How fast is the M-Pesa to card flow?

Wallet top-ups reflect quickly, conversion is applied at confirmation, and card funding from the wallet is immediate — the full flow is designed to complete within minutes.

Do the cards work for international supplier payments from Kenya?

Yes, anywhere Visa or Mastercard is accepted online — including major sourcing platforms. For large invoice payments, KeyBS Pay’s transfer corridors and escrow are also available alongside cards.

Can Kenyan agencies issue separate cards per client?

Yes — one card per client or ad account is a core workflow. Each card’s limit ring-fences that client’s budget, and per-card statements make client billing straightforward.

Virtual Cards

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Virtual Cards · Kenya

From M-Pesa to a Global Business Card

Top up with M-Pesa or a shilling bank transfer, convert at a quoted rate, and issue USD virtual cards for suppliers, ads and the software your business runs on.

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Fund with M-Pesa
KES → USD at top-up
Freeze anytime

Kenya runs on mobile money — but international checkouts don’t. The gap between an M-Pesa balance and a USD card payment is where Kenyan agencies, importers and startups lose time: bank dollar cards involve paperwork and branch visits, and shilling cards face unpredictable acceptance on international billing.

KeyBS Pay closes that gap directly. Fund your wallet from M-Pesa or via Pesalink bank transfer, see the KES→USD rate before you commit, and create virtual Visa or Mastercard cards scoped to each job — a supplier order, an ad account, a stack of subscriptions.

Fund your card in Kenya

Local currency: Kenyan shilling (KES) — conversion is quoted on screen before every top-up.

M-Pesa

Top up your wallet straight from M-Pesa — the fastest route from Kenya’s default payment rail to a global card.

KES Bank Transfer

Fund from any Kenyan bank account via Pesalink or standard transfer, with conversion quoted upfront.

USDT / USDC

Stablecoin top-ups for businesses that already hold or settle in digital dollars.

USD Wallet Balances

Exporters and remote-service businesses can fund cards from USD they receive, at face value.

How businesses in Kenya use their cards

China Sourcing Payments

Dedicated cards for marketplace orders and supplier deposits along the Kenya–China corridor.

Agency Ad Billing

Nairobi’s agencies run client ad accounts on per-client USD cards with hard caps.

Startup SaaS Stacks

Cloud, dev tools and productivity software billed in USD on per-tool capped cards.

Common questions

Yes — M-Pesa top-ups into your KeyBS Pay wallet are supported, followed by KES→USD conversion at a rate shown before you confirm. The converted balance funds any of your virtual cards.

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Ready to create your first card?

Verify your business online, fund your wallet, and issue virtual Visa & Mastercard cards in seconds.