Merchant Pay
Till and PayBill from your wallet
Learn more
Business
One Balance, Every Local Counter
The business side of AutoPayKe connects your balance, always under your control, to the tills, PayBill numbers and bank accounts merchants already run on, with a settlement trail you can hand to an accountant.
Four Steps, Fully On The Record
Your activity feed is filterable by sent and received, and every transaction carries its own live timeline, so you never have to ask support where the money is.
Merchant Pay
Pay A Till Or PayBill From Your Balance
Enter an M-Pesa-style Till or PayBill number and an amount, and the payment is settled from your own balance through our pan-African settlement partner, no pooled treasury account sits in the middle.
As with Send, there is no merchant-name verification on the rail, so the app asks you to confirm the number before it goes out. We'd rather add friction than let a typo become a stranger's payday.
Merchant Pay is live in Kenya today (Till and PayBill). More markets switch on as partner coverage is confirmed.
autopayke.com/track
Built for businesses too
Cooperatives
Pay farmers with proof, lot by lot
Learn more
Farmers
How farmers get paid, kilo by kilo
Learn moreautopayke.com/l
Pricing
One Honest, All-In Price
No rate card games: every cost, published live from the same source the app charges against. The exact total is always shown before you confirm.
No monthly or account fees
Receiving money into AutoPayKe is free
No charge appears after you confirm
Sending to another AutoPayKe user has no cash-out fee
Fees
One Cost, Shown Before You Confirm
How the all-in rate above breaks down. The live figure is always displayed in the app at send time, so the exact amount is never a surprise.
Every transfer carries the FX spread built into the exchange rate you see at send time. A transfer that leaves AutoPayKe (to someone not yet on the app, a Withdraw, or a Merchant Pay payment) also carries a disclosed cash-out fee, shown before you confirm. Direct AutoPayKe-to-AutoPayKe sends carry a small flat fee instead, to cover network costs.
AutoPayKe-to-AutoPayKe
FX spread plus a small flat network-cost fee, shown before you confirm.
Withdraw & Merchant Pay
FX spread plus a disclosed cash-out fee, shown before you confirm.
M-Pesa top-up
Shown in the app before you approve the prompt.
Crypto deposit
Free: it's your own address.
For comparison: traditional bank and remittance transfers typically take one to three business days and cost $5–$15 or more.
Your phone number is all you need
Create your account with your phone number. You're sending in minutes.