Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Mobile Money

Market specifications

Do you want to know more information about Kenya's market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`KE`	`KES`	0	National ID Card or Maisha Id	Between 6 and 9 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Allowed Flows	Logo
`AN` / Airtel	Mobile Money	`BANK_TRANSFER`	`DIRECT`
`SF` / Safaricom	Mobile Money	`BANK_TRANSFER`	`DIRECT`

Cards

Capabilities

	Visa Credit	Mastercard Credit	Visa Debit	Mastercard Debit
Minimum amount	51 KES	51 KES	51 KES	51 KES
Refunds	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes
Descriptor	Merchant name	Merchant name	Merchant name	Merchant name

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

Mobile Money

What is Mobile Money?

Across Africa, mobile money functions as a bank-free digital currency system that allows anyone with a mobile phone to store, send, and spend money directly without needing a traditional bank account.

Retail Pay-Ins in Kenya

In Kenya, leading mobile wallets like M-Pesa and Airtel Money use this system to power instant retail pay-ins across physical storefronts via merchant tills, while also enabling seamless digital checkouts across e-commerce platforms and super-app ecosystems.

Customize payment options

M-Pesa (Safaricom). To offer M-Pesa, complete "payment_method_id": "SF".
Airtel Money. To offer Airtel, complete "payment_method_id": "AN".

📘
Choosing the right operator
Make sure to know the user's telecommunications company before initiating the payment, and send the corresponding payment_method_id (SF or AN).

⚠️
Generic MW payment method ID
The generic MW payment method ID still works as a legacy catch-all across all supported telecom operators in Kenya. However, we recommend pointing directly to the operator (SF for M-Pesa or AN for Airtel) for more precise routing and processing.

To find all the available payment options, refer to the Alternative Payment Method supported section.

Capabilities

	Mobile Money
Min. amount	51 KES
Max. expiration time supported	5 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT`
Supported wallets	mPesa/Safaricom, Airtel.

UX Flow

Flow might slightly differ depending on the provider.

Alternative flow

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`KES` Transaction currency in ISO 4217.	Yes
`country`	String	`KE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`SF` (M-Pesa) or `AN` (Airtel) ID of the selected payment method	Yes
`payment_method_flow`	String	`DIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.phone`	String	Phone number of the payer.	Yes
`payer.document`	String	Document of the payer.	Yes
`order_id`	String	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

M-Pesa (`SF`)

{
    "amount": 1000,
    "currency": "KES",
    "country": "KE",
    "payment_method_id": "SF",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "254746488970",
        "document": "12345678",
        "address": {
            "country": "KE",
            "state":"Mombasa",
            "city": "Mombasa",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-a3e6938f-j76s-4855-b84a-e9d50a6d04a0",
    "amount": 1000,
    "currency": "KES",
    "payment_method_id": "SF",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "KE",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-23T17:20:21.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

{
    "id": "D-4-a3e6938f-j76s-4855-b84a-e9d50a6d04a0",
    "amount": 1000,
    "currency": "KES",
    "payment_method_id": "SF",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "KE",
    "created_date": "2023-01-23T17:20:21.000+0000",
    "status": "PAID",
    "status_detail": "The payment was paid.",
    "status_code": "200",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Airtel Money (`AN`)

{
    "amount": 1000,
    "currency": "KES",
    "country": "KE",
    "payment_method_id": "AN",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "phone": "254746488970",
        "document": "12345678",
        "address": {
            "country": "KE",
            "state":"Mombasa",
            "city": "Mombasa",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-a3e6938f-j76s-4855-b84a-e9d50a6d04a0",
    "amount": 1000,
    "currency": "KES",
    "payment_method_id": "AN",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "KE",
    "bank_transfer": {},
    "ticket": {},
    "created_date": "2023-01-23T17:20:21.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchant.com/notification/new"
}

{
    "id": "D-4-a3e6938f-j76s-4855-b84a-e9d50a6d04a0",
    "amount": 1000,
    "currency": "KES",
    "payment_method_id": "AN",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "KE",
    "created_date": "2023-01-23T17:20:21.000+0000",
    "status": "PAID",
    "status_detail": "The payment was paid.",
    "status_code": "200",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}