Simplifying payments for everyone, everywhere, every time.

Pesalink is an instant, open and interoperable payment network facilitating seamless transfers of up to Ksh. 999,999 to any Kenyan bank account holder, anywhere, at any time, across the +80 participants integrated on its network who include banks, telcos, fintechs and SACCOs. It is a simple, instant and affordable transfer service that is widely accessible on all major banking channels – including internet banking, mobile apps, and bank USSD.

Pesalink is operated by Integrated Payment Services Limited (IPSL), a subsidiary of the Kenya Bankers Association (KBA). It was established in 2015 under the National Payment System (NPS) Act to simplify account-to-account transfers, promote financial inclusion and drive economic development.

Our Purpose

Our Purpose is to simplify life through instant, affordable payments for everyone, everywhere, every time.

Transactions every 24 hours.: 30,000+
Value Transacted.: Ksh. 1.13+ trillion
New users annually.: 191,000+

Jan 2016

Pesalink is conceptualized to provide a 24/7 365 days of real-time payment services for the banking industry in Kenya.

Nov 2016

Pesalink began processing of live transactions

Pesalink begins processing of transactions, providing a long-awaited environment for real-time transfer of funds for customers at various participating banks, enabling immediate value, with same-day settlement capabilities for banks.

Aug 2020

Pesalink Transformation and Modernization

The target was to migrate Pesalink to ISO 20022 standard, which enables richer, better structured and more granular data end-to-end to be carried in payments messages.

Oct 2021

Pesalink went live on ISO 20022

To facilitate a data driven and support new use cases such as RTP (Request To Pay), Payment Initiation and Direct Debits.

Our Vision

Our vision is to be Kenya's de facto interoperable payment network that powers economic growth and prosperity for everyone.

What we do

We Provide Safe and Secure Solutions

We provide the infrastructure for financial institutions to offer affordable and accessible instant payments.

80+

Participants on Pesalink

Including Banks, SACCOs, Telcos, MFIs and Fintechs.

Ksh. 1 trillion+

We’re proud that our customers have transacted over Ksh. 1 trillion in total.

Pesalink has served 3M users who did A2A payments 24 hours a day, 7 days a week, including weekends and public holidays which transacted to Ksh. 1 trillion + - In transaction value – As of December 2024.

3 million+

Users on the platform

We support a wide range of payment use cases, including peer-to-peer transfers, bulk transfers, rent payments, corporate disbursements, and supplier payments.