Qitero Qitero

PesaLink

Country: Kenya (KE)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 45%

PesaLink is Kenya's national real-time interbank instant payment system operated by IPSL, connecting over 30 commercial banks.

🔄 User Payment Flow

  1. Customer selects PesaLink at checkout and chooses their Kenyan bank
  2. Checkout opens bank online portal or prompts for account reference
  3. Customer verifies transaction details and approves via mobile banking PIN / OTP
  4. PesaLink clears interbank transfer in seconds and confirms merchant payment

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for PesaLink session token
  • PSP issues payment token and PesaLink bank transfer string
  • PSP receives PesaLink interbank clearing webhook notification and confirms order status