What is Fingo Pay and how does it work?

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.

How much does Fingo Pay cost?

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.

What countries does Fingo Pay operate in?

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.

Who is Fingo Pay best suited for?

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.

Does Fingo Pay offer an API or integrations?

Yes, Fingo Pay offers a public API. View the official Fingo Pay API documentation for endpoints, authentication, and integration guides.

Fingo Pay

🇰🇪 Kenya

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.

Use it on:Web API

Is Fingo Pay right for you?

Best for

Kenyan businesses
Developers shipping payments
Marketplaces and platforms
Payout-heavy businesses
Cross-border sellers

What it does well

M-Pesa collections
Bank transfer payouts
Card payments via API
SWIFT transfers
Payment links

Things to check

CBK licensing details
Supported currencies
Settlement speed
SWIFT corridor coverage
Integration effort

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.

Social Links:

Categories:

Fintech

Features & Business Model: