What IntaSend does

IntaSend Solutions Limited is a Kenya-based, CBK-licensed payment infrastructure provider founded in 2020 and headquartered in Nairobi. The company offers a single RESTful API and pre-built commerce integrations that connect African merchants to fragmented local payment rails — primarily Safaricom M-Pesa and PesaLink — alongside card networks (Visa, Mastercard) and global digital wallets (Apple Pay, Google Pay, CashApp). Its core products are Payment Collection (multi-currency in KES, USD, EUR, GBP), Business Payments (bulk payouts to Kenyan mobile wallets and bank accounts), and Cross-Border Payments (payroll and disbursements across 9 African countries including Kenya, Uganda, Tanzania, Nigeria, Ghana, Ivory Coast, Cameroon, Burkina Faso, and Sierra Leone).

The platform is differentiated by a unified integration layer that eliminates country-by-country mobile money setup, backed by a 5-layer ML fraud verification engine with real-time risk scoring (0-100) and a claimed 90% chargeback reduction. White-label products — Split Payments Infrastructure and Wallet as a Service — extend the platform to CBK-licensed financial institutions, while developer-facing assets include SDKs for Python, React, PHP, Node.js, Flutter and a sandbox environment. Security and compliance posture includes PCI-DSS (audited with SISA InfoSec), GDPR, 3D Secure, and 256-bit encryption.

IntaSend monetizes via per-transaction fees on a pay-as-you-go model with no setup costs, supplemented by a referral program offering 1.2% commission (capped at $1,000 per referral). Its GTM is API-first and PLG-led for SMBs (5,000+ merchants across e-commerce, travel, education, food and beverage), with a sales-assisted enterprise motion and a marketplace-distribution strategy through Shopify, WooCommerce, WordPress, Odoo and WHMCS plugins. The company is privately held, operates with 1-10 employees, and has not disclosed institutional funding beyond a 2023 pre-seed/seed from FrontEnd Ventures.

Name

IntaSend

Legal name

IntaSend Solutions Limited

Website

https://intasend.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

IntaSend is a CBK-licensed Kenyan payment infrastructure provider offering a single API for M-Pesa, card, and cross-border payments across 9 African countries. It serves 5,000+ SMB merchants and CBK-licensed financial institutions via white-label split payments and developer SDKs.

Ownership category

akta.pro rank

Product category

Payment Gateway / Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Payouts, Disbursements & Marketplace Split Payments (CRAFALAI), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Payment gateway Africa
• Mobile money API
• Cross-border payments
• Payment infrastructure
• Merchant payment processing

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. Transaction Processing Fees: Fees charged per transaction processed through the platform. Transaction fees are transparent with no hidden costs. Fees are exclusive of VAT or other applicable taxes.
2. Payment Gateway Services: API access and infrastructure for collecting and sending payments across Africa. Includes fraud protection, network connectivity, and reporting.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

IntaSend provides a unified payment infrastructure platform that enables African businesses to collect payments via mobile money (M-Pesa, PesaLink), card networks, and digital wallets through a single API, and to send bulk disbursements (payroll, supplier payments) across 8+ African countries. The platform includes a developer-facing RESTful Payments API, M-Pesa STK Push and B2B integration, multi-currency wallet management, fraud prevention with real-time risk scoring, and white-label split-payments infrastructure for CBK-licensed financial institutions.

Product overview

IntaSend is a payment infrastructure platform for African businesses, providing APIs, fraud detection, and mobile money network connectivity. The core offering consists of Payment Collection and Business Payments modules, supported by a developer-facing Payments API and M-Pesa API. The platform enables merchants to collect payments via M-Pesa, PesaLink, cards, Apple Pay, Google Pay, and CashApp, and to send bulk disbursements across 8+ African markets. Advanced infrastructure products include Split Payments Infrastructure (for CBK-licensed institutions) and Wallet as a Service. The platform is enhanced with Fraud Prevention Technology (ML-based anomaly detection) and Recurring Billing for subscriptions. All banking services are provided through licensed banking partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Collection Enables merchants to accept payments from customers via M-Pesa, PesaLink, card payments, Apple Pay, Google Pay, and CashApp through a single integration. Supports multi-currency transactions in KES, USD, EUR, and GBP. Designed for online stores and businesses requiring unified African payment acceptance.
• Business Payments Enables businesses to send bulk payouts to employee salaries, supplier payments, and other disbursements. Delivers funds to any Kenyan mobile wallet (M-Pesa) or bank account with lower fees than traditional banks and faster delivery than wire transfers.
• Cross-Border Payments Provides reliable payroll and mass payout capabilities across 8+ African countries including Kenya, Uganda, Tanzania, Nigeria, Ghana, Ivory Coast, Cameroon, Burkina Faso, and Sierra Leone. Features multi-currency support, real-time fund transfers, and detailed reporting through a single API integration.
• Split Payments Infrastructure White-label payment infrastructure for CBK-licensed financial institutions. Allows managing customer sub-accounts, processing split payments, and handling multi-currency operations through enterprise APIs. Available exclusively to entities holding valid Central Bank of Kenya licenses.
• M-Pesa API Provides direct API integration with Safaricom M-Pesa network for both payment collection (STK Push) and business-to-business (B2B) transactions. Enables automated M-Pesa payment processing for businesses and developers.
• Payments API RESTful API enabling developers to build payment features into their products. Supports Python, ReactJS, PHP, Node.js, and Flutter SDKs. Includes sandbox testing environment at sandbox.intasend.com and comprehensive documentation at developers.intasend.com.
• Wallet as a Service White-label wallet infrastructure enabling financial institutions and businesses to offer digital wallet services to their customers with sub-account management capabilities. Supports multi-currency operations.

