Get paid in stablecoins. Spend in local currency.

M-Pesa payouts land in about 10 seconds once the deposit settles. Bank and mobile money payouts complete in 5-30 minutes. Settlement starts immediately for USDC paid on Base, takes a few minutes from another chain, and USDT converts to spendable USDC in 30-50 seconds.

USDC from 19 EVM chains and USDT from 15, including Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, BNB Chain, Linea, Scroll, and Unichain. Your customer pays from wherever their funds already sit, and you receive one settled total in local currency.

Overpayments are credited as a balance and applied to the next invoice or refunded on request. Wrong-asset transactions are auto-detected and refunded to the sender minus network fees.

Every checkout carries a reference that you supply. Webhooks fire with the same reference, and CSV exports include it as a column. One ledger line per payment, no spreadsheet gymnastics.

Three groups of documents: incorporation papers (certificate of incorporation or equivalent registration, articles of association, tax ID), founder and director details with government photo ID, and proof of address for both the business and the director dated within the last 3 months. You get an acknowledgement within one business day, and most reviews finish within 2 business days.

Stablecoin payments are final once confirmed onchain, so there is no chargeback. You can issue refunds manually from the dashboard or via API. Disputes are rare and handled case-by-case.

Yes. The wallet API creates an address per user that accepts USDC and USDT from any major chain, with balances, transaction history, cross-chain sends, and cash-out to M-Pesa or bank. Your brand on the surface, Minisend rails underneath.

Run the real flow with a minimal amount. Create a checkout session, open it, pay from a wallet, confirm the webhook arrives, then check the dashboard and the payout. Keys carry the ms_live_ prefix, and the recommendation is a separate key per environment so you can rotate one without touching the others.

Yes. CSV exports by date range or reference, with both crypto and local-currency values plus FX rates at settlement time. Drop straight into QuickBooks, Xero, or a spreadsheet.