- Short answer
- No Shopify Payments in Kenya as of October 2026: use a third-party app such as Paystack or IntaSend (its listing names M-Pesa), plus Shopify's fee.
- M-Pesa
- Named in IntaSend's listing and on Paystack's and Flutterwave's rate pages
- Shopify's fee on top
- 2% Basic · 1% Grow · 0.6% Advanced · 0.2% Plus
- Your Shopify bill
- Issued in USD: Kenya isn't on Shopify's local-currency billing list
Is Shopify Payments available in Kenya?
No. As of October 30, 2026, Kenya isn't among the 41 countries and regions on the Shopify Payments list (our count), and Shopify says an unlisted country needs a third-party payment provider.
Without Shopify Payments, you also lose Shop Pay, which Shopify includes as part of Shopify Payments, and selling in multiple currencies, which its multi-currency page ties to Shopify Payments.
Which providers name Kenya, and which take M-Pesa?
The Shopify help pages we read on October 30, 2026 name no provider for Kenya and don't describe M-Pesa. Instead, Shopify points you to its payment gateways page, which you can filter by country or region; if a provider is missing from your admin, Shopify says to check that your store address matches the country or region where the provider operates.
Four payments apps, by their own pages
| Provider | Kenya and M-Pesa | Published rates |
|---|---|---|
| Paystack | Listing names Kenya; M-Pesa only on its rate page | Kenya: 2.9% local cards, 1.5% M-PESA, 3.8% international |
| IntaSend | Listing names M-Pesa and cards, not Kenya | "Average of 3%" across methods |
| Pesapal | Listing names card and mobile money, not Kenya or M-Pesa; blog adds M-Pesa | Not in its listing |
| Flutterwave | Listing names neither; its rate page lists M-Pesa among payment options | Kenya: 3.2% local cards, 2.9% mobile money, 4.8% international, excluding VAT |
Read October 30, 2026: App Store listings and the Paystack, IntaSend and Flutterwave rate pages, none of which says the rates apply through Shopify. Only the Flutterwave row says whether VAT is included.
Pesapal's blog says M-Pesa connects through Pesapal. Among the App Store addresses we checked that day, none is an official Safaricom M-Pesa app. Paystack also names South Africa, covered in our South Africa answer.
What you pay per order: provider rate plus Shopify fee
Each online payment through a third-party provider carries two charges: the provider's rate plus Shopify's third-party transaction fee of 2% on Basic, 1% on Grow, 0.6% on Advanced or 0.2% on Plus (how it's built). Your Shopify bill itself comes in USD, since Kenya isn't on the local-currency billing list.
Check the provider's Kenyan rate on its own page the day you connect it, and add your plan's fee.
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