---
title: "Pesapal: POS and Online Payment Processing"
description: "Accept M-Pesa Till/Paybill/Xpress, Visa/Mastercard and NFC like Google Pay on POS or online. Mobile app lets users pay bills in bulk. 7 African countries."
canonical_url: "https://liners.com/pesapal"
markdown_url: "https://liners.com/pesapal.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pesapal/screenshot.webp?v=1773306135358"
published_at: "2026-03-12T14:50:10.418Z"
updated_at: "2026-10-06T03:01:59.135Z"
---

# Pesapal: POS and Online Payment Processing

Accept M-Pesa Till/Paybill/Xpress, Visa/Mastercard and NFC like Google Pay on POS or online. Mobile app lets users pay bills in bulk. 7 African countries.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Pesapal](/pesapal)

## Summary

Accept M-Pesa, card, and NFC payments across channels

A payment gateway and financial services platform for African businesses and consumers to accept M-Pesa and card payments, run POS and online checkout, and pay bills via mobile.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.pesapal.com/ |
| Tagline | Accept M-Pesa, card, and NFC payments across channels |
| Primary country | Kenya |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Malawi](/countries/malawi): Market
- [Rwanda](/countries/rwanda): Market
- [Tanzania](/countries/tanzania): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market
- [Zimbabwe](/countries/zimbabwe): Market

## Related pages

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

## Access and citation

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