Overview

Supported Rails, Currencies & Limitations

Lipafy is purposefully engineered for African payment rails, beginning with comprehensive production coverage in Kenya.

🌍 Supported Territories & Currencies

CountryCodePrimary CurrencySupported Telecom / Banking RailsStatus
KenyaKEKES (Kenya Shilling)Safaricom M-Pesa (B2B, B2C, STK), Airtel Money, PesaLink, EFTProduction
UgandaUGUGXMTN Mobile Money, Airtel MoneyPrivate Beta
TanzaniaTZTZSM-Pesa, Tigo Pesa, Airtel MoneyPrivate Beta
RwandaRWRWFMTN MoMo, Airtel MoneyPrivate Beta

💳 Transaction Velocity & Rail Limits (Kenya KES)

Payment RailMin AmountMax Per TransactionMax Daily VelocitySettlement Window
M-Pesa PayBillKES 10KES 250,000KES 500,000Instant (< 3s)
M-Pesa Buy Goods TillKES 10KES 250,000KES 500,000Instant (< 3s)
M-Pesa B2C Mobile MoneyKES 10KES 250,000KES 500,000Instant (< 3s)
PesaLink Bank TransferKES 10KES 999,999KES 3,000,000Real-Time 24/7
Lipafy @tag TransferKES 1KES 1,000,000UnlimitedAtomic / Immediate

🚫 Unsupported Operations

  • Cryptocurrency / Tokens: Lipafy exclusively routes sovereign fiat currencies (KES) through compliant local telecom and central-bank licensed clearing houses.
  • Physical Cash Withdrawals: Agents cannot initiate cardless agent code cash withdrawals without interactive telecom biometric confirmation.
  • Cross-Border FX Speculation: Payouts must settle in the designated local rail currency.