Qitero Qitero

Equitel

Country: Kenya (KE)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 20%

Equitel is Equity Bank's MVNO mobile wallet in Kenya, integrating mobile SIM services directly with bank account auto-debit payments.

🔄 User Payment Flow

  1. Customer selects Equitel at checkout and inputs phone number
  2. Checkout triggers Equitel mobile prompt / STK push
  3. Customer enters Equitel PIN to confirm payment from Equity Bank account
  4. Equitel clears payment instantly and notifies merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for Equitel session token
  • PSP issues payment token and Equitel mobile payload
  • PSP receives Equitel clearing webhook notification and confirms order status