Pesapal in one sentence
A hosted checkout you embed in any website. The customer clicks pay, an M-Pesa STK push fires, the money lands in your Pesapal float, and Pesapal settles to your bank account in 24 to 48 hours.
Plus a 2–3.5% transaction fee.
Angazé vs Pesapal
Pesapal is a checkout. Angazé is the whole shop.
They solve different problems. Pesapal gives you a payment page to drop into a site you already run. Angazé gives you the whole shop: WhatsApp ordering, M-Pesa checkout, inventory, deliveries, and a daily revenue summary. Pick Pesapal if you only need the payment. Pick Angazé if you need everything around the payment too.
| Feature | Angazé | Pesapal | IntaSend |
|---|---|---|---|
WhatsApp ordering, native In Kenya most orders happen on WhatsApp. Either the platform handles that, or you do it manually and miss orders. | |||
M-Pesa STK push at checkout Native Daraja integration. The phone buzzes; the customer types their PIN; the money lands in your Paybill. | |||
Funds straight to your M-Pesa account If the platform holds your money before passing it on, you have a counterparty risk and a delay. | |||
Inventory + stock auto-hide When an item runs out, it disappears from the menu so you stop selling things you cannot ship. | |||
Delivery zones + rider hand-off Set zones, set fees, one tap to WhatsApp the rider the address. Critical for Nairobi commerce. | |||
Monthly cost (entry) What you actually pay each month before transactions. | Free to start Small flat monthly fee as you grow. No transaction fees. | Free Transaction fees only. | Free Transaction fees only. |
Transaction fee on the platform What gets taken out of each paid order on top of the rail's own fee. | 0% No platform fee. Rails (M-Pesa, Paystack, etc.) charge their own published rates direct to the merchant. | 2-3.5% | 1.5-3% |
Built for Kenya / mobile-money-first markets The team that built it lives here and runs commerce here. Not a flag retrofitted onto a global product. | |||
We help you onboard, free During the closed beta, an actual human walks you through Daraja, your shop, your team, and your first order. | Support tickets | Docs only | |
Own your data + portable Export products, orders, customers any time. No lock-in. | Partial |
What's the actual difference?
A payment vs. a system.
Angazé in one sentence
The whole operation. WhatsApp ordering, inventory, M-Pesa checkout (direct to your Paybill, no aggregator), delivery zones, reports, customer history. The Daraja integration is one feature among many.
Free until your first sale, then a flat KES 1,500 a month. No transaction fees, no cut of your sales.
Three real questions to ask yourself
1. Where do your customers actually order?
If it is WhatsApp, you need ordering inside WhatsApp. Pesapal only handles the payment after the order is taken. Angazé handles both.
2. Do you need money to land in your account, or in theirs first?
Pesapal holds funds in their float and settles to you on a delay. Angazé uses Daraja directly. Money lands in your Paybill or Till within seconds. We never custody your money.
3. Are you trying to run a business, or just take payments?
If you have a website that already does ordering, inventory, and deliveries, and you just need a checkout, Pesapal is fine. If you do not, you do not need a checkout. You need a system.
When Pesapal is the right answer
- You already run a website that handles everything else.
- You need card payments alongside M-Pesa.
- You want the cheapest possible payment-only option and you have a developer to integrate it.
For everything else, Angazé will save you weeks of work and a stack of plug-ins. If you want a second opinion, book a 20-min call.
Next step
Sell anywhere you talk to customers. Paid on M-Pesa. Live today.
One shop. Any rail your customer prefers. Free until your first sale, then KES 1,500 a month. One M-Pesa sale usually covers it.