Breet — Crypto & Stablecoins Payment API for African Businesses 
A CBK-licensed payment infrastructure platform for businesses and developers to collect and disburse funds via M-Pesa, bank transfers, SWIFT, and cards through one API.
Fingo Pay Product Overview
Is Fingo Pay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan online businesses
- Apps with M-Pesa checkout
What It Does Well
- M-Pesa payment collection
- Bank transfer payouts
Things to Check
- CBK licensing details
- Supported currencies list
About Fingo Pay
Fingo Pay is a CBK-licensed payment infrastructure platform for businesses and developers that need a single API to collect and disburse payments across multiple rails.
Key capabilities include:
- Collections via one endpoint: accept M-Pesa STK Push, bank transfers, and cards through one integration for online checkouts, subscriptions, and commerce flows.
- Payouts to 150+ destinations: send money to mobile wallets, local banks, and international SWIFT destinations, including support for bulk payouts.
- Multi-currency banking: use multi-currency accounts to hold, convert, and move funds in 7 currencies with FX conversion.
- Developer tooling: a REST API designed for production integrations, including idempotency, HMAC-signed webhooks, sandbox simulation, and cursor-based pagination.
Available on Web (dashboard) and via API.
It primarily serves B2B teams building payment flows, including engineers integrating collections and payouts, and businesses that need backend payment infrastructure.
Notable in the Kenyan market context, it operates as a licensed payment gateway regulated by the Central Bank of Kenya, and lists PCI DSS, ISO 27001, and 256-bit encryption on its security posture. The platform also publishes operational metrics such as $100M+ annual transaction volume, 99% uptime, and 250ms average API response time.
Fingo Pay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Pricing & Fees
Variable pricingLocal collections charge an illustrative fee of 0.84% (including excise tax), multi-currency banking accounts are Free, and domestic bank transfers carry a fixed KES 20 fee per transaction.
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Frequently Asked Questions About Fingo Pay
Fingo Pay is a payment infrastructure platform for businesses that supports M-Pesa, bank transfers, SWIFT, invoicing, payouts to 150+ countries, and biometric finger vein authentication for secure transactions. It works by providing a single API to handle payments from the first transaction to high volumes, enabling instant settlements, batch payouts via CSV or API, shareable payment links, automated reminders, and flexible installment plans. Merchants can accept payments via finger scans for fast, secure bank-to-bank transfers.
Fingo Pay is free to use for invoicing and payment links with no monthly or per-invoice fees. You pay a standard 1.2% transaction fee only when you get paid.
Fingo Pay operates in Kenya for M-Pesa and bank transfers, with payouts to 150+ countries via SWIFT. It supports local settlements like same-day bank transfers in Kenya and international transfers.
Fingo Pay is best suited for ambitious commerce businesses needing scalable payment infrastructure, merchants handling high-volume payouts, and those requiring invoicing with payment plans. It fits companies using M-Pesa, bank transfers, or international SWIFT payments.
You can send an email to team@fingopay.io for support.
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