Pesapal

Pesapal is a payments company in East and Southern Africa that offers card and M-Pesa acceptance on POS machines, online payments and business loans. For restaurants, cafes, bars and hotels it sells payment terminals and Oracle-validated integrations that post payments to Oracle Simphony and hotel systems, with pay-at-table and bill splitting. It is regulated by central banks in several countries.

Last reviewed

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Home page of Pesapal's website
Pesapal's website on 30 September 2026
Best for
Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments, Restaurants, bars and hotels running Oracle Simphony or OPERA
Pricing
Percentage of sales
Runs on
Web

Who it is for

  • Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments

    One POS machine accepts M-Pesa (till, paybill, Xpress) and Visa and Mastercard payments, with M-Pesa receipts and collection control.

  • Restaurants, bars and hotels running Oracle Simphony or OPERA

    Oracle-validated integrations post payments and orders to the POS or property management system in real time, with pay at table and split bills.

  • Restaurants that want online ordering with payments

    Pesapal lists a free online ordering platform for restaurants and a free digital menu for bars and clubs in its Oracle hospitality offer.

What it does

  • Card and M-Pesa POS machine

    Accepts M-Pesa and Visa and Mastercard payments on one terminal with 4G and Wi-Fi, tap and insert.

  • Smart, connected and mobile POS terminals

    Android-powered smart POS, a connected POS machine and a pocket-size mini POS for mobile businesses.

  • M-Pesa receipts and collection control

    Issues M-Pesa payment receipts and helps control M-Pesa collections.

  • Pay at table and pay at counter

    Retrieves a table's check by table number or waiter ID and lets diners split the bill with partial payments.

  • Online invoicing

    Sends branded e-invoices by email and collects payment online.

  • Payment links

    Accepts payments through a link without needing a website.

  • Payments page and plugins

    A customisable payments page and plugins and an API for e-commerce stores.

  • Oracle hospitality integration

    Integrates payments and online sales with Oracle OPERA, Suite8 and Simphony, with real-time reconciliation.

  • Online booking engine and event ticketing

    A booking engine for hotels and online event ticket sales.

  • Business credit

    Business overdraft and merchant loans based on transaction data, applied for digitally.

  • Rack POS for retail stock

    A cloud POS for dry stock and convenience store shelves with supplier management, stock audit and multi-branch dashboard.

  • Transaction reports

    Reports of daily sales and all transactions in one place for reconciliation.

Pricing

Pricing model
Percentage of sales

Pesapal says it uses simple per-transaction pricing with no hidden fees but publishes no rates on the vendor's site. Sign-up and contact routes are offered instead.

How it compares

Compared with the 12 products in Payment Processing for Food Businesses that have a profile on this site. These figures describe the category. They are not a recommendation.

  • Names 9 integrations. The median in this category is 5.
  • Lists Web only. Among the 10 products in this category that state their platforms, 7 list an iOS app and 8 list an Android app.
  • The category's 10 most-named integration partners are Shopify, WooCommerce, Magento, OpenCart, PrestaShop, Xero, Lightspeed, Oracle Micros, Agilysys, Appetize. Of these, this product's listing names Oracle Micros.

Works with

Other
Oracle Hospitality OPERAOracle Hospitality Suite8
Payments
M-PesaGoogle PayFitbit Pay
Point of sale
Oracle Simphony/Micros RESOracle MicrosCompulynxMicrosoft AMX

Where and how it runs

Available in
Kenya, Malawi, Tanzania, Rwanda, Uganda, Zambia, Zimbabwe
Platforms
Web
Hardware
Pesapal POS machines: a smart Android POS, a connected POS and a mini mobile POS, with 4G and Wi-Fi and tap, insert and NFC payments.

The country selector on the Pesapal site lists these seven countries. The vendor says it is regulated by the central banks of Kenya, Uganda, Tanzania, Rwanda and Zambia.

The company

Company
Pesapal Limited
Founded
2009
Headquarters
Nairobi, Kenya
Team size
300+ people in 5 African countries (per the vendor's about page)
Customers named by the vendor
Cafesserie, Pantry & Provisions

Security and support

Security and compliance
PCI-DSS Level 1 certified, PCI-PIN compliant, 128-bit SSL in transit and 256-bit AES for stored data, Regulated by the Central Bank of Kenya
Support
Help centre, support tickets and phone contact; the Oracle hospitality offer includes a 24/7 support desk.

Listing details

Built for
Restaurants, Food retail
Focus
General-purpose, used in food businesses
Status
Active
Website
pesapal.com

Alternatives to Pesapal

See all 26 in Payment Processing for Food Businesses

  • Adyen for Restaurants

    Adyen is a payments company whose in-person platform provides card terminals, acquiring and reconciliation in one place.

    Names 3 integrations, against 9 for Pesapal.

  • Elavon

    Elavon is a card payment processor that gives merchants terminals, gateways and its own tablet point of sale, and it states it carries the security and reliability of U.S.

    Names 5 integrations, against 9 for Pesapal.

  • PayTabs

    PayTabs is a payments company serving the Middle East and North Africa.

    Runs on Web, iOS and Android, against Web for Pesapal.

  • Yoco

    Yoco is a South African payments and point-of-sale provider for small businesses.

    Runs on Web, iOS and Android, against Web for Pesapal.

Compare Pesapal

Side-by-side tables built from the same profile data.

What we could not confirm

These points were not confirmed when this page was written.

  • Transaction rates, POS terminal prices or subscription fees (not published)
  • Contract term and renewal
  • Founders, funding and ownership
  • Interface languages
  • Restaurant POS integrations beyond the Oracle and named POS systems

Sources

Facts on this page come from the pages below, checked on 29 September 2026. Prices and features change, so confirm with the vendor before you buy.

  1. Homepage: countries, POS, integrationshttps://www.pesapal.com/
  2. POS machineshttps://www.pesapal.com/business/pos
  3. Oracle validated integrationshttps://www.pesapal.com/hospitality
  4. Oracle products, pay at tablehttps://www.pesapal.com/business/oracle-hospitality
  5. Online paymentshttps://www.pesapal.com/business/online
  6. Pricing statementhttps://www.pesapal.com/business/online/payments-page
  7. Industry sectors and customer storieshttps://www.pesapal.com/business/sector
  8. Business credithttps://www.pesapal.com/business/credit
  9. Rack POShttps://www.pesapal.com/business/rack
  10. Security certificationshttps://www.pesapal.com/security
  11. Company backgroundhttps://www.pesapal.com/about-us