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A simpler way to move money

Collect money, send payouts, and process remittances across mobile money and banks through a single integration.

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Our Services

Collect, send, and deliver payments across mobile money, banks, and cards.

Collections

Receive payments from customers across mobile money, banks, and cards.

  • Mobile Money Collections
  • API integration (checkout / app payments)
  • Bank transfers and Pesalink
  • Card payments (domestic and international)
  • Payment links
Start collecting payments

Payouts

Send money to individuals and businesses across mobile wallets and bank accounts.

  • Bulk and instant payouts
  • Mobile money: Mpesa, Airtel, T-Kash
  • Bank payouts via Pesalink
  • API-triggered and Portal Initiated payments
  • Reliable processing at scale
Start sending payouts

Remittances

Deliver international transfers into local mobile wallets and bank accounts.

  • Inbound remittance processing
  • Delivery to Mpesa, Airtel, and bank accounts
  • Local settlement and tracking
  • Compliance-ready infrastructure
  • Outbound remittances
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Platform

Integrate and operate payments from one secure platform.

Build

APIs

Integrate once to access collections, payouts, and remittance capabilities across mobile money, banks, and cards.

  • Single integration across all payment rails
  • Collections, payouts, and remittance endpoints
  • Webhooks for real-time transaction updates
  • Transaction status and callback handling
  • Secure authentication and access control
Operate

Portal

Run your payment operations from one place. Initiate transactions, approve requests, and track activity in real time.

  • Initiate payments and create payment links
  • Approve transactions with maker-checker controls
  • Track transactions and monitor activity in real time
  • Reconcile payments and view settlement status
  • User roles and access control
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Zamupay Wallet Infrastructure Built for Seamless Integration

We enable businesses to create digital wallets, track funds in real time, and manage payments seamlessly through a secure, easy-to-integrate infrastructure.

Launch digital wallets inside your platform with Zamupay wallet infrastructure

What We Do for You.

01

Digital Account Creation

Create digital wallets for users, merchants and agents to securely hold funds, with automated identity verification and real time balance management.

02

Unified Payment Connections

Enable deposits and withdrawals via M-Pesa, Airtel Money, T-Kash, PesaLink bank transfer and payment cards through a single API integration.

03

Instant Wallet to Wallet Transfer

Enable instant transfers between wallets on your platform, with real time transaction processing and immediate balance updates.

04

Simplified Payout Controls

Execute single or bulk disbursements to bank accounts and mobile wallets, supported by secure approval workflows through a centralized portal.

Request a Demo View API Documentation

Why Zamupay


Payments are fragmented across channels. Zamupay brings them together into one system that is reliable, visible, and built for local markets.

01
Unified Integration
One integration across mobile money, banks, and cards.
02
Local Rail Coverage
Built for local rails: Mpesa, Airtel, T-Kash, banks, and Pesalink.
03
Reliability at Scale
Reliable and scalable processing with strong uptime.
04
Always-On Support
24/7 support for your operations and technical teams.
05
Settlement Clarity
Clear settlement and reconciliation across your payment flows.
06
Live Visibility
Real-time visibility and control over transactions and activity.
07
Compliance Alignment
Licensed and aligned with regulatory requirements.
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Who we serve



Built for businesses that operate payments at scale.

Merchants

Collect payments and manage payouts from one place

Fintechs

Build payment products using APIs

PSPs & Aggregators

Access payment rails and manage transactions across clients

Remittance Companies

Deliver funds into local wallets and bank accounts

Explore who we serve

Built with compliance and security at the core

Zamupay operates with compliance-first infrastructure to support secure, regulated payment operations.

Trust and Compliance Standards

  • Licensed by the Central Bank
  • Registered with the ODPC as a data controller and processor
  • Visa Registered Payment Facilitator
  • PCI DSS compliant environment
  • AML and KYC controls in place

Trusted by leading institutions

Banks and lenders rely on Zamupay to keep their payment operations running reliably, every day.

Zamupay has been a trusted partner since 2017, supporting our bulk payment system at UBA Bank and providing reliable payment solutions, including remittances, RTGS, EFT, and mobile transfers. Their flexible, customizable products and 24/7 support have helped us meet dynamic banking needs with agility. Zamupay's proactive collaboration in enhancing controls and meeting audit requirements further underscores their commitment to excellence. Their service quality has been instrumental in our operational success, and we highly recommend them.
UBA Bank Official Client since 2017

Start building with Zamupay

Collect payments, send payouts, and enable remittances from one platform.

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Frequently Asked Questions

Everything you need to know about accepting payments, sending payouts, and integrating with Zamupay.

What is Zamupay?

Zamupay is a payment gateway licensed by the Central Bank of Kenya. It lets businesses collect payments, send payouts, and manage transactions across mobile money, banks, and cards through a single integration. We serve merchants, fintechs and PSPs.

Who needs Zamupay?

Zamupay is built for merchants, fintechs, PSPs, lenders, marketplaces, and enterprise platforms that need scalable payment infrastructure. Our platform powers any business looking to automate collections, disburse payouts, or manage transactions.

Is Zamupay licensed and secure?

Yes. Zamupay is licensed by the Central Bank of Kenya as a PSP and also registered with the Office of the Data Protection Commissioner (ODPC) as a data controller and processor, and is a Visa Registered Payment Facilitator. We operate a PCI/DSS compliant environment with AML and KYC controls built into every payment flow.

Which payment methods can my customers use?

Your customers can pay with mobile money (M-Pesa, Airtel Money, and T-Kash), by Bank Transfer via PesaLink, or with domestic and international cards. You can also share payment links, so you can collect payments even without a checkout on your website or app.

How do I integrate Zamupay into my website or app?

Integrating Zamupay starts with a quick review of your business by our Sales and Compliance teams. Upon approval, you’ll gain access to the Developer Sandbox to generate API keys and start building with our REST APIs and real-time webhooks. Our team guides you through testing every step of the way to ensure a seamless go-live.

How much does Zamupay cost?

Zamupay only charges per transaction. There are zero setup fees or settlement fees. Reach out to our sales team for a custom quote based on your payment methods and expected volume.

Can I send bulk payouts to mobile wallets and bank accounts?

Yes. You can send bulk or instant payouts to mobile money wallets (M-Pesa, Airtel Money, and T-Kash), and to bank accounts via PesaLink. Payouts can be triggered through our API or initiated from the Zamupay portal, with maker-checker approvals and user roles to keep your team in control.

How do settlement and reconciliation work?

The Zamupay portal gives you real-time visibility of every transaction, along with settlement status across your payment flows, so your finance team always knows where funds are.

What support do you offer?

Every merchant gets the collective backing of our onboarding, support, and engineering teams working directly together. Our support team is available 24/7 to ensure your business runs smoothly at all times.

What is Zamupay’s Digital Wallet Solution and how does it work for my business?

Zamupay’s Wallet Solution enables businesses to manage digital wallets, track transaction histories, and facilitate payments without building complex payment infrastructure from scratch. Through secure, developer-friendly APIs, we provide the core infrastructure for digital account management, wallet-to-wallet transfers, collections, and disbursements—helping businesses integrate, operate, and scale their payment services seamlessly.

Still have questions? Visit our Support Center or talk to our sales team.