Simple steps.
Real results.
From zero to accepting payments — Afrinet's onboarding is the fastest in Kenya. Here's exactly what happens at every step.
3 min
To register
48 hrs
KYC approval
Instant
Settlement
The journey
Your onboarding, step by step
Four steps from sign-up to your first live payment.
Create Your Account
Sign up with your business email and basic details in under 3 minutes. No credit card, no setup fees — just a working account from the moment you submit.
Start your free merchant account
Complete KYC Verification
Upload your business documents through our guided wizard. Everything is reviewed by our CBK-compliant compliance team — typically within 24–48 business hours.
Get Approved
Our compliance team checks your documents against CBK regulatory requirements. You'll receive email updates at every stage — no chasing, no guessing.
Go Live & Start Earning
Approval activates your dashboard instantly. Trigger your first M-Pesa STK push, disburse your first payroll — everything is ready from day one.
+KES 2,500
from John Kamau · just now
Under the hood
How payments actually flow
Every transaction runs through a secure, audited pipeline — in both directions.
Customer pays.
You get credited. Instantly.
When a customer initiates payment, Afrinet fires an STK push to their phone. They confirm with their M-Pesa PIN — and the funds land in your Afrinet Wallet before they've put their phone down.
Every shilling,
fully accounted for.
Your merchant dashboard is a live window into your business — revenue charts, transaction feeds, and automated end-of-day reconciliation so your finance team never chases a spreadsheet again.
Today's Revenue
KES 84,720
+12%Transactions
342
+8%Pending
KES 3,200
-2%Revenue — Last 7 days
View allRecent Transactions
John Kamau
C2B · 2m ago
Payroll batch
B2C · 1h ago
Mary Wanjiku
C2B · 2h ago
FAQs
Common questions
Still have questions? Our team is available 24/7.
Creating your account takes under 3 minutes. KYC review is completed within 24–48 business hours. Once approved, you can start accepting payments immediately — no waiting period.
You'll need your Certificate of Incorporation (or Business Registration), KRA PIN certificate, director/owner national ID, and a recent bank or M-Pesa statement.
C2B payments settle instantly to your Afrinet Wallet the moment a customer confirms. You can withdraw to your bank account or use your wallet balance for B2C disbursements.
No coding required. You can trigger STK pushes and manage payroll through the dashboard. If you want API integration, we provide a REST API with SDKs, a sandbox environment, and webhook support.
Yes. Afrinet is licensed and regulated by the Central Bank of Kenya. We are also PCI-DSS certified and operate under strict data protection standards.
C2B failures (e.g. wrong PIN, insufficient funds) are reported to you instantly. For B2C, Afrinet automatically retries failed disbursements and provides a per-recipient status report.
Ready to go live?
Join 10,000+ businesses across Kenya accepting and sending payments with Afrinet.