Cellulant alternatives
We compared Cellulant with 4 other payment gateways on what one payment costs, in Kenya. Every number says where it came from and when it was checked.
Our read · M-Pesa payment of KES 5,000, Kenya
Cheapest alternative for an M-Pesa payment of KES 5,000: Kopo Kopo and M-Pesa Daraja
Kopo Kopo and M-Pesa Daraja are the joint cheapest Cellulant alternatives for an M-Pesa payment of KES 5,000 in Kenya: a KES 27.50 fee each, KES 47.50 less than Cellulant (checked 24 Oct 2026).
Fee is one part of the cost. Settlement time, limits and licences are shown beside it, and none of them reorders the list.
Thimania is free to use. Rankings follow the fees we checked, never who pays us. Any link to a provider is on its profile, where we say whether we earn from it.
Cellulant alternatives in Kenya for an M-Pesa payment of KES 5,000
5 gateways with a verified fee for it, cheapest first. All payment gateways in Kenya.
| Gateway | Fee on KES 5,000 lower is better | Settlement time | Checked |
|---|---|---|---|
| 1. Kopo Kopo | KES 27.50 Best | 1 min | 25 Oct 2026 Help centre: charges on payments |
| 1. M-Pesa Daraja | KES 27.50 Best | 1 min | 25 Oct 2026 M-PESA Business Hub FAQs |
| 3. Cellulant Comparing from | KES 75 | Not yet verified | 24 Oct 2026 Tingg help centre: pricing rates for card, bank and mobile money |
| 3. Paystack | KES 75 | 2 days | 22 Oct 2026 Provider fee page |
| 5. IntaSend | KES 150 | 1 min | 22 Oct 2026 Provider fee page |
Not ranked for this payment, because we have no verified fee for it: DPO Pay, Pesapal.
Cellulant alternatives in Kenya for a card payment of KES 5,000
3 gateways with a verified fee for it, cheapest first. All payment gateways in Kenya.
| Gateway | Fee on KES 5,000 lower is better | Settlement time | Checked |
|---|---|---|---|
| 1. Paystack | KES 145 Best | 2 days | 22 Oct 2026 Provider fee page |
| 2. Cellulant Comparing from | KES 160 | Not yet verified | 24 Oct 2026 Tingg help centre: pricing rates for card, bank and mobile money |
| 3. IntaSend | KES 175 | Not yet verified | 22 Oct 2026 Provider fee page |
Not ranked for this payment, because we have no verified fee for it: DPO Pay, Kopo Kopo, M-Pesa Daraja, Pesapal.
How we compared them
A fair comparison needs the same payment, so each gateway is priced for exactly the kind of payment and amount in the heading, from the rate it publishes for it. The fee is calculated from that rate, including any fixed fee, minimum or cap. It leaves out VAT and other taxes, setup and monthly fees, payout charges and rates negotiated for large merchants, so check those before you sign up.
Questions people ask
What is the cheapest Cellulant alternative for an M-Pesa payment of KES 5,000 in Kenya?
Kopo Kopo and M-Pesa Daraja. Each charges KES 27.50, against KES 75 at Cellulant (checked 24 Oct 2026).
What is the cheapest Cellulant alternative for a card payment of KES 5,000 in Kenya?
Paystack. It charges KES 145, against KES 160 at Cellulant (checked 22 Oct 2026).
Are these Cellulant alternatives licensed?
2 of 4 are shown as authorised or registered by their regulator. Each profile lists the regulator and licence status so you can check it yourself.