Pesapal

Pesapal is a payment gateway and financial services platform for African businesses that need to accept and manage payments across in-store (POS) and online channels, plus consumers who want to pay bills and buy airtime from a mobile app.

Key capabilities include:

• In-store POS payments: Accept M-Pesa Till, Paybill and Xpress, process Visa and Mastercard, and take NFC payments such as Google Pay and Fitbit Pay on one POS machine. The POS can also integrate with systems including Oracle Micros, Compulynx, and Microsoft AMX.
• Online payments: Collect payments through e-invoices, payment links (including for businesses without a website), and a customized payments page. The platform also provides API and e-commerce plugins for online stores.
• Hospitality integrations: Support Oracle Hospitality and Reserveport integrations for payment processing, online booking capabilities, and real-time reports and reconciliation.
• Personal payments app: On mobile, users can pay bills in bulk, buy airtime, and order and pay for event tickets and holiday trips, with zero transaction fees stated for the app.

Available on Web, Android, and iOS, with a Payments API for developers.

Target users include e-commerce and online platforms, retail and hospitality businesses, and individual consumers managing everyday payments.

Notable in Africa for its multi-market presence (Kenya, Malawi, Tanzania, Rwanda, Uganda, Zambia, Zimbabwe) and for operating under financial regulation in some markets, including being regulated by the Central Bank of Kenya.