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Payment methods, providers and fees in Kenya, grouped by who provides each rail and what each product charges.
Latest fee change recorded 4 Jun 2025
Priced in this market
Operating here
Across every channel
That fees here are charged in
Mobile money · Online · since
1.5%, capped at KES 324.00
1.50% on KES 12,992.09
13 products from 13 providers are priced here, including Airtel Money, Stablecoin settlement (USDC / USDT), dLocal, Flutterwave, Verve, Visa / Mastercard International acceptance.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
On the equivalent of $100, checkout rails only
Crypto · Online · since
KES 6.48
0.05% on KES 12,992.09
Card · Online · since
4.5%
4.50% on KES 12,992.09
Card · Online · since
1.4%
1.40% on KES 12,992.09
Card · Online · since
1.5%, capped at KES 2,000.00
1.50% on KES 12,992.09
Card · Online · since
Also priced for Chargeback, Currency conversion
3.4% + KES 38.87
3.70% on KES 12,992.09
3% + KES 259.00
4.99% on KES 12,992.09
Real-time payment · Payout · since
0.5%
0.50% on KES 12,992.09
Card · Online · since
2.9%
2.90% on KES 12,992.09
Mobile money · Online · since
0.5%, capped at KES 194.00
0.50% on KES 12,992.09
No fee
0% on KES 12,992.09
Card · Currency conversion · since
1%
1% on KES 12,992.09
3.5% + KES 324.00
5.99% on KES 12,992.09
Of the rails a business can accept online, M-Pesa costs least on the equivalent of $100: 0.5%, capped at KES 194.00. The ranking can change at other amounts.
KES: every fee recorded for Kenya is priced in it.
Of 18 fee records, 1 is published by the provider, 2 are reported by a scheme, a regulator or wide documentation, and 15 are estimated. Each fee shows which it is and when it took effect.
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
