Electronic Retail Payment Service Provider — Kenya
The Kenya category mapped to payment processing.
Regulator: Central Bank of Kenya.
Electronic retail transfer services without e-money issuance (core capital KES 5M). The KE contrast category to the e-money authorizations.
Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-24 · unchanged since the previous check.
Not yet ingested: The CBK PSP Directory (2026-05-15) was read in full; it prints no statutory category labels, and 30 of its 42 entries carry retail-payment/processing/platform authorized-services wordings that have not been classified into this category - counted, not ingested (parse-what's-published).
Licence requirements
What it takes to hold this licence, as stated in the cited official instruments. Capital and fees are shown in the currency the statute itself uses.
| Requirement | As published | Source | Source date |
|---|---|---|---|
| Minimum capital | KES 5,000,000 (core capital) Verbatim“5,000,000.00” | National Payment System Regulations, 2014 (Legal Notice 109 of 2014) | 2022-12-31 |
| Local presence / incorporation | A value has been located but not yet verified, so we don't publish it here. | — | — |
| Timeline | Info request "within thirty days" (Reg 5(3)); certificate "within seven days of receipt of authorisation fees" (Reg 5(6)); no explicit validity-term sentence. Verbatim“within thirty days … within seven days of receipt of authorisation fees” | National Payment System Regulations, 2014 (Legal Notice 109 of 2014) | 2022-12-31 |
| Local ownership | No such requirement: No local-shareholding percentage requirement. | National Payment System Regulations, 2014 (Legal Notice 109 of 2014) | 2022-12-31 |
| Fees | Application KES 5,000; Authorisation KES 100,000 Verbatim“5,000 … 100,000” | National Payment System Regulations, 2014 (Legal Notice 109 of 2014) | 2022-12-31 |
| Ongoing obligations | Monthly reporting (Reg 29 — "within ten days of the end of every calendar month submit to the Bank"); AML/CFT (Reg 60); core capital held "at all times" (Reg 11); renewal ≥2 months before expiry (Reg 9). (Trust-Fund safeguarding under Reg 25 applies where the provider holds customer funds.) Verbatim“within ten days of the end of every calendar month submit to the Bank … at all times” | National Payment System Regulations, 2014 (Legal Notice 109 of 2014) | 2022-12-31 |
Requirements as published in the cited instruments — not legal or compliance advice. Where a value is located but not yet verified, we show that it exists but don't publish the figure. Verify directly with the regulator.
The equivalent in other markets
Categories mapped to the same normalized activity —
fintech:PAYMENT_PROCESSING:
- → Payment Solution Service Provider (PSSP) Authorisation (Nigeria)
- → Switching & Processing Licence Category (Nigeria)
- → Payment Service Provider (Enhanced) (Ghana)
- → Payment Service Provider (Medium) (Ghana)
- → Payment Service Provider (Standard) (Ghana)
- → Third Party Payment Provider (South Africa)
- → System Operator (South Africa)
- → Payment Service Provider (Tanzania)
- → Payment Service Provider (Uganda)
- → Payment Aggregation Service Provider (Zambia)
- → Aggregator (Rwanda)
- → Établissement de paiement (Benin)
- → Établissement de paiement (Burkina Faso)
- → Établissement de paiement (Côte d'Ivoire)
- → Établissement de paiement (Guinea-Bissau)
- → Établissement de paiement (Mali)
- → Établissement de paiement (Niger)
- → Établissement de paiement (Senegal)
- → Établissement de paiement (Togo)
- → Payment System Operator (POS & Payment Gateway Operator) (Ethiopia)
- → Établissement de paiement (Cameroon)
- → Établissement de paiement (Central African Republic)
- → Établissement de paiement (Congo-Brazzaville)
- → Établissement de paiement (Gabon)
- → Établissement de paiement (Equatorial Guinea)
- → Établissement de paiement (Chad)
- → Établissement de paiement offrant des produits et services de paiement (Morocco)
- → Electronic payment processing (EFT / payment gateway) (Zimbabwe)
- → Agrégateur (prestataire de services connexes de paiement) (DR Congo)
- → Agregador de pagamento (Mozambique)
- → Sociedade Prestadora de Serviços de Pagamentos (Angola)
- → Payment Service Provider (Mauritius)
- → Third-party payment service provider (Namibia)
- → Payment facilitator service provider (Namibia)
- → Account Based Payment Services (Botswana)
- → Payment Service Provider (Other PSP) (Malawi)
- → Établissement de paiement (Tunisia)
- → Établissement agrégateur de paiement (fournisseur de plateforme de paiement) (Burundi)
- → Payment service provider (The Gambia)
- → Payment service provider (Seychelles)
- → Instituição de pagamento (Cabo Verde)
- → Payment service provider (Sierra Leone)