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SmartPesa | Omnichannel Merchant Acquiring
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Omnichannel Merchant Acquiring

End-to-end payment acceptance with Desktop POS, mPOS, Android POS, and integrated payment solutions.

Easily accept card present and card not present transactions. SmartPesa supports all types of cards, including locally issued cards and international card schemes such as Visa, Mastercard and China UnionPay. Fully extendable to Wallets such as Android Pay, Apple Pay and Samsung Pay; and technologies such as AliPay, WeChat Pay, QR codes, and biometrics.

  • Secure real-time transactions
  • Physical (CP) or Online (CNP)
  • Standalone or mPOS
  • Portfolio dashboard
  • Audit trails and Big Data
  • Automated settlement
  • Easy and flexible integrations
  • Reduced cash management
  • EMV L2 and PCI certified
  • Smart transaction integrity
  • Detailed and automated reporting

Easy and Flexible Integration

White-label application


Fully white-labelled mobile application to quickly start accepting card payments. Intuitive with seamless Bluetooth pairing gets any merchant up-and-running in seconds.


Read more.

Standalone terminal


Use low cost mPOS terminals in standalone mode (mobile phone not required) to directly take card payments . All transaction data remains centrally stored server side and faulty terminals can be swapped out by merchants themselves – no engineer need visit.

Inside your mobile apps


Easily integrate SmartPesa’s payment system into your or any 3rd party’s existing mobile application or Point-Of-Sales system. Embed payments and start accepting card transaction in minutes!

Value Added Services

Point-Of-Sales Integration

Enrich the customer payment experience with easy and flexible integration with most major point-of-sales systems on Windows Embedded and Online POS e.g. Vend, Olsera, Octopos. All transaction details are automatically reconciled

Bill Payments & Airtime Top-ups

Accept payments on behalf of 3rd parties for all bills such as water & electricity, airtime and taxes. All payment reference information is validated prior to transaction and sent electronically to the 3rd party in real time (e.g. for immediate airtime crediting).

Kiosks & Vending Machines

Enable electronic card payments at unattended kiosks (e.g. user driven bill payments, airtime loading, parking) and vending machines.

Better Merchant Management

spManage is a comprehensive merchant onboarding and merchant management tool for centralised administration, merchant enrollment, and business analytics. Improve on Know-Your-Client (KYC) and Anti-Money Laundering (AML) checks during your merchant acquisition. Streamline your onboarding processes for multi-mode acceptance across multiple payment channels.


spWorkflow capabilities assist in automating processes from circulating daily statements, rendering reports for better merchant management, and automation of daily operational processes. Improve your acquiring efficiency while driving down operational costs.

Acquiring in Action

Settlement and Reporting

Merchants no longer need to worry about end-of-day settlement and reconciliations: all information is stored in the central servers. No transactions are stored in terminals and there is no risk of lost transactions. All settlement and reporting is automated and merchants have anytime access to the full transaction history across all operators and all payment terminals.

Automated end-of-day settlement


All settlement processes are done automatically according the set intervals or manually initiated. No more button pressing at the end of the day.

Understand your performance


Utilise rich data and customer purchase behaviour from SmartPesa reporting tools to better understand your customer and increase engagement and revenue.

Improve customer stickiness


SmartPesa has successfully been integrated with Welcome-RT and other 3rd party loyalty scheme providers to effectively create repeat customers and increase stickiness.


Learn more about loyalty integration

Card Not Present

Our acquiring gateway readily accepts card-not-present payment. Be in control of powerful omnichannel payment in both offline (brick-and-mortar) and online payment options. Transactions are processed directly by our platform at lowest acquiring rates.

QR & Wallets

Acquire QR Codes and Wallets with real-time integration to APIs of Alipay, WeChat and store-value platforms


Connects directly to SmartPesa Payment API for a smoother card-not-present online checkout experience.

Want to learn more about SmartPesa?