Your money. Your Way
Pesa yako.Njia yako.
Okota Pay is the financial identity for Kenya's working businesses. One tag a customer can pay. One number that ties your Mobile money, bank and SACCO into a record that stays yours.
See what we doNairobi, Kenya
Okota doh, bila stress na hustle.
Payment received
KES 1,500
Mobile money confirmed
Confirmed
BUILT FOR
- Boda riders
- PSV drivers
- Mama mbogas
- Shops
- Fundis
- Mini-marts
- Freelancers
What it is
One financial identity
A tag customers pay, and a number that ties the accounts you already use into a record that stays with the business.
Open today
Reserve a tag
Confirm your name, national ID, email, and phone. A match opens a receive-only account.
Where we are
Nairobi, Kenya
Okota Pay is built here for the way Kenya gets paid.
WHAT WE DO
Everything between the customer and your accounts.
Okota Pay does not replace Mobile money or your bank. It gives them one name, one record, and a cleaner way to get paid.
Okota Tag
Customers pay @mama_mboga — no Paybill to memorise.
QR code
Stick it on your counter, boda or stall. Customers scan and pay.
Routing engine
Every payment lands where you choose, over the cheapest rail.
Business wallet
Business money kept apart from personal — a clean record to show a lender.
Jazilia overdraft
Cover when your balance runs out mid-shift. Repaid from your next payment.
Built on Kenyan rails
Runs on Mobile money, PesaLink and the bank transfers you already use.
OUR CORE
One number. Every account.
Your Okota Number ties together your Mobile money, bank and SACCO into one permanent financial identity. It's assigned when you register, and every payment you receive adds to your record.
YOUR OKOTA NUMBER (UAID)
Example number OKT4821
- Mobile money
- Bank
- SACCO
One number, all accounts
Stop giving out tills, paybills and account numbers.
A record that's yours
Every payment builds your history — it follows you, not the platform.
Unlocks Jazilia
A steady record is the foundation for overdraft cover.
Your record is your credit.
HOW IT WORKS
A simpler way to get paid.
@fademasters
@yourbusiness could be next — Reserve yours
Step 01: Claim your tag
Pick @yourbusiness and make it yours before someone else does.
Step 02: Put it to work
Print your QR for the counter, or share your tag in WhatsApp.
Step 03: Get paid your way
Customers pay @mama_mboga by tag, QR or Mobile money prompt.
Thank you kwa kutambua @kamaubutchery
KES 850 paid
NEW · TAMBULIKA
New
Get recognised with tambulika
Tambulika lets you write the thank-you message your customers get the moment they pay. Your tag, your words, so they remember who served them.
Tambulika ships with the product. Reserve a tag if you want it when payments open.
Thank you kwa kutambua @kamaubutchery
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OUR VALUES
What we will not trade away.
Okota Pay is early. These are the rules the product is being built to keep.
The record is yours
Every payment should add to a history that follows the business, not the app that happened to take the money.
Built for the counter
Boda riders, mama mbogas, shops, fundis and freelancers are the customer. The product is shaped around their day, not a head office.
One identity, every rail
Mobile money, bank and SACCO stay where they are. Okota is the name a customer uses to reach them.
Plain dealing
We say what is open today and what is still being built. A verified tag can receive payments. Withdrawals are not open yet.
ABOUT US
What Okota Pay is.
Okota Pay is the payment identity Kenya's small and informal businesses have been missing.
A mama mboga, a boda rider, a fundi and a shop already take money every day. They give out a till, a paybill or a phone number, and the history of that work stays scattered. Okota Pay puts one tag in front of those accounts and keeps the record with the business.
RESERVE A TAG
Reserve your personal tag.
Your Okota tag is your personal tag. It stays yours on a business account too. Enter your legal name and national ID, then verify email and phone.
We check the tag as you type. Confirm your details before we validate them.
CONTACT US
Talk to Okota Pay.
Questions about Okota Pay, a tag reservation, or working with us. We read every note sent to the address below.
- [email protected]
- PHONE
- +2547110000888
- WHERE
- Nairobi, Kenya