Integrated Payment Services Limited (IPSL) - Transforming Digital
Transactions in Kenya
About IPSL
Integrated Payment Services Limited (IPSL) is a leading payment solutions
provider in Kenya, dedicated to revolutionizing the financial landscape through
seamless, secure, and instant digital transactions. Established to enhance
interoperability among financial institutions, IPSL has pioneered PesaLink, a
real-time payment service that enables instant money transfers across banks,
mobile money platforms, SACCOs, and fintech solutions.
With a strong commitment to innovation, IPSL continues to drive financial
inclusion and efficiency, ensuring individuals, businesses, and government
institutions can transact seamlessly, anytime and anywhere.
PesaLink: The Future of Instant Payments
PesaLink is Kenya’s premier instant payment platform, designed to facilitate
real-time financial transactions. Built with cutting-edge technology, PesaLink
offers a secure, reliable, and convenient way for customers to transfer funds
directly between bank accounts and other financial platforms.
Key Features of PesaLink:
● Instant Transfers – Transactions are processed in real-time, ensuring
immediate access to funds.
● 24/7 Availability – PesaLink operates round the clock, including
weekends and public holidays.
● Flexible Transfer Limits – Customers can send as little as KSh. 10 and
up to KSh. 999,999 in a single transaction.
● Multi-Platform Accessibility – Accessible through mobile banking
apps, USSD, internet banking, ATMs, agency banking, and bank
branches.
● Enhanced Security – Uses robust encryption and authentication
protocols to ensure transaction safety.
PesaLink’s Impact in Kenya:
Since its launch, PesaLink has transformed digital payments in Kenya by
reducing reliance on cash transactions, lowering transaction costs, and
improving efficiency across financial institutions. With over 6 million registered
users and transactions surpassing KSh. 1 trillion, PesaLink continues to
redefine how individuals and businesses transact.
Our Services
1. Instant Payment Solutions
PesaLink provides instant money transfer services, allowing users to send and
receive funds securely across different banking institutions. Whether sending
money to family, paying for goods and services, or settling bills, PesaLink
ensures a hassle-free experience.
2. Business Payment Solutions
Businesses can leverage PesaLink for seamless transactions, enabling them to
make bulk payments, process supplier invoices, and manage payroll with real-
time efficiency. This service enhances liquidity and improves financial
operations for businesses of all sizes.
3. Government Payment Services
IPSL partners with government institutions to facilitate instant payments for
services such as business registration, passport applications, and tax
remittances. Through its integration with eCitizen, PesaLink provides a reliable
and efficient platform for making government-related payments with ease.
4. Merchant Payment Solutions (Upcoming)
PesaLink is developing an advanced merchant payment platform that will
enable real-time person-to-merchant (P2M) transactions. This will enhance e-
commerce payments, improve business cash flow, and reduce dependency on
cash transactions.
5. Bulk Payments for Enterprises
Large organizations and SMEs can use PesaLink’s bulk payment services to
disburse salaries, pay vendors, and process large-scale payments efficiently.
This helps businesses streamline their financial operations while ensuring
immediate value transfer to recipients.
Technology & Security
Security and trust are at the core of IPSL’s operations. The PesaLink platform is
built on an advanced technology stack that incorporates:
● ISO 20022 Standard – Ensuring richer data exchange, seamless
interoperability, and expanded transaction use cases.
● Multi-Layered Encryption – Protecting customer data and
transaction integrity.
● Fraud Monitoring & Risk Management – Leveraging AI-driven
security protocols to detect and mitigate fraud in real-time.
● Regulatory Compliance – Adhering to the Central Bank of Kenya’s
regulatory framework to ensure secure and lawful transactions.
● Real-Time Notifications – Providing instant alerts for transaction
confirmation, improving customer confidence and reducing fraud risk.
How to Use PesaLink
Accessing and using PesaLink is simple and user-friendly. Customers can
perform transactions via:
. Mobile Banking Apps – Available through participating banks’ mobile
apps.
. Internet Banking – Log in to your bank’s online platform and select
the PesaLink option.
. USSD Services – Dial your bank’s USSD code and follow the prompts
to send money via PesaLink.
. ATM Transactions – Selected ATMs allow direct transfers through
PesaLink.
