No app downloads. No card numbers. Just your phone and a 4-digit PIN — at any Pesa Mtandao merchant or branch.
Already have an account? Customer login · Merchant login
Open an account in minutes. Top up at any branch. Pay at any merchant. Send money to anyone with a Pesa Mtandao number.
Start your application in minutes with your phone, ID number, and a 4–6 digit PIN. Then visit your nearest Pesa Mtandao branch with your original ID and a branch officer activates your account on the spot — no app required.
Visit any Pesa Mtandao branch and deposit cash with a teller. Your balance updates immediately and you get a receipt.
At any merchant, give your phone number and enter your PIN — payment confirmed in seconds. Or send money to friends online.
Customers pay with their phone number and PIN. You get a signed webhook on every payment, a built-in POS terminal, and no PCI scope on your servers.
Submit your business details. We review and approve in 1–2 business days. No setup fees, no monthly minimums.
Use the built-in POS terminal at the counter, or integrate the hosted checkout into your website with a single redirect.
HMAC-signed webhooks keep your system in sync. Daily reconciliation reports, multi-currency support, refunds at the click of a button.
Every payment is authenticated, every session is signed, every transaction is recorded.
PINs are bcrypt-hashed and never stored in plain text. Lockout after 5 failed tries.
Your phone number is your identity. OTP confirmation for sensitive changes.
KES, USD, GBP, NGN, GHS, TZS, UGX, ZAR. More on request.
ID verification and document review for higher transaction limits.
Every action — yours and ours — is logged and accessible.
Sent money to the wrong number? File a dispute and our team reviews within 24 hours.
Open a free personal account online, or apply to accept payments as a merchant.