A Smarter Way to Access Financial Services in One Place

Smart, secure, non-custodial, multi-channel payments.

Powered by PesaFlow™

Connect with verified financial providers, compare options instantly, and access loans, savings, insurance, and investments tailored to your needs.

Get Started Become a Provider Partner
Verified Providers
Secure Platform
AI-Powered Matching
Multi-Channel Payments
Mobile Money:
M-PESA
Aitel Money
T-Kash

Digital & Contactless:
Card(Visa/MasterCard)
Stablecoins(USDT/USDC)

Quick & contactless:
Scan QR
Tap To Pay(Card/Phone)
NFC

Business Tools:

  • Bulk Payments

  • Paybill/Till integration

    • PataPesa Dashboard
    Live
    Quick Payment
    Mobile Payments
    Cards
    Stable Coins
    QR CODE

    Transaction Status: Completed

    Security: Non-Custodial

    150+
    Verified Providers
    50,000+
    Users Served
    500+
    Products Available
    6+
    Payment Methods
    < 2 min
    Average Match Time

    How PataPesa Works

    Get matched with the perfect financial solution in just 5 simple steps

    1

    Sign Up

    Create your free account in under 2 minutes

    2

    Tell Us Your Needs

    Answer a few questions about your financial goals

    3

    Get AI-Matched

    For User:Eliminate the guesswork of finding financial services. Our technology maps your goals to a curated selections of savings,investment and credit products,ensuring you only see the options that are relevant and available to you.


    For Providers:Steamline your customer acquisition through data-driven matching. We deliver pre-qualified users who align with your institutional risk and product appetite,helping you scale your offerings with higher precision.

    4

    Compare Options

    Review and compare recommendations side-by-side

    5

    Connect & Pay Directly

    Choose your provider and transact securely via PesaFlow™

    Our Services

    Comprehensive financial solutions for individuals, businesses, and providers

    For Individuals

    Access loans, savings plans, insurance, investments, and wellness programs tailored to your personal financial goals.

    Explore Services

    For Businesses

    Business financing, corporate wellness programs, team benefits, and financial solutions for SMEs and enterprises.

    Explore Services

    For Providers

    Expanded reach, API integration, smart matching, and PesaFlow™ payments to grow your financial institution.

    Explore Services
    PesaFlow™ / QuickPay Access

    Multi-Channel Payment Infrastructure

    PesaFlow™ provides smart, secure, non-custodial payments for users and businesses

    Our platform runs on PesaFlow™, a non-custodial payment system supporting mobile money, bank transfers, cards, and stablecoin payments (USDT/USDC), enabling secure, direct routing between users and providers.

    Non-Custodial: We never hold user funds
    Instant Settlement: Direct routing between user and provider
    Bank-Level Security: PCI DSS compliant infrastructure
    Learn More About PesaFlow™
    QR Payments

    Instant scan-to-pay

    Tap-to-Pay (NFC)

    Contactless payments

    M-PESA & Airtel Money

    Mobile money

    Card Payments

    Visa/Mastercard

    Bank Transfers

    Direct account transfers

    Stablecoins

    USDT / USDC

    All transactions route directly between the user and the provider.

    PataPesa never holds user funds. Experience the security and convenience of non-custodial payments.

    Start Using PesaFlow™

    Provider Hub

    Empower your institutional growth with PataPesa Africa

    The Future of Financial Services Distribution

    In a world where there is a growing demand for technologies that address fragmentation to streamline and satisfy how users interact with financial and wellness services, PataPesa Africa provides a unified, high-intent ecosystem.

    Stop building fragmented digital tools and join a unified growth engine. We save you millions in development while giving you instant access to a ready-to-transact user base.

    Explore Partnership Tiers Schedule a Demo

    Why Institutions Choose PataPesa

    Drastic CAC Reduction

    Connect to users at exact moment of transactional intent

    Enhanced User Conversion

    Seamless, high-speed access with trusted ecosystem advantage

    Fractional Investment

    National reach starting at KES 25,000

    Rapid Deployment

    Go live in 14 days leveraging existing APIs

    Partnership Tiers

    Choose the plan that fits your growth strategy

    Essential

    Marketplace Listing

    KES 25,000
    Setup Fee
    KES 60,000/month

    Note: All prices are quoted exclusive of 16% VAT. Fees are subject to adjustment in alignment with evolving government tax regulations.

    Self-service Provider Dashboard
    Manual product management
    Search visibility in marketplace
    Basic analytics dashboard
    Email support
    Get Started
    Most Popular

    API Integrated Partner

    KES 150,000
    Setup Fee
    KES 150,000/month

    Note: All prices are quoted exclusive of 16% VAT. Fees are subject to adjustment in alignment with evolving government tax regulations.

    Everything in Tier 1, PLUS:
    Automated API connection
    Real-time transaction routing
    Advanced analytics & reporting
    Priority support
    Custom integration assistance
    Start Integration
    Enterprise

    Branded Digital Branch

    KES 200,000
    Setup Fee
    KES ,000/month

    Note: All prices are quoted exclusive of 16% VAT. Fees are subject to adjustment in alignment with evolving government tax regulations.

    Everything in Tier 2, PLUS:
    White-label UI with your branding
    Custom domain option
    Dedicated account manager
    Marketing co-promotion
    Early access to new features
    Schedule Consultation

    Need a custom enterprise solution? Contact our sales team for volume-based pricing and tailored packages.

    Apply to Become a Provider Download Partnership Guide

    Ready to Transform Your Financial Experience?

    Join thousands of users and providers who trust PataPesa for smarter financial services

    Get Started as a User

    Access financial services tailored to your needs with AI-powered matching and secure payments.

    Create Free Account

    Join as a Provider Partner

    Expand your reach, reduce customer acquisition costs, and leverage our payment infrastructure.

    Apply Now

    Contact Us

    We're here to help. Whether you're exploring our platform, need support, or want to partner. Reach out directly.

    Have a quick question? Visit our Help Center →
    All systems operational View status

    Send Us a Message

    We typically respond within 2–4 hours on business days.

    🔒 Your data is protected under the Kenya Data Protection Act. Encrypted & secure.

    Other Ways to Reach Us

    Live Chat

    Typically replies in ~2 minutes during business hours.

    Offline? Leave a message — we'll reply via email.

    Email Support

    support@patapesa.africa

    Best for detailed inquiries. Response within 24 hours.

    Emergency Support

    For fraud reports or account lock issues:

    +254 700 000 000

    Available 24/7

    You’ll be helped by our Nairobi-based team
    Real people. No bots. Always professional and kind.

    Our Office

    PataPesa Africa
    A product of Circle Fund TechAfrica Limited
    TuWork Coworking Nairobi
    Olenguruone Avenue, Lavington
    Nairobi, Kenya

    Mailing Address:
    TuWork Park
    P.O. Box 17888 - 00100
    Nairobi, Kenya

    Operating under Kenyan law. Non-custodial marketplace.