Kenya
Kenya’s payment landscape in 2026 is shaped by M-PESA, a leading mobile money platform. M-PESA accounts for the majority of transaction volume, reducing reliance on traditional credit and debit cards. For global merchants, integrating with mobile money platforms like M-PESA is key to reaching consumers and unlocking growth in Kenya.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
94%
Android users
6%
iOS users
4.4%
Credit & Debit Card ownership
721.2M
App downloads in 2025
20.2M
App revenue (USD) in 2025
Insights
Digital wallets
Kenya’s highly Android-dominant market limits Apple Pay's effectiveness for enabling online payments.
Cards
Credit & Debit cards have very low penetration in-market, with 0% of Codapay volumes coming from cards and 100% exclusive preference for M-PESA, indicating complete reliance on mobile money infrastructure.
Coda as your Merchant of Record
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