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  3. How to Pay in Kenya

How to Pay in Kenya

Check whether you are exempt from Kenya's eTA and obtain approval before travel when required. On arrival, dependable data, WhatsApp, Google Maps, Uber and Bolt cover the most common urban needs. A passport-registered Safaricom SIM can also unlock M-PESA, which is unusually valuable for small merchants, transport and local services, but keep a working card and Kenyan shillings until registration and funding have been tested. My-OneApp is the current Safaricom app; the older M-PESA app name is stale, and *334# or the SIM Toolkit remains an important fallback. Ride-app coverage and driver supply fall sharply outside supported cities, so arrange safari and remote transfers with a verified operator. Check current regional advice, protests, weather and road conditions, and favor daylight for long road journeys. Use only official eTA, Kenya Railways and park-payment sites. Verify safari operators through the Tourism Regulatory Authority, keep the agreed itinerary and inclusions in writing, and independently confirm any changed payment request.

Payment & Finance Apps

My-OneApp app icon

My-OneAppEssential

Safaricom's current app for registered M-PESA payments, balances, airtime and data on a compatible local line.

Pro tip: Register the Safaricom SIM and M-PESA in your own name, then test a small payment. Keep *334# or the SIM Toolkit ready if the app will not load.

App StorePlay StoreWebsite↗
Tourist Tap app icon

Tourist Tap

A new Kenya-focused app that sends local merchant payments from Apple Pay or a contactless card on an NFC Android phone.

Pro tip: Treat it as an optional backup while adoption is new. Test a small payment, verify the recipient and keep a physical card, cash or M-PESA alternative.

App StorePlay Store

App details

My-OneApp in other countriesTourist Tap in other countries

These apps need data

Guac eSIM covers Kenya with plans from $1.50 per GB. Install it before you land and activate instantly.

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All apps in Kenya→Kenya Payments guide→Is Uber available in Kenya?→