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Zuma › 🇰🇪 Kenya › Zuma Pay
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Zuma Pay in Kenya

Accept money from anyone in Africa, on any rail.

Open Zuma Pay All Zuma services in Kenya

How you pay in Kenya

Everything is priced in KES (KSh). No foreign card required.

M-Pesa Airtel Money Card Bank transfer

Payments in this market fall under Central Bank of Kenya (CBK). See our licensing status →

Where in Kenya

Cities where you can use it today.

Nairobi Mombasa Kisumu Nakuru Eldoret Thika Machakos Nyeri

What else people use here

We would rather name the alternatives than pretend there aren't any.

  • M-Pesa Super App · fintech

    Zuma interoperates with M-Pesa rather than competing on rails, and owns fulfilment M-Pesa brokers out.

  • Bolt · mobility

    Zuma Ride is one of 30+ modules sharing a wallet, a rating and a credit score.

Everything inside Zuma Pay

Merchant-side acceptance and settlement. The consumer balance is Zuma Wallet; borrowing is Zuma Loans.

Accept payments

  • QR code at the till per transaction
  • Payment link / invoice per transaction
  • Online checkout & API per transaction
  • USSD payment (no smartphone) per transaction
  • Card terminal / POS per month
  • Recurring billing & subscriptions per transaction

Get paid out

  • Same-day mobile money settlement per payout
  • Bank settlement per payout
  • Multi-currency settlement per payout
  • Split payouts to partners per payout

Business tools

  • Sales dashboard & reconciliation per month
  • Staff tills with permissions per month
  • Refunds & dispute handling per transaction
  • Tax-ready statements per month

How Zuma Pay works

Accept money from anyone in Africa, on any rail.

  1. 1
    Register the business provider

    Business name, category, and the payout account money should land in.

    ⚙ Merchant record created, sandbox keys issued

  2. 2
    Verify and license-check zuma

    KYB against the market’s regulatory requirements before live keys.

    ⚙ KYB checks, sanctions screen, regulator-specific rules per country

  3. 3
    Choose acceptance methods provider

    QR, link, checkout, USSD or terminal — whatever the customers actually use locally.

    ⚙ Rails enabled per country from the payment_rails matrix

  4. 4
    Pay on a familiar rail customer

    M-Pesa, MoMo, OPay, Wave, card — the customer never learns a new habit.

    ⚙ Rail routed, idempotency key held, retries on timeout

  5. 5
    Confirm, settle, reconcile zuma

    Merchant notified in seconds; funds settle on the agreed cycle.

    ⚙ Ledger double-entry, settlement batch, webhook to merchant

Common questions

Is Zuma Pay available in Kenya?

Yes. Zuma Pay is live in Kenya and you can use it from the Zuma app or this website.

How do I pay for Zuma Pay in Kenya?

With M-Pesa, Airtel Money, Card and Bank transfer, or from your Zuma Wallet balance. Everything is priced in KES.

What does Zuma Pay cover?

Merchant-side acceptance and settlement. The consumer balance is Zuma Wallet; borrowing is Zuma Loans.

Is Zuma regulated in Kenya?

Zuma's payment operations in Kenya fall under Central Bank of Kenya (CBK). Our current licensing status per market is listed on the Trust page.

Related Zuma services in Kenya

👛Zuma Wallet 🏦Zuma Loans

Zuma Pay in other markets

🇧🇮Burundi 🇰🇲Comoros 🇩🇯Djibouti 🇪🇷Eritrea 🇪🇹Ethiopia 🇬🇭Ghana 🇰🇪Kenya 🇲🇬Madagascar