Pesalink and Cellulant have announced a landmark partnership aimed at scaling customer-to-business (C2B) payments for online services in Kenya. Through this collaboration, Pesalink will integrate Cellulant’s Tingg platform, which connects over 80 financial institutions—including 39 commercial banks, SACCOs, and fintechs—directly to merchants. This creates a seamless payments ecosystem linking millions of bank accounts to businesses, solving long-standing inefficiencies in Kenya’s digital payments space.
The partnership addresses recurring challenges such as delays, reconciliation errors, and limited payment options. By enhancing interoperability between banks, fintechs, and merchants, customers will now benefit from instant and affordable payments. Transactions can reach up to KSh 999,999 per purchase with higher daily limits, eliminating the need for customers to shuffle funds across multiple mobile money or card platforms. At the same time, merchants gain confidence with accurate reconciliation and faster settlement.
A key feature of this integration is the ability for customers to confirm payment details before sending funds. Each transaction is assigned a reliable reference number, ensuring payments are routed to the correct merchant and appropriately linked to the service or product purchased. This system builds trust, reduces disputes, and minimizes costly errors, strengthening digital payments as a dependable choice for businesses and consumers alike.
Businesses, particularly in high-value sectors like travel and airlines where the service has already gone live, will now experience fewer disputes and reduced delays. With reconciliation simplified, enterprises can focus on scaling operations and delivering value rather than chasing missing or delayed payments. Over time, the rollout will extend to a wider pool of businesses, supporting growth across Kenya’s digital economy.
Tingg’s single API platform, which supports over 200 payment methods across online and offline channels, currently processes more than 4.5 million transactions daily. This partnership therefore leverages existing scale and infrastructure to unlock greater efficiency for both local and international businesses. Cellulant emphasizes that seamless, secure payments not only support commerce but also catalyze economic opportunities, innovation, and financial inclusion.
Kenya’s digital payments market is projected to reach US$9.36 billion in 2025, with mobile money accounting for more than US$5.85 billion. Pesalink alone processes KSh 4 billion daily and over KSh 110 billion monthly, marking 41% year-on-year growth. By combining strengths, Pesalink and Cellulant are demonstrating how collaborative infrastructure can transform financial ecosystems, boost business competitiveness, and create pathways for inclusive growth.
