PesaLink FAQs

PesaLink is an instant, open and interoperable payment network facilitating the transfer of funds from one store of value to another (bank account, mobile money, SACCOs, Fintech wallets) etc via online banking, bank mobile app or USSD of up to Ksh 999,999.

PesaLink is operated by Integrated Payment Services Limited (IPSL) and owned by Kenya Bankers Association (KBA). IPSL was established in 2015 under the National Payment System (NPS) Act.

Pesalink’s infrastructure allows transfer of funds across multiple payment ecosystems regardless of their specific platform. It allows all participants connected to it to interact with each other seamlessly. These participants include Banks, SACCOS, Fintechs, MFIs and mobile money.

You can access PesaLink through your Banks online/internet banking, bank mobile app or USSD to transfer funds. Contact your bank for further enquiries on how to access and use PesaLink services.

PesaLink is the instant and secure way to pay from account-to-account. Just follow these 5 easy steps:

• Open your online banking, mobile app or USSD and select PesaLink.
• Choose from the ‘send to phone’ or ‘send to account’.
• Enter the phone number or account details, the amount, and a reference (optional).
• Confirm the name, total amount and transaction fee and then make the payment.
• Check the instant notification (on SMS or App) on the transaction status. Contact your bank immediately if it doesn’t look right.

Contact your bank for further enquiries on how to access and use PesaLink services.

You can transfer up to 999,999 per transaction. However, your bank may have limits for security reasons. Kindly contact your bank and request for your limit to be increased.

All your PesaLink transactions appear in your bank statements, or the transaction history on your online banking and mobile app. Contact your bank for further enquiries on how to view your PesaLink transactions.

If you’re an account holder at one of our partners, you can use PesaLink for any instant account-to-account payments to people and businesses. PesaLink supports retail and supplier payments, rent, bulk payments, salary disbursements, SACCO transactions and much more.

We are in regular discussions with our partners and the regulator about opening the PesaLink platform for several new instant account-to-account payment types. We will provide further updates as soon as we can.

Fees will vary from bank to bank. Kindly contact your bank for specific charges.

You can use PesaLink at any time of the day, including weekends and holidays. Daily limits may apply from one bank to another. Kindly check with your bank.

With PesaLink, you can confirm details of your transaction before you complete the transfer, and you also receive a transaction receipt via SMS after a successful transfer. If you make a mistake or see a payment that you don’t recognise, contact your bank immediately. They will advise you on the process to follow.

PesaLink does not have an app. However, you access PesaLink via your online banking, bank mobile app or USSD.

Most leading banks offer bulk payments to their business customers using PesaLink. Kindly contact your bank for further enquiries.

We are in regular discussions with our partners and the regulator about opening the PesaLink platform for several new instant account-to-account payment types. We will provide further updates as soon as we can.

PesaLink is an instant, open and interoperable payment network facilitating the instant transfer of funds from account-to-account via online banking, bank mobile app or USSD of up to Ksh 999,999. With mobile money, one has to credit funds into a mobile money wallet. They are typically operated by mobile network operators and are closed looped system.

No, we don't offer loans. PesaLink is a payments network that allows people and businesses to move funds instantly from one store of value to another in real time.