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How Coinwaka Pay works

Accept M-Pesa, crypto, card, and PayPal with one Coinwaka QR or link, and receive USDT or USDC.

Beginner 3 min readUpdated 6/18/2026

Coinwaka Pay lets a business accept payments and receive stablecoin, without needing to understand crypto.

How it works

  1. Create a merchant account and name your business. You get a payment page and a printable QR poster.
  2. The customer scans and pays. One QR works for M-Pesa, Coinwaka balance, card, and PayPal. The customer picks how to pay.
  3. You receive stablecoin. Payments settle as USDT or USDC in your Coinwaka wallet, each with a permanent receipt.

Good to know

  • Coinwaka balance payments settle instantly. M-Pesa, card, and PayPal settle once the provider confirms, usually within a minute.
  • Never release goods before a payment shows Paid.
  • You can also create payment links and use the developer API for your own checkout.

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