M-Pesa payouts in Kenya.Same API as bank payouts.

Pay KES to M-Pesa wallets and Kenyan bank accounts with one payout call. Fund in the currency you hold.

Talk to our team Read the docs(opens in a new tab)

One KES payout call, two rails

What M-Pesa is.Kenya's mobile money wallet.

M-Pesa is a mobile money service for holding, sending and receiving money by phone in Kenya. Nilos pays KES into M-Pesa wallets and Kenyan bank accounts through one payout API.

How Nilos connects to M-Pesa and Kenyan banks.

In Kenya, Nilos is an ASP of a CBK-licensed microfinance bank. You need no separate M-Pesa float or bank integration.

Termination into M-Pesa wallets
Termination into Kenyan bank accounts
Funds segregated at licensed partner banks

Typical speeds.What to expect on each rail.

Speeds are typical, not guaranteed. Ask us about amounts for your volumes.

Rail	Typical speed	Status
M-Pesa wallet	Ask us	Live
Kenyan bank account	Ask us	Live

One payout call for KES.

Quote to lock the rate, then send KES to the wallet or bank. The Payout resolved webhook tells you when it lands.

Quote by API before each payout
Status by webhook and in the dashboard
Same call as every Nilos payout

POST /v1/payout/transfer
{
  "accountId": "acc_…",
  "recipientId": "rcp_…",
  "sourceCurrency": "EUR",
  "targetCurrency": "KES",
  "amount": 1000, "side": "SELL",
  "reference": "INV-2041"
}
// M-Pesa targetRail value: see the docs

WEBHOOK Payout resolved
// status and rail reference

M-Pesa payout questionswe hear on calls.

Do we need our own M-Pesa float?

No. You fund your Nilos account and we pay into M-Pesa. There is no separate float to top up and watch.

Can we pay Kenyan bank accounts too?

Yes. The same payout call sends KES to Kenyan bank accounts.

Who is licensed in Kenya?

Our partner, a CBK-licensed microfinance bank. Nilos is its ASP. See compliance.

Can we fund in KES?

Yes. You can fund in local currency, including KES. No USD pre-funding.

Send your first KES payout.M-Pesa and banks, one account.

Tell us your volumes and beneficiaries. We'll set up both rails.

Talk to our team See all payouts