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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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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

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 process remittances across mobile money, banks, and cards through a single integration. We serve merchants, fintechs, PSPs and aggregators, and remittance companies.

Which payment methods can my customers use?

Your customers can pay with M-Pesa, Airtel Money, and T-Kash, by bank transfer and 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.

Is Zamupay licensed and secure?

Yes. Zamupay is licensed by the Central Bank of Kenya, 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.

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

Yes. You can send bulk or instant payouts to M-Pesa, Airtel Money, and T-Kash wallets, 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 I integrate Zamupay into my website or app?

Zamupay offers REST APIs for collections, payouts, and remittances, with webhooks for real-time transaction updates. Request sandbox access on our Developers page, generate your API keys, and start building. Our team supports you through technical integration, compliance checks, and testing before you go live.

How do settlement and reconciliation work?

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

How much does Zamupay cost?

Pricing depends on the payment methods you use and your transaction volumes. Contact our sales team for a quote tailored to your business.

What support do you offer?

Every business gets a dedicated onboarding and support team, and our support is available 24/7 for both your operations and technical teams.

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