Lipa na Crypto
Accept M-Pesa, crypto, card, and PayPal with one QR. Customers pay the way they prefer; you receive USDT or USDC in your Coinwaka wallet. Built for shops, freelancers, online sellers, and developers in Kenya.
One QR, every way to pay
Coinwaka Balance
Instant settlement. The customer confirms with their PIN and you see Paid in seconds.
M-Pesa
The customer gets an STK prompt on their phone and confirms with their M-Pesa PIN.
Card
Visa and Mastercard, in KES or USD.
PayPal
For international customers paying in USD, EUR, GBP, and more.
How it works
- 1
Create your merchant account
Sign in to Coinwaka, name your business, and get your payment page and printable QR poster.
- 2
Customers scan and pay
One QR works for every method. The customer enters the amount, picks how to pay, and confirms.
- 3
You receive stablecoin
Payments settle as USDT or USDC in your Coinwaka wallet. Every payment has a permanent receipt.
Built for real shops
Printable QR poster
Print your poster once and put it on the counter. If a scan fails, customers can type your payment page address instead.
Payment links
Send one link for an invoice, deposit, or order on WhatsApp or SMS. 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 exactly what was paid, with what method, 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.
Some payment methods are processed securely by licensed payment partners. Exchange rates are locked for the quote window, settlement times vary by method, and confirmed crypto payments are irreversible. Only release goods after a payment shows Paid.
Common questions
Do I need to understand crypto?
No. Customers can pay with M-Pesa or card like they already do. You receive USDT or USDC, a digital dollar balance you can hold, sell for KES, or withdraw.
When do I see the money?
Coinwaka Balance payments settle instantly. M-Pesa, card, and PayPal payments settle once the payment provider confirms, usually within a minute. Never release goods before the payment shows Paid.
What are the fees?
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.
Can I refund a customer?
Yes. 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 this licensed?
Some payment methods are processed securely by licensed payment partners. Crypto settlement amounts are locked at the quoted rate for the quote window, and confirmed crypto payments are irreversible.
Start accepting payments today
Sandbox is free and instant. Verify your business when you are ready to go live.
Open the merchant dashboard