Join the waitlist

Send money like you send a text.

One wallet to send to anyone, pay any till, save for what's next and move money to your bank. Every shilling confirmed in seconds.

Join the waitlist See business tools

Works with M-Pesa, Airtel Money, PesaLink and every Kenyan bank.

CloudPayMessages

Everything your money does, in one wallet.

No juggling apps or SIM cards. Open CloudPay, pick what you want to do, done.

  • Send

    to any CloudPay wallet, M-Pesa or Airtel number, instantly.

  • Pay

    any till, paybill or school fees account, by number or QR code.

  • Bank

    money to any Kenyan bank account through PesaLink.

  • Save

    in goal pockets, or lock money away until a date you choose.

  • Top up

    airtime on any network, and pay for power, water and TV.

  • Repeat

    payments for rent, chama and school fees on the day you choose.

Run your chama in CloudPay.

Pool contributions toward a shared goal, rotate payouts, and see who has paid. Every member sees every shilling.

See where your money goes.

CloudPay turns your own activity into a clear picture: what changed this week, where each shilling went, and the days you spend most.

Every week, CloudPay tells you what's different: spending spikes, bills coming up, and how close you are to your goals.

3 to 9 NovemberUpdated today
  • Transport is upMore late-night rides than usual
    +38%
  • Eating out is downKES 1,200 kept compared to last week
    −22%
  • Power tokens due on the 12thUsually around KES 1,500
    3 days
  • Holiday savingsKES 18,400 of 30,000
    61%

Follow October from salary and side income through rent, bills and spending, down to what you kept.

OctoberKES 82,000 in
Rent KES 28,000 Bills KES 12,000 Spending KES 22,000 Family KES 6,000 Kept KES 14,000

Friday and Saturday take most of your money. Knowing your heavy days makes payday last to the end of the month.

Average spend by dayLast 4 weeks
Mon
Tue
Wed
Thu
Fri
Sat
Sun

Collect, pay out and settle without spreadsheets.

From a single kiosk to a hundred branches.

Pay hundreds of people at once.

Upload a spreadsheet or call the API to pay salaries, suppliers, commissions and refunds to wallets, mobile money and bank accounts in a single batch.

  • Wallets, M-Pesa, Airtel and banks in the same file
  • See every fee before you approve
  • A second person approves before money moves
  • A receipt for every person, and one-click retry for any that fail
October payrollpayroll_oct.csv, 248 people
Achieng OtienoCloudPay wallet
KES 42,000
Ready
Brian KipropM-Pesa 0722 908 115
KES 38,500
Ready
Fatuma AliEquity, account ending 2210
KES 55,000
Ready
Daniel MwangiAirtel 0733 115 402
KES 29,750
Ready
Total for 248 peopleKES 9,412,300

Tills for every branch

A till per shop, vehicle or cashier, all rolling up to one main account.

Automatic settlement

Move the day's takings to your bank every evening, or as often as you like.

Payment links and prompts

Send a link, or push a payment prompt straight to your customer's phone.

Statements

Reports by branch, downloadable as PDF or Excel.

Build on CloudPay.

Embed wallets in your own product, or send payouts and batches from your backend. Every request carries an idempotency key, so a retry never pays anyone twice.

POST /v1/payouts/batch
Idempotency-Key: payroll-2026-10

{ "source": "main_account",
  "items": [
    { "to": "mpesa:0722908115", "amount": 38500 },
    { "to": "bank:equity:2210",  "amount": 55000 }
  ] }

Economic infrastructure for Africa's AI economy.

AI is starting to spend and earn. Agents buy things, models charge per use, and thousands of Africans label, train and evaluate them. We're building the rails so that money is earned, priced and paid out here, in shillings, on the networks people already use.

Agents that can pay

Wallets for AI agents, with spending rules set and controlled by a person.

Prices that meter

Charge per request, per token or per minute, and collect in KES by M-Pesa.

Pay the people behind AI

Same-day payouts to the data and evaluation workforce across Africa.

Let an agent spend, within your rules.

Give each agent its own wallet and a mandate. Anything outside it comes to your phone first, as a text you can answer from any handset.

  • Daily and per-payment limits
  • Only the tills and suppliers you allow
  • Approve or decline by replying 1 or 2
CloudPayShop restock agent
Your agent "Shop restock" can spend up to KES 5,000 a day at 3 approved suppliers.
Early access

Usage billing in shillings

Per-token and per-request pricing for African AI products, paid by M-Pesa prompt or from a prepaid wallet.

Example: 1,284,000 tokens this monthKES 642.00

Early access

Payouts for AI work

Pay labellers, annotators and evaluators per task, straight to M-Pesa, Airtel or bank, with a receipt for each.

Early access

A money toolkit for AI apps

An MCP server so AI apps can create payment links, check balances and send payouts through scoped keys you can revoke.

Planned

Pay for AI tools in KES

Builders shouldn't need a dollar card to pay for models and compute. Top up with M-Pesa and pay in shillings.

Africa's AI economy should run on rails built in Africa, priced in our currencies and fair to the people doing the work.

We're pushing for open standards for agent payments, local data residency and fair pay for AI work, and building with African AI teams from day one.

Become a design partner

Get verified in minutes.

Start with your phone number. Add your ID and a selfie when you need higher limits. No branch visit.

  1. Level 1

    Phone number

    Sign up with a one-time code and start sending small amounts straight away.

  2. Level 2

    ID and selfie

    We check your ID number with the national registry and take a quick selfie to confirm it's you. Higher limits.

  3. Level 3

    Business

    Add your KRA PIN and registration documents to open tills, bulk payments and API access.

  4. Any level

    At an agent

    No smartphone? Any CloudPay agent can verify you in person.

ID photos and selfies are encrypted and stored in Kenya.

Cash in and out, around the corner.

CloudPay agents turn cash into digital money and back, and earn commission doing it.

Your withdrawal code, valid for 5 minutes
482 917

Show this to the agent. You never share your PIN.

Every shilling accounted for.

  • Balanced booksEvery movement is recorded twice, never edited, and checked every night.
  • Tied to your phoneYour PIN works on your device only, with extra checks for large or unusual payments.
  • Your data stays in KenyaPersonal data is encrypted and stored under Kenya's data protection rules.
  • Money held in trustCustomer balances are backed by funds held in trust at partner banks.

Questions people ask.

Do I need a smartphone?

No. Use the CloudPay app or dial the USSD code from any phone. Any CloudPay agent can help you register and get verified.

Can I send money to M-Pesa and banks?

Yes. Send to CloudPay wallets, M-Pesa and Airtel numbers, and any Kenyan bank account through PesaLink.

How do bulk payments work?

Upload a spreadsheet or use the API, check the fees, and have a second person approve. Everyone is paid and you get a receipt for each person.

What is CloudPay for AI?

The payment layer for AI built in Africa: wallets with spending rules for AI agents, usage billing in shillings, and fast payouts for people doing AI work. We're starting with a small group of design partners.

Is my money safe?

Customer balances are backed by funds held in trust at partner banks, and every movement is recorded in balanced books that are checked every night.

Be first to get CloudPay.

Leave your number and we'll text you when your wallet is ready.