkout, links and invoices
Wallet, P2P and bulk payouts
Standard settlement and support

Create free account

Gold

Gold badge

Everything in Standard, plus instant settlement

Immediate settlement with no hold
Gold trust badge on checkout
Escrow Safe Trade for buyers
Business accounting and payroll

Get started

Platinum

Platinum badge

For high-volume brands and platforms

Everything in Gold
Fee discounts and higher limits
Priority support and onboarding
Wallet-as-a-Service and webhooks

Talk to sales

Fees for withdrawals, P2P, checkout, bulk payouts, escrow, conversion, WaaS and Lengo are shown by tier in your dashboard. Subscription plans shown are illustrative.

From first checkout to full platform,everyone moves faster with Paysasa

Merchant voice

“Checkout and settlement finally feel predictable. I know exactly what landed in the wallet and when.”

Grace W.Shop owner · Nairobi

See checkout

Buyer voice

“Escrow let me pay for a high-value item without worrying. The money moved only when I was happy.”

Kevin O.Online buyer · Kisumu

See escrow

Developer voice

“The REST APIs and signed webhooks dropped into our stack quickly, and the docs answered the rest.”

Daniel M.Software engineer · Mombasa

See the APIs

Chama voice

“Our treasurer tracks every contribution and payout in one place, and nobody argues about the numbers.”

Mama NjeriChama treasurer · Nakuru

See chama tools

Frequently asked questions

Paysasa is a payments platform for Africa. It brings M-Pesa and card checkout, wallets, P2P transfers, escrow, payment links, bulk payouts, chama, Lengo, Deni and developer APIs into one place.

Yes. Individuals use wallets, P2P, Lengo, Deni and chama groups. Businesses add checkout, invoices, payouts, accounting, payroll, POS and APIs on the same account.

The buyer pays into escrow, the seller delivers, and the funds are released when the buyer confirms or a milestone is reached. If something goes wrong, our team reviews the dispute before any money moves.

Trust tiers for verified merchants. Standard confirms identity and KYC, Gold adds immediate settlement with no hold, and Platinum adds fee discounts, higher limits and priority support.

Yes. Use the REST APIs and signed webhooks for checkout, invoices, payment requests and wallets, or Wallet-as-a-Service for virtual sub-accounts under a master wallet. Read the docs to get started.

Learn more about Paysasa

See where Paysasa
can take your business