Paynecta lets a business collect payments from its customers and have the money settle straight into its own bank account, paybill or till. Today that means M-Pesa, in Kenya. Nothing in the way Paynecta is built ties it to one provider or one country: a payment method is a destination and a provider behind it, so adding another is adding a row rather than a second way payments work. What you collect settles to you. It does not sit in a Paynecta balance waiting to be withdrawn. That is why setting up takes a few steps rather than one: we have to know who the business is and where the money goes before anything can be collected.

Set up your account

Four steps from signing up to taking your first payment.

Your payment page

The page customers open, and what they see on it.

Credit and fees

What collecting costs, and how you pay for it.

How a payment works

What happens between pressing pay and money arriving.

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What you will do

1

Create a Paynecta login

One login, for you. It can own several businesses, so you never sign up twice.
2

Add your business

The name customers will recognise, the type of business it is, and who is behind it.
3

Get verified

Identity documents for the people who own or direct the business. A reviewer looks at them, usually within one business day.
4

Say where money lands, and buy credit

A bank account, a paybill or a till. Then top up, because our fee comes out of a balance you hold.

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What it costs

1% a payment

Of each payment you collect, unless we have agreed otherwise with you.

Only on success

A cancelled prompt or one nobody answers carries no percentage fee.

From your credit

Taken from a balance you top up, not deducted from the payment.

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What Paynecta is not

Money you collect goes to the destination you nominate rather than sitting with us waiting to be withdrawn.You do hold a credit balance with us, but it is not your takings: it is what our fee is charged against. See Credit and fees.
A person has one Paynecta login. Businesses are things that login can own or be a member of. If a colleague adds you to their company, you sign in with the account you already have.
An unverified account cannot take a payment at all. This is not a limit we raise later; it is the condition for collecting.
Not by you, not by our API. The customer types their number on the payment page and proves it with a code. See Keeping payments honest.

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Getting help

Email support@paynecta.co.ke. If you are writing about a specific business, include its name as it appears in Paynecta.