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Send money from the US to Kenya
For businesses paying suppliers, staff and partners. Fund in USD by ACH or wire into your USD account, then pay out in KES to M-Pesa, Airtel Money, PesaLink and Bank in Kenya. No correspondent banks, open at weekends.
Updated October 2026
Fund your ElementPay balance in USD by ACH or wire into your USD account, then pay out in KES to M-Pesa in Kenya. Most payouts are sent on local rails, with the rate shown upfront.
The route.
Your USD balanceACH or wireM-PesaRecipient in KenyaHow to send money from the US to Kenya.
- 01Fund in USDTop up by ACH or wire into your USD account, or use an existing USDC balance.
- 02Add the recipientPhone number in +254 format for mobile money, or bank details.
- 03Lock and sendThe KES amount and fee are fixed before you confirm. Payouts go out on M-Pesa as soon as you confirm, with a status for every payment.
Compared with a bank wire.
| BANK WIRE | ELEMENTPAY | |
|---|---|---|
| Delivery | 2–5 business days | Depends on the local rail |
| Weekends | Closed | Open |
| Fees | Deducted by intermediaries | Shown before you send |
| Delivers to mobile money | No | M-Pesa and Airtel Money |
| Stablecoin funding | No | USDC and USDT |
Common questions.
What is the fastest way to send money from the US to Kenya?
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Fund your ElementPay balance in USD by ACH or wire into your USD account, then pay out in KES to M-Pesa in Kenya. Most payouts are sent on local rails, with the rate shown upfront.
How much KES will the recipient get?
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As an indication, 1 USD is about 129 KES (October 2026). Your exact rate and fee are shown before you confirm, and the KES amount is fixed once you approve.
Which payout methods can I use in Kenya?
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M-Pesa, Airtel Money, PesaLink and Bank.
Is it open at weekends?
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You can create payouts to Kenya at any time. Delivery timing depends on the local rail, and every payment shows its status.
Can I fund with stablecoins instead of USD?
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Yes. You can fund any payout to Kenya from a USDC or USDT balance instead of USD.
More routes.
