Remittance as a Service
Your customers send dollars. We deliver shillings in Kenya.
Collect USD in the US, convert it to KES at our live rate, and pay recipients on M-PESA or straight to their bank account, all through one partner.
Dollars in, shillings out, in three steps.
One partner for the collection, the conversion and the payout.
Send USD in the US
We give you US deposit details. Fund them by ACH, wire or FedNow, with your own reference on every collection.
Converted to KES
Your dollars are converted to shillings at our live USD/KES rate.
Paid to your recipients
To an M-PESA number or a Kenyan bank account, one at a time or in a batch. A signed webhook tells you when each payment settles, or that it failed and the money never left.
Built for money that moves into Kenya.
Money transfer operators
Adding a Kenya corridor, or moving an existing one to a single partner for collection and payout.
Platforms that pay people in Kenya
Tips, gig earnings, payroll and payouts to sellers, funded in dollars and received in shillings.
Our rate is on the page.
This is our live USD/KES rate, and it updates through the day. You do not need a sales call to see it.
1 US dollar converts to
KES129.85
Updated 12 Nov, 12:43 EAT
Fees depend on your volume and the rails you use, and come with a quote.
Ask for a quoteWhere the shillings land.
Pay a mobile wallet or a bank account. Two of the four rails never close.
| Rail | Pays to | Runs |
|---|---|---|
| M-PESA | A mobile number | Around the clock |
| PesaLink | A bank account and bank code | Around the clock |
| RTGS | A bank account and bank code | Banking days |
| EFT | A bank account and bank code | Bank batch sessions |
What to check in a payout partner.
A rate you can see
Our live USD/KES rate is on this page, not behind a sales call.
Your reference, end to end
Every collection carries your own reference, and you can read it back at any time.
Settled or failed, not just submitted
Each payment ends in a signed webhook. Failed means the money never left.
One partner for the whole flow
Collection, conversion and payout sit with one partner, so there is no hand-off between providers to reconcile.
A licensed banking partner
Banking services provided by our licensed banking partner, regulated by the Central Bank of Kenya.
Already hold USDT?
You can also fund in USDT on Tron and sell it for shillings.
We are applying and expect to be granted a licence. Kenyan law lets us keep operating while the application is decided.
Who holds the money.
OnLink is a financial technology company, not a bank. Banking services are provided by our licensed banking partner, which is licensed and regulated by the Central Bank of Kenya.
Read the guides before the call.
Each step has a guide with the requests, the responses and the webhooks.
What remittance teams ask us
How do we fund?
With US dollars. We give you US deposit details for each collection, and you fund them by ACH, wire or FedNow. Each collection carries your own reference.
Can we fund with USDT instead?
Yes, as an alternative to dollars. You can fund in USDT on Tron and sell it for shillings. We are applying and expect to be granted a licence. Kenyan law lets us keep operating while the application is decided.
What does it cost?
Pricing depends on your volume and the rails you pay out on. Talk to us and we will send a quote that sets out the fees and the rate.
Which payout rails can we use?
M-PESA to a mobile number, and PesaLink, RTGS or EFT to a Kenyan bank account. M-PESA and PesaLink run around the clock; RTGS follows banking days, and EFT follows the bank batch sessions.
How do we reconcile each payment?
Every collection carries your own reference and can be read back at any time. Every payout ends in a signed webhook saying it settled or failed, and a failed payout means the money never left.
Can we pay many recipients at once?
Yes. Send transfers one at a time, or many together as a batch.
Who holds the funds?
OnLink is a financial technology company, not a bank. Banking services are provided by our licensed banking partner, which is licensed and regulated by the Central Bank of Kenya.
Talk to us
Tell us about your corridor.
Share your volumes and the rails you need, and we will come back with a quote and the next steps.