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How Kenyan businesses actually take payments through their websites

Whether you sell services, products or memberships online, your site needs a way to collect money—and in Kenya, that means understanding M-Pesa integration and payment gateways.

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Many Kenyan business owners commission a website thinking payment collection will be straightforward, only to discover that connecting a site to M-Pesa or a card gateway involves technical decisions they were not prepared for. The choice depends less on budget and more on what you sell, how often customers pay, and whether you need features like invoicing, subscriptions or inventory tracking. A single-service consultancy accepting project deposits has different needs from a retailer shipping stock daily, yet both may start with the same question: can people pay me through this site?

Taking payments is one of the first things many business owners want from a website. Mycrea Technologies, the Nairobi studio that also designs and maintains this website, lists M-Pesa or payment integration in its Growth package, the one it marks as most popular. That package starts from KSh 80,000 and lists up to eight pages, custom UI and UX design, a content management system and three to four weeks of delivery. Its e-commerce store starts from KSh 80,000 in the quote builder, and a separate e-commerce store setup add-on is listed from KSh 50,000. The company says every quote is scoped individually, so those figures are starting points rather than final prices.

Payment integration can mean different things, which is why it is worth asking any studio exactly what is included: whether customers can pay by M-Pesa, by card or by bank transfer, how payments are matched to orders, and what happens when a payment fails. Mycrea's site lists payment integration and M-Pesa as part of its e-commerce service, alongside store design and inventory systems, and its Premium package lists API and third-party integrations.

A payment button on a service site confirms a booking; a store needs more. Mycrea's e-commerce service, according to its website, covers store design, payment integration, M-Pesa and inventory systems. The site notes that scope decides the final quote, and says it can arrange milestone-based payments for larger projects. For a founder comparing studios, it is worth asking not just whether a developer can connect M-Pesa, but how the checkout will be tested before launch.

One detail often missed in early conversations is post-launch support, because a payment system needs looking after once it is live. Mycrea says it includes basic post-launch support with every project and lists website maintenance from KSh 8,000 a month, with all pricing described as starting points that depend on scope. It says it typically works on a 50 per cent deposit with the balance due on delivery, accepts M-Pesa Paybill, bank transfer, cheque and international wire, and quotes in US dollars for clients outside Kenya. As with any commissioned work, compare detailed quotes from more than one studio and ask what support covers when a payment fails.

Start a project, or see the published prices and past work, at mycrea.dev. Read the pricing, browse the case studies, or start a project. Compare quotes from more than one studio before you decide.

Promoted content. Mycrea Technologies Ltd also designs and maintains Kijiji News.

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