Lipa any bank, any Till — from your bank app.
No new app. No withdrawing to a wallet. Pay the same Paybills and Tills you already know — straight from your bank account, for noticeably less than you pay today.
Pesa Yako. Uhuru Wako. Ada ndogo, haraka zaidi.
Pilot partners — anchored by KCB
Itaniokolea pesa ngapi?
Pay less. Wait less.
Lipafo isn't free — but it is meaningfully cheaper and faster than today's wallet hops, cash-outs and inter-bank transfers. Real savings on every transaction, every day.
*Indicative comparisons against common Kenyan tariffs as of 2025. Final pricing is set by your bank — Lipafo is designed to be materially less expensive than today's wallet-based alternatives, not free.
The everyday friction
Your money should not have to take a long walk.
Kenyans love their banks. Kenyans love Lipa Na. Lipafo simply puts the two together — so your money goes from your account to the merchant's account, gently, and on the rails you already trust.
Money sleeping in two places
You move from your bank to a wallet, then to the merchant. Your money loses time, and a little of itself, on every hop.
Two apps for one shilling
Open the bank app to check balance. Open another app to pay the duka. Two apps, one customer, one tired Kenyan.
Float anxiety at the till
The customer has the money — just not in the right wallet. The merchant loses the sale. Nobody wins.
How Lipafo shows up for you
Quiet rail. Loud joy.
It's already in your bank app.
- Look for LipafoPay inside the app you already use
- Same Paybills, same Tills you already know
- No wallet to top up — and you pay less than you would today.
Siku Yako na Lipafo
A whole day. One app. Smaller fees.
Matatu fare to town
Tap, pay the sacco's Till from your bank app — no detour through a wallet, no extra cash-out fee.
Lunch at the kibanda
Mama Wanjiku's same Till — paid straight from your salary account, at a smaller fee than today.
Unga, sukari, mafuta
Pay the duka's Paybill from your bank app. Cheaper than the wallet route. The shopkeeper gets it in his bank.
Send mum KES 3,000
From your bank to her bank in seconds. No withdrawal, no agent, lower charges.
Sauti za Wakenya
Real Kenyans. Real savings.
"Mimi huuza mitumba Gikomba. Wateja wangu wa KCB sasa wananilipa moja kwa moja kutoka bank. Ada ni ndogo kuliko M-PESA, na pesa inaingia bank yangu papo hapo."
"Salary ikiingia, nalipa rent, stima na water yote kutoka app moja ya bank. Sihitaji kutoa kwa M-PESA tena, na ada ni kidogo sana. Mwisho wa mwezi ninaokoa pesa."
"From London to my mum's shop in Kisii — straight to her Family Bank account. No agent, no cash-out. She felt the money arrive while we were still on the phone."
Pilot voices, lightly edited for clarity.
A quiet flow you'll barely notice.
See the full flow →You open your bank app
Tap LipafoPay. The same screens you already trust.
Enter the Paybill or Till
Same numbers as Lipa Na — no new identifiers, no relearning.
Bank moves bank
Your bank debits you, the merchant's bank credits them. Settled by RTGS the next morning.
Stay close to the journey.
Notes from the Lipafo–KCB team as more banks join the rail.
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