M-Pesa Daraja alternatives

We compared M-Pesa Daraja 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

Kopo Kopo is the cheapest M-Pesa Daraja alternative for an M-Pesa payment of KES 5,000 in Kenya: a KES 27.50 fee, the same as M-Pesa Daraja (checked 25 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.

M-Pesa Daraja 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.

Fee on an M-Pesa payment of KES 5,000 in Kenya, cheapest first. Gateway names stay in view while you scroll sideways.
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 Comparing from KES 27.50 Best 1 min 25 Oct 2026 M-PESA Business Hub FAQs
3. Cellulant 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.

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 M-Pesa Daraja alternative for an M-Pesa payment of KES 5,000 in Kenya?

Kopo Kopo. It charges KES 27.50, the same as M-Pesa Daraja (checked 25 Oct 2026).

Are these M-Pesa Daraja 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.