. Agency Banking – PesaLink transactions can be facilitated through
bank agents.
. Bank Branches – Walk into any participating bank branch and request
a PesaLink transaction.
Our Partners & Collaborations
IPSL collaborates with key stakeholders in the financial sector, including:
● Commercial Banks – Over 30 banks in Kenya have integrated
PesaLink into their digital banking platforms.
● Fintech Companies – Working with fintech innovators to enhance
financial services.
● SACCOs & MFIs – Expanding PesaLink services to cooperative
financial institutions.
● Regulators & Government Institutions – Partnering with the Central
Bank of Kenya and government agencies to facilitate secure and
compliant financial transactions.
● Retailers & E-Commerce Platforms – Partnering with merchants to
enable seamless digital payments at checkout.
Success Stories & Testimonials
Thousands of users and businesses have benefited from PesaLink’s fast and
reliable payment solutions. Here are some of their experiences:
● John M. (Nairobi) – "PesaLink has made my business transactions so
much easier. I can now pay suppliers instantly without waiting for bank
processing times."
● Mary K. (Mombasa) – "I love how seamless and secure PesaLink is.
Sending money to my family has never been this quick and
convenient."
● ABC Ltd. (Corporate User) – "We integrated PesaLink into our payroll
system, and salary disbursements are now instant. Employees receive
their payments on time, every time."
Future Developments & Innovations
IPSL is continuously innovating to enhance its services. Upcoming
developments include:
● Cross-Border Payments – Plans to extend PesaLink services beyond
Kenya to facilitate regional money transfers.
● QR Code Payments – Enabling quick and secure merchant payments
via QR code scanning.
● Expanded Fintech Integrations – Collaborating with fintech
companies to introduce new payment solutions.
● Artificial Intelligence & Data Analytics – Leveraging AI for enhanced
fraud detection and customer insights.
● Instant Bill Payments & Subscriptions – Allowing users to pay for
utility bills, subscriptions, and other services in real time.
Why Choose IPSL & PesaLink?
● Fast & Reliable Transactions – Instant processing of payments with
no delays.
● Secure & Trusted Platform – Compliant with global financial security
standards.
● Convenient & Accessible – Multiple channels for transaction
execution.
● Cost-Effective Solutions – Lower transaction fees compared to
traditional banking methods.
● Innovative & Future-Ready – Continuously evolving to meet
customer needs.
Contact Us
For inquiries, partnerships, or support, reach out to us:
● Website: [Link]
● Email: info@[Link]
● Phone: +254-XXX-XXX-XXX
● Address: IPSL Headquarters, Nairobi, Kenya
● Social Media: Follow us on Twitter, LinkedIn, and Facebook for the
latest updates.
PESALINK’S HOLIDAY BONANZA PROMOTION
Terms and Conditions
The Pesalink Holiday Bonanza Promotion will run from 25th November 2024 to
15th January 2025. By participating in this promotion, you agree to have read,
understood, and accepted these terms and conditions.
1. Eligibility
a) The Promotion is open to all new and existing Pesalink customers with active
bank accounts in Kenya, above the age of 18 years, with valid identification.
b) This Promotion is NOT open to:
● Pesalink and Kenya Bankers Association (KBA) staff and their
immediate family members.
● Pesalink contractors and their immediate family members.
● Affiliates of Pesalink, including Board Members, employees, and their
immediate family members.
2. Participation
a) To participate, make purchases using Pesalink at any of the promotion’s
partner outlets during the promotion period. Ensure to use the Pesalink code
"PHB" for transaction validation when making the payment to successfully
qualify.
3. Pesalink Holiday Bonanza Promotion Partners
a) The promotion has one retail partner, Hotpoint Kenya Limited, and one
travel partner, Bountiful Safaris Limited.
4. Winning Criteria
a) Retail Partner (Hotpoint Kenya Limited):
● The two highest transacting individuals using Pesalink with "PHB"
as the reference code at any Hotpoint outlet will each win a Ksh
50,000 voucher.
b) Travel Partner (Bountiful Safaris Limited):
● The highest transacting individual using Pesalink with "PHB" as the
reference code for any Bountiful Safaris holiday/travel package will win
a fully paid trip for two worth Ksh 100,000.
c) Prize Conditions:
● All prizes are non-transferable, non-refundable, and must be
redeemed within two months of winning.
