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Integrated Payments Service Limited (IPSL) is the real-time payment services company of Kenya Bankers Association. Established in 2015 under the National Payment System (NPS) Act, to address the challenge of inter-bank money transfers in the country. The company provides a secure and instant money transfer rails, branded PesaLink.

PesaLink provides 24 x 7 x 365 real-time payment services for the banking industry in Kenya. The ecosystem, today, consists of banks, payment service providers (PSPs) and savings and credit cooperative societies (SACCOs) and a telco. PesaLink continues to provide a compelling proposition to bank and non-bank financial institutions, consumers, merchants and businesses for real-time transfer, within seconds, enabling immediate value, with same-day settlement capabilities. This has continued to be an exciting reality for consumers across banks with access to PesaLink through various digital banking platforms.

PesaLink Transformation and Modernization

Globally, real-time payments (RTP) rails have become and will continue to be one of the most critical innovations in the banking industry. As digitization of payments gains momentum, this trend has inevitably resulted in technology investment modernize and transform real-time payments infrastructure to ensure a robust, resilient and data enriched 24 x 7 x 365 real-time payment platform for the banking industry.

Kenya, through Integrated Payment Services Limited (IPSL) has now become one of the trailblazers in the industry, migrating to a modernized real-time payment platform based on ISO20022- global messaging standard for instant payments. This transformation would enable partners to develop and launch new ‘push’ and ‘pull’ payment use cases.

We are your instant payment partner

Pesalink delivers safe, secure and efficient transactions