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Pricing — SmartPay | M-Pesa API & Digital Payments for Africa
no hidden fees transparent pricing

Simple, transparent
pricing for every business

Choose the plan that fits your needs. No hidden fees, no surprises — just honest payment processing.

Developer-first plans

Power your applications
with our robust payment API

We'll even help integrate your system with our API at no extra cost on Professional plans.

Starter
KES 400
per month
  • Up to 1,000 transactions/month
  • STK Push integration
  • Real-time callbacks
  • Basic analytics
  • Email support
  • Sandbox environment
Get Starter →
⭐ Best Value
Professional
KES 800
per month
  • Up to 10,000 transactions/month
  • All Starter features
  • B2C transfers
  • Advanced analytics
  • Priority support
  • Custom webhooks
  • Multiple accounts
  • ✨ We help integrate your system!
Get Professional →
Enterprise
KES Custom
volume-based pricing
  • Unlimited transactions
  • All Professional features
  • Dedicated account manager
  • SLA guarantees
  • Custom integrations
  • White-label solutions
  • 24/7 premium support
Contact Sales →
For individuals

Send, receive & save
with SmartPay wallet

Africa's most trusted digital wallet — free forever, pay only when you transact.

🔥 Most Popular
SmartPay Premium
KES 0
per month · free forever
  • Send up to KES 500,000/month
  • Receive unlimited funds
  • Local transfers (0.5% fee)
  • Priority customer support
  • Virtual account number
  • Spend tracker & analytics
Get Premium Free →
Fair & transparent

What you pay per transaction

Simple, usage-based pricing — you only pay when you move money.

💸 Outgoing payments

M-Pesa STK Push (payment request)1.5% + KES 5
B2C (send to customer)1.2% + KES 5
Bank transfer (to any Kenyan bank)KES 35 flat
Withdrawal to M-Pesa0.8% (min KES 10)

📥 Incoming & wallet

Receive money (C2B / payment link)1.0% + KES 5
Wallet top-up via M-Pesa0.5% (max KES 150)
Internal SmartPay transferFREE
Failed transaction / reversalKES 0 (no fee)

* All fees are inclusive of taxes. No monthly minimums. Enterprise customers get custom volume discounts.

common questions

Everything you need to know

About our pricing and plans

What payment methods do you accept?

We accept all major mobile money options (M-Pesa, Airtel Money, Tigo Pesa) and bank transfers in Kenyan Shillings. Enterprise plans support additional currencies.

What does the Professional plan integration include?

Our KES 800 Professional plan includes full integration support where our team will work with you to connect your system to our API. This includes initial setup, testing, and troubleshooting to ensure everything works smoothly.

Can I switch plans later?

Yes, you can upgrade or downgrade your plan at any time. Changes take effect immediately, and we'll prorate any differences in pricing.

What happens if I exceed my transaction limit?

If you exceed your monthly transaction limit, additional transactions will be charged at KES 1 per transaction. You'll receive notifications as you approach your limit.

Ready to get started?

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