5. Issuing of Reward
a) The winners will be notified via phone using the contact information
provided during the transaction.
b) The winners will be announced after the promotion period has ended.
c) The winner must respond within 48 hours to the winning notification to
claim their prize.
d) If the winner fails to respond within the given time frame, an alternate
winner may be selected from the remaining eligible entries.
e) Winners must present valid identification (National ID, Passport, or Driving
License) and confirmation of transactions to claim their prize.
6. Disqualification
a) Any participant found violating the promotion rules or engaging in
fraudulent activities will be disqualified.
b) The promotion organizers reserve the right to disqualify any participant
without providing a reason.
7. General Terms
a) Participants agree to abide by these promotion rules and decisions made by
the organizers.
b) The organizers reserve the right to modify or cancel the promotion at any
time, without prior notice.
c) The organizers are not responsible for any technical issues, delays, or
errors that may occur during the promotion.
d) By participating in the promotion, participants grant the organizers the
right to use their names and images for promotional purposes.
8. Privacy
a) Definition
"Personal Information" refers to data that identifies an individual, as defined
under the Data Protection Act, including but not limited to name, address,
phone number, and account number.
b) Collection of Information
We are required by law to collect certain personal information and are legally
obligated to deny you the service if such information is not provided.
Apart from the legal obligation, we also need to collect your personal
information for quality service delivery. Please note that although this is
voluntary, without such information, we may not be able to provide the service
associated with this promotion.
c) Privacy Commitment
Pesalink is dedicated to protecting participant privacy. The privacy
statement on the Pesalink website details data handling practices,
protection measures, and information-sharing policies.
9. Extension of Terms
a) Pesalink may amend these terms or withdraw the promotion at any time.
Notification of such changes will be sent via SMS to Pesalink subscribers and
will have immediate effect or as specified in the notice.
b) Terms and conditions are available on the Pesalink website at: https://
[Link]
For more information, contact Pesalink Customer Support.
Integrated Payments Service Limited (IPSL) is the real-time payment services
company of Kenya Bankers Association. Established in 2015 under the National
Payment System (NPS) Act, to address the challenge of inter-bank money
transfers in the country. The company provides a secure and instant money
transfer rails, branded PesaLink.
PesaLink provides 24 x 7 x 365 real-time payment services for the banking
industry in Kenya. The ecosystem, today, consists of banks, payment service
providers (PSPs) and savings and credit cooperative societies (SACCOs) and a
telco. PesaLink continues to provide a compelling proposition to bank and non-
bank financial institutions, consumers, merchants and businesses for real-time
transfer, within seconds, enabling immediate value, with same-day settlement
capabilities. This has continued to be an exciting reality for consumers across
banks with access to PesaLink through various digital banking platforms.
PesaLink Transformation and Modernization
Globally, real-time payments (RTP) rails have become and will continue to be
one of the most critical innovations in the banking industry. As digitization of
payments gains momentum, this trend has inevitably resulted in technology
investment modernize and transform real-time payments infrastructure to
ensure a robust, resilient and data enriched 24 x 7 x 365 real-time payment
platform for the banking industry.
Kenya, through Integrated Payment Services Limited (IPSL) has now become
one of the trailblazers in the industry, migrating to a modernized real-time
payment platform based on ISO20022- global messaging standard for instant
payments. This transformation would enable partners to develop and launch
new ‘push’ and ‘pull’ payment use cases.
Board of Directors
Jeremy Ngunze
(non – independent)
Jeremy Ngunze (non – independent)
Chairman
Jack Ngare (non – independent)
Jack Ngare (non – independent)
Laura Chite
(non – independent)
Laura Chite (non – independent)
Dr. Shikoh Gitau (non – independent)
Dr. Shikoh Gitau (non – independent)
Paul Russo
(independent)
Paul Russo (independent)
Jubril Adeneji
(independent)
Jubril Adeneji (independent)
Anthony
(independent)
Anthony Mburu (independent)
Gituku Kirika
Gituku Kirika
Chief Executive Officer - IPSL
Office Hours: 8am-5pm
International Hse, 7th Flr
Mama Ngina Street, Nairobi - Kenya.
