For You
It's already in the bank app you trust.
LipafoPay is a tab inside your KCB, Equity, Co-op, Family or Absa app. Same Paybills. Same Tills. Money goes straight from your account.
Pain Points
What you're up against today.
- ×Topping up a wallet just to pay a duka
- ×Switching between two apps for one payment
- ×Money taking a long walk through middle accounts
- ×Wondering if it really got there
With Lipafo
A better way, today.
Already inside your app
Look for LipafoPay in your existing bank app — nothing new to download.
Same Paybills & Tills
The numbers you already know — Lipa Na muscle memory honoured.
Direct from your account
No float to top up. Your bank debits, the merchant's bank credits. Done.
Your bank, your security
Same PIN, same biometrics, same fraud team you already trust.
Frequently asked.
Do I download a Lipafo app?+
No. LipafoPay lives inside your existing bank's app — KCB, Equity, Co-op, Family or Absa during the pilot.
Is it the same as Lipa Na?+
The experience feels identical — same Paybills, same Tills, same confirmation. The difference is the money flows bank-to-bank, not through a wallet.
Is MPESA involved?+
No. Lipafo is an independent rail. Zero MPESA or Safaricom involvement.
What does it cost me?+
Your bank sets the price. Lipafo is designed to be meaningfully cheaper than today's wallet-based transfers and pay-bills — significant savings on most transactions, but not free.
Stay close to the journey.
Notes from the Lipafo–KCB team as more banks join the rail.
Quiet emails. Real updates. Unsubscribe anytime.