Accept crypto payments in Kenya
Coinwaka Pay lets any Kenyan business accept M-Pesa, crypto, card, and PayPal with one QR. Customers pay the way they prefer, and you receive USDT or USDC in your Coinwaka wallet, with a permanent receipt for every payment.
- One QR for M-Pesa, crypto, card, and PayPal
- Settle to USDT or USDC in your Coinwaka wallet
- Payment links for WhatsApp, SMS, and invoices
- Receipts, a clean ledger, and a developer API
How to accept crypto payments in Kenya
- 1
Create your merchant account
Sign in to Coinwaka, name your business, and get your payment page and a printable QR poster.
- 2
Share one QR or a payment link
Customers scan the QR on your counter or open a link you send. They enter the amount and pick how to pay.
- 3
Customers pay how they prefer
M-Pesa shows an STK prompt the customer confirms with their PIN. Crypto, card, and PayPal each settle through their own rail.
- 4
You receive stablecoin
Payments land as USDT or USDC in your Coinwaka wallet, each with a permanent receipt. Hold it, sell it for KES, or withdraw.
Everything a Kenyan business needs to get paid
One QR for every method
Print one poster for the counter. The same QR takes M-Pesa, crypto, card, and PayPal.
M-Pesa built in
Customers pay with M-Pesa the way they already do, confirming on their phone with their own PIN.
Settle to digital dollars
You receive USDT or USDC, a dollar balance you can hold, sell for KES, or withdraw. No fiat balance is custodied.
Payment links
Send a link on WhatsApp or SMS for an invoice or order. Fix the amount or let the customer enter it, and cap how many times it can be paid.
Receipts and a clean ledger
Every payment gets a permanent reference, and your dashboard shows the method, the amount, and what you received.
Developer API
Create payment intents and hosted checkouts from your own site or app, and receive signed webhooks when payments succeed.
What it costs
Coinwaka Balance payments carry a small Coinwaka fee. M-Pesa, card, and PayPal payments include the provider fee and the conversion spread in the quoted rate. The checkout always shows what the customer pays and what you receive before anyone confirms.
View full feesTake payments safely
- Only release goods or services after the payment shows Paid.
- Confirmed crypto payments are irreversible, so always check the status before you hand anything over.
- Share your official payment page or QR only. Never accept an off-platform transfer from a stranger.
- Set a transaction PIN and turn on 2FA on your merchant account.
Accepting crypto payments in Kenya: questions
Do I need to understand crypto to accept it?
No. Customers can pay with M-Pesa or card the way they already do. You receive USDT or USDC, a digital dollar balance you can hold, sell for KES, or withdraw.
How fast do payments settle?
Coinwaka Balance payments settle instantly. M-Pesa, card, and PayPal settle once the provider confirms, usually within a minute. Always wait for Paid before releasing goods.
Can I accept M-Pesa and crypto on the same QR?
Yes. One Coinwaka QR accepts M-Pesa, crypto, card, and PayPal. The customer chooses how to pay, and you receive USDT or USDC either way.
What does it cost to accept payments?
Coinwaka Balance payments carry a small Coinwaka fee. M-Pesa, card, and PayPal include the provider fee and the conversion spread in the quoted rate. The checkout shows what the customer pays and what you receive before confirming. See the fees page for detail.
Can I refund a customer?
Coinwaka Balance payments can be refunded from your merchant dashboard. M-Pesa, card, and PayPal refunds are handled with support while those rails are completed.
Is Coinwaka a licensed exchange?
No. Coinwaka operates in a controlled beta and does not hold itself out as a licensed exchange. Some payment methods are processed securely by licensed payment partners. See the compliance status page for the current position.
Can developers integrate it?
Yes. The developer API lets you create payment intents and hosted checkouts and receive signed webhooks. See the developer docs.
Start accepting payments in Kenya
Open the merchant dashboard, print your QR, and share your first payment link. Sandbox is free; verify your business when you are ready to go live.
Become a merchant