Payment Options for Kenyan E-Commerce: The Complete Guide
70% of cart abandonment is due to limited payment options. In Kenya, M-Pesa alone isn't enough.
Payment usage in Kenya: M-Pesa 85%, credit/debit cards 40%, bank transfer 30%, PayPal 20%, buy now pay later 12%.
Gateway comparison: Daraja/Safaricom (M-Pesa only, 1-2%), Pesapal (M-Pesa + cards, 2.5-3.5%), Flutterwave (Pan-African, 1.4-3.8%), Paystack (cards only, 2.9%), Stripe (international, 2.9%), DPO Group (East Africa, 2.5-3.5%).
Payment tiers: Starter (M-Pesa + bank transfer + cash on delivery), Growth (add cards + PayPal), Scale (add buy now pay later + crypto).
Checkout tips: reduce friction (M-Pesa STK push is 3 steps vs 5 for traditional), show trust signals (SSL badge, payment logos, reviews, refund policy), send confirmation via SMS/email. Cart abandonment by options: M-Pesa only 45%, M-Pesa + cards 32%, multiple options 22%, multiple + BNPL 18%. We integrate the right payment mix for your business.