JamboPay
JamboPay is a digital payment gateway developed by Web Tribe Ltd, a Kenyan fintech company founded in 2009. The platform serves individuals, businesses, and government agencies across Kenya and selected East African markets. It enables seamless online payments, utility bill settlements, e-commerce transactions, and integrations with public services. Designed for both personal and business use, JamboPay’s audience ranges from everyday consumers paying for utilities in Nairobi to merchants seeking scalable payment solutions and integrations.
| Characteristic | Details |
|---|---|
| Company | Web Tribe Ltd (trading as JamboPay) |
| Year Founded | 2009 |
| Headquarters | Nairobi, Kenya |
| Supported Regions | Primarily Kenya; services extend to selected East African markets (e.g., Uganda, Tanzania) |
| Payment Methods | Mobile-money platforms (M-Pesa, Airtel Money), card payments (Visa/MasterCard), bank transfers, and local wallet options |
| Key Services | Online payment acceptance, utility and bill collections, merchant APIs, partner and agency services |
| App Availability | Android, iOS |
| Business Portal | JamboPay Business Portal (B2B features, agency network) |
| API Integration | RESTful API, plugins for WooCommerce and other CMSs |
| Security | SSL encryption, 2FA authentication, data protection audits |
| CompanyWeb Tribe Ltd (trading as JamboPay) | |
| Year Founded2009 | |
| HeadquartersNairobi, Kenya | |
| Supported RegionsPrimarily Kenya; services extend to selected East African markets (e.g., Uganda, Tanzania) | |
| Payment MethodsMobile-money platforms (M-Pesa, Airtel Money), card payments (Visa/MasterCard), bank transfers, and local wallet options | |
| Key ServicesOnline payment acceptance, utility and bill collections, merchant APIs, partner and agency services | |
| App AvailabilityAndroid, iOS | |
| Business PortalJamboPay Business Portal (B2B features, agency network) | |
| API IntegrationRESTful API, plugins for WooCommerce and other CMSs | |
| SecuritySSL encryption, 2FA authentication, data protection audits | |
Pros
- Multiple payment options via cards, mobile money, and local wallets
- Strong presence in Kenya, including government and utility integrations
- Easy integration for developers through REST API and plugins
- Suitable for both personal and business payments, including bulk disbursements
- Responsive local customer support
Cons
- Limited coverage outside East Africa
- Occasional user reports of delayed settlements or verification checks
- Transaction fees may be higher than those of new entrants
- Downtime can occur during peak government-service usage
- Mobile app features remain basic compared to global competitors
Overview of JamboPay Payment Gateway
What Is JamboPay and Who Is It For?
JamboPay is a Kenyan-based payment gateway enabling secure online and offline transactions for individuals, businesses, and public institutions. Initially developed to simplify bill payments in Kenya, it now serves as a versatile platform for e-commerce, utilities, and government collections across the region.
Key JamboPay Services and Solutions
- Personal Use: Pay Nairobi water bills, parking, electricity, NHIF, and other government permits online. Users can top up their accounts via M-Pesa, Airtel Money, or cards.
- Business Portal & Corporate Services: The JamboPay Business Portal allows merchants to receive customer payments, track settlements, and generate reports. It supports automated invoicing and bulk disbursements.
- Agency Network: JamboPay partners with agents to offer local payment collection and service distribution.
- API & Integration: Developers can integrate JamboPay via RESTful API or ready-made plugins for platforms such as WooCommerce and WordPress.
How to Use JamboPay
- Sign Up: Register via the JamboPay portal as an individual or business.
- Integration: Businesses connect their websites using an API, WooCommerce plugin, or invoice link.
- Payment: Customers select JamboPay as their payment option and pay via mobile money, card, or wallet.
- Settlement: Funds are received in the user’s JamboPay account, with withdrawal options to bank or mobile wallet.
User Experience and Reviews
User feedback is generally positive, particularly for government and utility payments. Customers praise its reliability and support responsiveness, though some mention delays during high-volume settlement periods. Overall, JamboPay is regarded as a trustworthy local solution for digital payments in Kenya.
Fees and Charges
Transaction fees vary by payment method and volume. Detailed rates are available directly from JamboPay. Business accounts may include setup or settlement charges, while personal payments typically incur standard transaction fees.
Note: Publicly confirmed percentage ranges are not published by the company.
Security and Trust
JamboPay employs SSL encryption, two-factor authentication, and data-protection protocols. The company reports adherence to Kenyan financial regulations and oversight by the Central Bank of Kenya for electronic-payment operations. Users should verify current compliance status directly with JamboPay.
Use Cases
- Personal: Bill payments, school fees, government services, online shopping
- Business: E-commerce payment acceptance, supplier disbursements, automated invoicing, and integration with APIs
Our Verdict
JamboPay remains one of Kenya’s most established payment gateways, combining strong local integrations, easy onboarding, and secure operations. While its international reach is limited, the platform is an excellent choice for domestic users and regional businesses seeking reliable payment and collection tools.
Where Is JamboPay Available?
As of 2025, JamboPay operates primarily in Kenya, with expansion into select East African markets (such as Uganda and Tanzania) through partnerships. Availability of services varies by country — confirm details directly with JamboPay.
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FAQ
What is JamboPay?
JamboPay is a Kenyan-based payment gateway and wallet platform enabling secure online and mobile transactions for individuals, businesses, and government institutions.
How do I sign up for a business account?
Create a business profile on the JamboPay portal, provide KYC documents, and complete verification to start receiving payments.
What are the main fees?
Fees depend on the payment method and transaction size. Businesses may receive volume-based discounts.
Is JamboPay secure?
Yes. It uses SSL encryption, 2FA, and follows Kenyan financial regulations under Central Bank of Kenya oversight.
Can I integrate JamboPay with my website?
Yes. JamboPay offers REST API integration and plugins for WooCommerce, WordPress, and other platforms.
