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Sending to Kenya 🇰🇪

Send payments to Kenya through Safaricom M-Pesa, Airtel Money, or direct bank transfers. Payments are automatically converted from USDC to Kenyan Shillings (KES) and settled on local payment rails.

Benefits of using reply.cash for Kenya:

  • Lower fees - Typically under 2% vs 3-8% for traditional remittances
  • Instant settlement - Mobile money payments process in 1-5 minutes
  • No registration required - Recipients don't need to register mobile money numbers
  • Privacy - Avoid mobile money registration tracking that reveals location and personal information
  • Universal balance - One crypto balance works for all countries, no need to maintain separate balances

Supported Payment Methods​

  • Safaricom M-Pesa - Kenya's most popular mobile money service
  • Airtel Money - Alternative mobile money provider
  • All Banks - Direct transfers to any Kenyan bank account

📚 Want to learn more about payment methods? Check out our deep dive guides:

Transaction Limits​

  • Minimum: KES 20
  • Maximum: KES 250,000

How to Send​

Step 1: Prepare Your Wallet​

  1. Ensure you have USDC in your Solana wallet
  2. Have a small amount of SOL for gas fees (< $0.01)
  3. Connect your wallet to reply.cash

Step 2: Initiate Payment​

  1. Open the reply.cash app
  2. Tap "Send" on the home screen
  3. Select "Local Payment Rails" or "Mobile Money"
  4. Choose 🇰🇪 Kenya from the country list

Step 3: Select Payment Method​

Choose one of the following:

Option A: Safaricom M-Pesa​

  1. Select "Safaricom M-Pesa" as the payment method
  2. Enter the recipient's M-Pesa registered phone number (e.g., +254712345678)
  3. Enter the amount in KES (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Option B: Airtel Money​

  1. Select "Airtel Money" as the payment method
  2. Enter the recipient's Airtel Money registered phone number (e.g., +254712345678)
  3. Enter the amount in KES (or USD - it will auto-convert)
  4. Review the conversion rate and total
  5. Confirm the transaction

Option C: Bank Transfer​

  1. Select "Bank Transfer" or "All Banks" as the payment method
  2. Enter the recipient's bank account number
  3. Select the recipient's bank name from the list
  4. Enter the amount in KES (or USD - it will auto-convert)
  5. Review the conversion rate and total
  6. Confirm the transaction

Step 4: Confirm and Send​

  1. Review all details:
    • Recipient's phone number or account details
    • Amount in KES
    • Exchange rate
    • Total USDC to be deducted
    • Transaction fee
  2. Tap "Confirm" or "Send"
  3. Authenticate using your wallet (approve the transaction)
  4. Wait for confirmation (usually 1-2 seconds)

Step 5: Payment Settlement​

  • Payment is processed and settled on local rails
  • Recipient receives funds in their M-Pesa, Airtel Money, or bank account
  • You receive a receipt for your records
  • Recipient receives SMS notification (if enabled)

What Recipients Need to Know​

For M-Pesa Recipients​

  • Recipient must have an active M-Pesa account registered with the phone number
  • Funds appear in their M-Pesa balance immediately
  • They can withdraw at M-Pesa agents, use for payments, or transfer to bank
  • No action required - funds are automatically deposited

For Airtel Money Recipients​

  • Recipient must have an active Airtel Money account registered with the phone number
  • Funds appear in their Airtel Money balance immediately
  • They can withdraw at Airtel agents or use for payments
  • No action required - funds are automatically deposited

For Bank Recipients​

  • Recipient must have an active bank account with the provided account number
  • Funds are deposited directly to their bank account
  • Processing time may vary by bank (typically within minutes)
  • Recipient receives bank notification (if enabled)

Important Notes​

Phone Number Format​

  • Use international format: +254 followed by the 9-digit number
  • Example: +254712345678 (not 0712345678)
  • Ensure the phone number matches the registered M-Pesa/Airtel account

Currency Conversion​

  • USDC is automatically converted to KES at current exchange rates
  • Exchange rate is shown before confirmation
  • Conversion happens in real-time during the transaction

Transaction Fees​

  • Recipients receive the full amount - no fees deducted
  • Senders pay only blockchain gas fees (SOL, < $0.01)
  • No additional fees during initial growth phase

Limits and Restrictions​

  • Minimum transaction: KES 20
  • Maximum transaction: KES 250,000
  • Daily limits may apply based on recipient's account type
  • Ensure recipient's account can receive the amount

Troubleshooting​

Payment Failed​

  • Check that you have sufficient USDC and SOL in your wallet
  • Verify the phone number or account number is correct
  • Ensure the amount is within limits (KES 20 - KES 250,000)
  • Check recipient's account is active and can receive funds

If USDC was deducted but payment didn't complete: See our Refund Policy for instructions on requesting a refund.

Recipient Didn't Receive Funds​

  • Verify the phone number matches their registered M-Pesa/Airtel account
  • Check if recipient's account has any restrictions
  • Wait a few minutes - some banks may take longer to process
  • Contact support with transaction hash if issue persists

Wrong Amount Received​

  • Exchange rates fluctuate - check the rate at time of transaction
  • Verify the amount you entered matches what was sent
  • Check transaction receipt for exact conversion details

Security Tips​

  • ✅ Always double-check phone numbers before sending
  • ✅ Verify recipient's identity for large transactions
  • ✅ Save transaction receipts for your records
  • ✅ Never share your wallet recovery phrase
  • ✅ Use official reply.cash app only

Need Help?​

For information about other supported countries, see Supported Platforms.