Send money to Kenya
For businesses paying suppliers, staff and partners. Pay out in KES to M-Pesa, Airtel Money, PesaLink and Bank. Fund from USD, EUR, GBP or the USDC and USDT stablecoins, with the rate shown before you confirm.
Stablecoin payments in Kenya for businesses →Updated October 2026
The fastest way for a business to send money to Kenya is a direct payout to M-Pesa in KES. With ElementPay it is sent on local rails with the rate and fee shown upfront, funded from fiat or stablecoins.
Payout rails in Kenya.
Mobile moneyM-Pesa
Mobile money wallet, paid to the recipient’s phone number.
Phone · +254Mobile moneyAirtel Money
Mobile money wallet, paid to the recipient’s phone number.
Phone · +254BankPesaLink
Real-time transfers between Kenyan banks, using the account number and bank.
Account number + bankBankBank
Local bank transfer to accounts in Kenya.
Account number + bankStablecoin funded
Send digital dollars, deliver KES on any rail above.
How to send money to Kenya.
- 01Add the recipientEnter their phone number in +254 format for M-Pesa and Airtel Money, or their bank details.
- 02Lock the KES rateChoose USD, EUR, GBP, USDC or USDT as the source. The KES amount and fee are fixed before you confirm.
- 03DeliveredThe payout lands on M-Pesa in Kenya. A webhook and receipt confirm delivery.
Popular routes to Kenya.
Payments in Kenya.
M-Pesa, run by Safaricom since 2007, is how most Kenyans pay and get paid, and Airtel Money is the second-largest wallet. PesaLink connects Kenyan banks in real time, which makes it the usual choice for supplier and payroll payments to bank accounts.
Questions about Kenya.
How long does it take to send money to Kenya?
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Most ElementPay payouts to M-Pesa in Kenya are sent on local rails as soon as you confirm, with a status for every payment.
Which payout methods are available in Kenya?
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ElementPay pays out in KES to M-Pesa, Airtel Money, PesaLink and Bank. Mobile money payouts need the recipient’s phone number in +254 format. Bank payouts need the recipient’s account number and bank.
Can I send money to Kenya with USDC or USDT?
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Yes. Hold USDC or USDT in your ElementPay balance and use it to fund any payout to Kenya. ElementPay converts to KES at a rate shown before you confirm and delivers on the local rail.
Can I hold KES in an ElementPay account?
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Yes. ElementPay issues KES bank accounts, one per currency, so you can receive, hold and pay in Kenyan shillings.
What currency does the recipient receive in Kenya?
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Recipients in Kenya are paid in Kenyan shillings (KES). You can fund the payout from USD, EUR, GBP, any of ElementPay’s 30 account currencies, or USDC and USDT.
Is ElementPay a bank?
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No. ElementPay is a financial technology company. Banking services are provided by licensed partner institutions.
Also in East Africa.
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