PesaLink
Kenya’s real-time interbank payment platform, running 24/7 between participating banks.
PesaLink is a real-time payment rail routed by KeyBS Pay. Kenya’s real-time interbank payment platform, running 24/7 between participating banks.
Payouts routed through PesaLink settle to beneficiary accounts in KE. Where PesaLink is available for the destination country, it is the default rail for eligible payouts.
Every PesaLink payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a PesaLink payout moves through KeyBS Pay
PesaLink settles in real-time on eligible KES destinations.
Popular PesaLink searches
Auto-generated from real query patterns across the KeyBS Pay hub.
Ask AI about the PesaLink rail
Tap any question to open a KeyBS AI conversation prefilled with your query.
Countries reachable via PesaLink
PesaLink by industry
PesaLink developer resources
Frequently asked questions
What is PesaLink?
Kenya’s real-time interbank payment platform, running 24/7 between participating banks.
How fast is PesaLink?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through PesaLink?
KE. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on PesaLink.
What currencies are supported on PesaLink?
KES is the primary settlement currency for PesaLink. Multi-currency corridors are supported where the rail permits.
What limits apply on PesaLink?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is PesaLink available 24/7?
Real-time rails (including PesaLink) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate PesaLink?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is PesaLink regulated?
Yes. KeyBS Pay routes PesaLink payouts only through partners licensed for the destination corridor.
Can I get a PesaLink settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a PesaLink payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for PesaLink?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use PesaLink for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on PesaLink?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does PesaLink support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use PesaLink most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of PesaLink on the KeyBS Pay platform.
Route your first PesaLink payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.