---
title: "Paycloud: POS Payments in Kenya"
description: "Accept M-Pesa, Visa/Mastercard & cash in Kenya, manage inventory, open a free business account, and access in-app business financing."
canonical_url: "https://liners.com/paycloud"
markdown_url: "https://liners.com/paycloud.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/paycloudafrica/screenshot.webp?v=1773175241340"
published_at: "2026-03-11T10:23:39.341Z"
updated_at: "2026-10-05T03:00:58.573Z"
---

# Paycloud: POS Payments in Kenya

Accept M-Pesa, Visa/Mastercard & cash in Kenya, manage inventory, open a free business account, and access in-app business financing.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Paycloud](/paycloud)

## Summary

Accept payments, manage sales, and access business credit

A fintech platform for Kenyan SMEs to accept M-Pesa, cards, cash, and Pay Later, open a business account, manage inventory, and access in-app financing.

## Product details

| Field | Value |
| --- | --- |
| Website | https://paycloudafrica.com/ |
| Tagline | Accept payments, manage sales, and access business credit |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Paycloud is a financial technology platform for SMEs in Kenya that combines a mobile POS, store management tools, and a business bank account to help merchants get paid, track sales, and access financing.

Key capabilities include:

- **Smart POS on Android** that turns a phone into a portable PDQ to accept **M-Pesa**, **cards (Mastercard, Visa)**, **cash**, and **Pay Later (Lipa Pole Pole)**.
- **Digital banking for businesses** with a **free business bank account** and support for **Pesalink**, **RTGS**, **SWIFT**, and **M-Pesa** rails for receiving and moving money.
- **Business financing in-app**, with examples shown such as **Ksh 150,000** total loan advanced and installment options including **2 weeks (Ksh 85,000)** and **4 weeks (Ksh 50,000)**.
- **Operations and compliance tools** including **inventory and sales tracking**, **automated M-Pesa, bank, and POS reconciliation**, **E-Tims integration** for **VAT receipts**, **invoice tracking** with **invoice financing requests**, and **bill payments** for payroll and suppliers.

Available on **Web** (business portal) and **Android** (POS app).

Built for **SMEs and entrepreneurs** who need payments, banking, reporting, and credit in one place.

Notable in the Kenyan market for combining merchant acquiring and business banking in partnership with **Choice Microfinance Bank** (regulated by the **Central Bank of Kenya**), with deposits protected by the **Kenya Deposit Insurance Corporation** up to **KES 500,000**, and support for **international transfers** plus **FX** across **USD, GBP, EUR, and RMB**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Inventory Management](/tags/inventory-management): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/paycloud/alternatives)
- [Reviews](/paycloud/reviews)
- [Transparency](/paycloud/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/paycloud)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)