Overview
Kenya is East Africa's leading digital commerce market with strong growth. The market is defined by mobile money: M-Pesa is the single most dominant payment method, reflecting Kenya's position as the global reference for mobile money adoption.
M-Pesa has effectively become the banking infrastructure for a large portion of the population. Cards exist but are limited in reach. Digital buyer penetration is relatively high for the African region, driven by mobile-first behavior.
Available payment methods
Kenya supports the following payment methods through EBANX. For detailed integration guides, select a payment method from the sidebar or visit the API Operability page.
- Cards: Credit Cards
- Cash & Codes: Mobile Money
Currency and settlement
| Detail | Value |
|---|---|
| Local currency | KSh - Kenya Shilling |
| Accepted currencies | KES, USD |
Refunds
- Refunds for credit and debit card payments are sent to the card acquirer.
- M-Pesa and Airtel Money refund processes are managed through the EBANX refund API. No customer bank account details are collected — refunds are returned via the mobile money network.
Still need help?
We hope this article was helpful. If you still have questions, you can explore the following options:
- Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
- Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.