Quantifiable outcome

• 90% chargeback reduction with fraud prevention technology
• +2 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability1 record

Feature8 records

Partnerships

14 partnerships are on record, tiered core and secondary.

• ShopifycoreTechnology or IntegrationPre-built IntaSend payment integration available for Shopify merchants in Kenya, allowing easy M-Pesa and card payment acceptance
• WooCommercecoreTechnology or IntegrationWooCommerce plugin integration enabling M-Pesa and payment collection for WordPress-based online stores
• WordPresscoreTechnology or IntegrationWordPress plugin for payment acceptance including M-Pesa integration
• OdoosecondaryTechnology or IntegrationPayment solution integration for Odoo ERP users in Kenya
• WHMCSsecondaryTechnology or IntegrationPayment gateway integration for WHMCS hosting and billing platform
• M-Pesa (Safaricom)coreTechnology or IntegrationPrimary mobile money network integration for payment collection and disbursement in Kenya through M-Pesa API
• PesaLinkcoreTechnology or IntegrationBank transfer integration through PesaLink network for seamless payment processing
• SISA InfoSeccoreTechnology or IntegrationSecurity certification partner for PCI-DSS compliance maintenance and security audits
• Apple PaycoreTechnology or IntegrationDigital wallet integration for Apple Pay acceptance at checkout
• Google PaycoreTechnology or IntegrationDigital wallet integration for Google Pay acceptance at checkout
• CashAppcoreTechnology or IntegrationPayment method support for CashApp transactions
• Stanbic Bank LimitedsecondaryTechnology or IntegrationBanking partner contributing security expertise to IntaSend's payment infrastructure
• AIICO InsurancesecondaryTechnology or IntegrationInsurance partner contributing to IntaSend's security and compliance standards
• CBK-Licensed Financial InstitutionscoreTechnology or IntegrationWhite-label payment infrastructure for entities holding valid Central Bank of Kenya licenses for payment services, enabling split payments and multi-currency operations

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Regional players

• DPO Group (Direct Pay Online): Pan-African payment service provider offering card and mobile-money acceptance across multiple African countries with a focus on enterprise and cross-border. Comparable in cross-border payout and aggregation model.
• Cellulant: Africa-wide payments platform powering collection, disbursement and mobile-money connectivity (e.g., Tingg). Comparable as a multi-country mobile-money aggregator targeting merchants and platforms.

Emerging players

• DPO Pay (Kopo Kopo): Kenyan payment API focused on M-Pesa collection, Till/Stk push and SMB disbursements. Closely comparable niche: a Kenyan fintech aggregating M-Pesa via APIs for SMBs and platforms.
• Chipper Cash: Pan-African consumer and business payments app with cross-border transfers and merchant payouts. Comparable cross-border payout coverage (multiple African corridors) and developer/API distribution model.
• Jumo: African embedded finance platform providing wallets, payments and lending infrastructure to partners. Comparable embedded-payments/BaaS positioning targeting platforms in African markets.

Direct peers

• Flutterwave: Pan-African payment gateway serving merchants with multi-currency collection, payouts and cross-border APIs. Closest direct peer given overlapping mobile-money/card aggregation, Africa-wide footprint, and developer-first API model.
• Pesapal: East African (Kenya/Uganda/Tanzania) payment gateway with M-Pesa, card and bank integrations. Competes head-to-head with IntaSend in Kenya on payment collection and SMB integrations.
• Paystack: Stripe-owned African payment gateway offering card, bank, and mobile-money acceptance plus payouts. Comparable in product scope (collection, payouts, subscriptions, fraud) and target SMB/developer segment.

Broad incumbents

• Onafriq (formerly MFS Africa): Largest African cross-border mobile-money and payments hub connecting 500+ mobile wallets. Comparable cross-border payout and wallet-aggregation infrastructure across Africa.
• Stripe: Global payments infrastructure with expanding presence in Africa (via Paystack). Comparable as a developer-first payment API with strong SMB/commerce stack integrations (Shopify, WooCommerce, WordPress).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/intasendhq
• GitHubgithub.com/intasend
• LinkedInlinkedin.com/company/intasend

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IntaSend