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RukaPay is a powerful, secure, and user-friendly payment gateway designed to make sending and receiving money effortless. Whether you're a business owner, a service provider, or an everyday user, RukaPay provides the tools you need to manage transactions with confidence, speed, and reliability.

Multiple Payment Methods
With RukaPay, you can accept and send payments using multiple channels:

MTN Mobile Money

Airtel Money

RukaPay Wallet

Linked Bank Accounts

Support for these widely used methods ensures that you’re always connected, whether your customers are local or across borders.

Tap-to-Pay with QR Code
Say goodbye to complicated payment flows. RukaPay supports Tap-to-Pay using dynamic QR codes — a fast, cashless, and secure way to pay. Simply scan the code or let your customer scan yours to complete a transaction instantly. It’s ideal for retail shops, delivery services, and in-person payments.

Built for Users and Businesses
RukaPay is more than just a payment app — it's a full-featured financial tool designed to scale with your needs:

For individuals: Send and receive money, check balances, and monitor transactions in real time.

For businesses: Integrate RukaPay with your POS, website, or mobile app and start receiving payments with low fees and instant settlement.

Fast & Seamless Experience
Our platform is optimized for speed and reliability. With real-time transaction updates and automatic syncing across devices, you’re always in control of your finances.

Security You Can Trust
Security is at the heart of RukaPay. We use modern encryption, tokenized transactions, and secure API keys to protect your data and payments. Whether you’re using our mobile app or integrating with our backend, your information is safe.

Insightful Dashboard & History
Easily track and manage all your transactions. Filter by date, amount, or payment method and generate reports to help you stay on top of your cash flow.

Developer-Friendly API Integration
For businesses and developers, RukaPay offers robust APIs for seamless integration. Our documentation provides everything you need to build custom checkout flows, automate transactions, and scale your payment systems.

Future-Ready Infrastructure
RukaPay is constantly evolving. We’re building features that support international payments, digital invoicing, and more — all designed to future-proof your financial operations.

RukaPay is a powerful, secure, and user-friendly payment gateway designed to make sending and receiving money effortless. Whether you're a business owner, a service provider, or an everyday user, RukaPay provides the tools you need to manage transactions with confidence, speed, and reliability.

Multiple Payment Methods
With RukaPay, you can accept and send payments using multiple channels:

MTN Mobile Money

Airtel Money

RukaPay Wallet

Linked Bank Accounts

Support for these widely used methods ensures that you’re always connected, whether your customers are local or across borders.

Tap-to-Pay with QR Code
Say goodbye to complicated payment flows. RukaPay supports Tap-to-Pay using dynamic QR codes — a fast, cashless, and secure way to pay. Simply scan the code or let your customer scan yours to complete a transaction instantly. It’s ideal for retail shops, delivery services, and in-person payments.

Built for Users and Businesses
RukaPay is more than just a payment app — it's a full-featured financial tool designed to scale with your needs:

For individuals: Send and receive money, check balances, and monitor transactions in real time.

For businesses: Integrate RukaPay with your POS, website, or mobile app and start receiving payments with low fees and instant settlement.

Fast & Seamless Experience
Our platform is optimized for speed and reliability. With real-time transaction updates and automatic syncing across devices, you’re always in control of your finances.

Security You Can Trust
Security is at the heart of RukaPay. We use modern encryption, tokenized transactions, and secure API keys to protect your data and payments. Whether you’re using our mobile app or integrating with our backend, your information is safe.

Insightful Dashboard & History
Easily track and manage all your transactions. Filter by date, amount, or payment method and generate reports to help you stay on top of your cash flow.

Developer-Friendly API Integration
For businesses and developers, RukaPay offers robust APIs for seamless integration. Our documentation provides everything you need to build custom checkout flows, automate transactions, and scale your payment systems.

Future-Ready Infrastructure
RukaPay is constantly evolving. We’re building features that support international payments, digital invoicing, and more — all designed to future-proof your financial operations.