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M-Pesa Business

M-Pesa Business

Kenyan M-Pesa Merchant

VS

Klasha

Businesses that want to collect payments from customers in African markets in local currencies and methods (cards, mobile money, M-Pesa, USSD, bank transfer), or pay suppliers in Asia and abroad from African currencies.

Klasha
Fees from
Custom vs Klasha Pay / Payment Links: 2.9% for NGN; 2.9% for KES; 4.0% for ZAR. Klasha Wire (fees based on transaction volume): $1,000 - 2.75%; $5,000 - 2.27%; $10,000 - 2.21%; $20,000 - 2.18%; $50,000 - 2.16%. Zero set-up fees. Fees are only charged per transaction made.
Features

0 shared

3 unique to M-Pesa Business
Regions

0 shared

1 unique to M-Pesa Business
Pay methods

2 shared

9 unique to Klasha
On payment methods

Klasha supports 11 payment methods, 9 more than M-Pesa Business. Verify directly with each provider before signing.

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Show full specs
3 features · 11 payment methods · 1 regions. We don't rank these — they're here for reference.
M-Pesa Business M-Pesa Business
Klasha Klasha
Quick Facts
Fees
Standard transaction rate
Custom
Klasha Pay / Payment Links: 2.9% for NGN; 2.9% for KES; 4.0% for ZAR. Klasha Wire (fees based on transaction volume): $1,000 - 2.75%; $5,000 - 2.27%; $10,000 - 2.21%; $20,000 - 2.18%; $50,000 - 2.16%. Zero set-up fees. Fees are only charged per transaction made.
Settlement
Time to receive funds
Instant
Your money is automatically settled in your Klasha wallet. To request payouts in your bank account, it takes T+1 for Nigerian merchants and T+3 for merchants in other African countries and international merchants
Founded
2007
—
Headquarters
Kenya
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
M-Pesa Business leads (3 vs 0)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
Klasha leads (11 vs 2)
Alipay Unique
—
✓
Bank Transfer
✓
✓
M Pesa Unique
—
✓
Mastercard Unique
—
✓
Mobile Money
✓
✓
Payment Link Unique
—
✓
Unionpay Unique
—
✓
Ussd Unique
—
✓
Verve Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
M-Pesa Business leads (1 vs 0)
Africa Unique
✓
—

M-Pesa Business is best when you...

Kenyan M-Pesa Merchant
Need Enterprise
Not available with Klasha
Need Instant Payout
Not available with Klasha
Want coverage in Africa
Klasha doesn't cover this region
View M-Pesa Business

Klasha is best when you...

Businesses that want to collect payments from customers in African markets in local currencies and methods (cards, mobile money, M-Pesa, USSD, bank transfer), or pay suppliers in Asia and abroad from African currencies.
View Klasha

Frequently Asked Questions

What is the difference between M-Pesa Business and Klasha?
They share 2 payment methods and 0 regions. Klasha adds Alipay, M-Pesa, Mastercard and 6 more that M-Pesa Business does not list; M-Pesa Business also covers Africa; only M-Pesa Business offers Enterprise, Instant Payout and 1 more.
Which is cheaper, M-Pesa Business or Klasha?
M-Pesa Business has custom pricing quoted on engagement; Klasha has published rates from Klasha Pay / Payment Links: 2.9% for NGN; 2.9% for KES; 4.0% for ZAR. Klasha Wire (fees based on transaction volume): $1,000 - 2.75%; $5,000 - 2.27%; $10,000 - 2.21%; $20,000 - 2.18%; $50,000 - 2.16%. Zero set-up fees. Fees are only charged per transaction made.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use M-Pesa Business and Klasha?
M-Pesa Business lists 1 region and 2 payment methods; Klasha lists 0 and 11. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do M-Pesa Business and Klasha compare on integration and settlement?
M-Pesa Business offers a sandbox, Klasha does not list one; M-Pesa Business supports webhooks; M-Pesa Business settles in Instant, Klasha in Your money is automatically settled in your Klasha wallet. To request payouts in your bank account, it takes T+1 for Nigerian merchants and T+3 for merchants in other African countries and international merchants.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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