Jenga

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Jenga is a payment gateway developed by Finserve Africa to serve growing demand for online transactions and payment services in Kenya. It is often called a kenyan payment gateway because it was built with a focus on local needs, especially the integration of mobile money. As a payment service provider, Jenga helps businesses to accept payments through credit card, Visa, Mastercard, and airtel money, while also supporting various payment methods such as PayPal and WeChat.

For merchants, the ability to accept payments through a wide range of payment methods is critical. Jenga offers a variety of payment methods including mobile money wallets like M-Pesa and airtel money, making it a reliable payment gateway for merchants in East Africa. It is positioned as one of the best payment gateway in Kenya, especially for businesses that want to integrate both local and international payment options.

By offering multiple payment methods, Jenga provides a payment solution that allows companies to reach customers using their preferred method. This flexibility makes it attractive to e-commerce stores, marketplaces, and SMEs looking to set up a payment gateway without high initial costs.

CharacteristicDetails
RegionsKenya, East Africa, global support via cards
Getting startedOnline application via Jenga API portal
Setup FeeFree
Commission per transaction3.5% (cards), 1% (mobile money)
Payment methods acceptedM-Pesa, Airtel Money, Equitel, Visa, Mastercard, PayPal, WeChat
Fraud & Risk managementPCI-DSS certified, fraud detection tools
Accepted CurrenciesKES, USD, EUR, GBP
Set up typeREST API, SDK
Onboarding & Approvals time2–5 business days
Recurring BillingYes
Charges on RefundsTransaction fee applies
SDK StacksPython, Java, PHP, Node.js
Settlement timeT+1 (mobile money), T+2/T+3 (cards)
Payouts supportYes
Split paymentsSupported
RegionsKenya, East Africa, global support via cards
Getting startedOnline application via Jenga API portal
Setup FeeFree
Commission per transaction3.5% (cards), 1% (mobile money)
Payment methods acceptedM-Pesa, Airtel Money, Equitel, Visa, Mastercard, PayPal, WeChat
Fraud & Risk managementPCI-DSS certified, fraud detection tools
Accepted CurrenciesKES, USD, EUR, GBP
Set up typeREST API, SDK
Onboarding & Approvals time2–5 business days
Recurring BillingYes
Charges on RefundsTransaction fee applies
SDK StacksPython, Java, PHP, Node.js
Settlement timeT+1 (mobile money), T+2/T+3 (cards)
Payouts supportYes
Split paymentsSupported

Pros

  • Wide support for African mobile money systems
  • REST API with SDKs in major languages
  • Competitive transaction fees
  • Split payments and recurring billing available

Cons

  • Settlement for cards takes longer
  • Limited coverage outside Africa without card rails
  • Developer documentation not always detailed
  • Refund charges can be high for small businesses

Benefits of Using Jenga Payment Gateway in Kenya

The biggest benefit of Jenga is that it allows businesses to accept payments through a range of payment methods, covering both credit and debit cards and mobile money. For e-commerce stores and service providers in Kenya, having a payment gateway that supports multiple channels is essential. It ensures customers can pay using their preferred method, whether it’s Visa, Mastercard, or wallets like M-Pesa and airtel money.

For merchants comparing payment gateways in Kenya, Jenga competes directly with Pesapal, iPay Africa, and Flutterwave. Each of these payment service providers has strengths, but Jenga’s ability to integrate multiple payment options in one platform stands out. The payment process is designed to be simple and fast, reducing friction for both the customer and the merchant.

How to Set Up a Payment Gateway and Integrate Jenga

Businesses can start by registering through the Jenga API portal. Once approved, they receive API keys and documentation. Developers can integrate payments using SDKs in Python, Java, Node.js, or PHP. Merchants can test in sandbox mode before going live.

After integration, customers can pay via mobile wallets, cards, or international methods. Merchants track transactions in a dashboard with real-time reporting. Refunds and settlements are processed based on the payment method, with mobile money payouts arriving fastest.

Jenga Payment Gateway Review: Best Payment Gateway in Kenya Compared to Pesapal, Flutterwave, and iPay Africa

When choosing a payment gateway in Kenya, merchants look for low fees, fast settlements, and strong security. Jenga positions itself as a reliable payment partner by combining popular payment methods like M-Pesa with international cards such as Visa and Mastercard. It supports various payment channels and offers a wide range of payment features including recurring billing, bulk payment, and split settlements.

Compared to competitors like Pesapal, Flutterwave, and iPay Africa, Jenga offers a new payment approach that is more developer-friendly. Pesapal also provides access to many payment methods, but Jenga’s strong integration with mobile money makes it especially appealing for business in Kenya. Overall, it is an accessible gateway that supports both local and global payment channels while providing flexibility for various payment methods.

Safety of Jenga Payment Gateway Account and Online Payments in Kenya

Security has always been a central concern for any payment gateway. While there have been isolated fraud attempts across many payment platforms in Kenya, there have been no major public scandals directly linked to Jenga. Like other payment service providers, it complies with PCI-DSS standards and applies tokenization to protect online transactions.

The gateway continues to improve fraud detection for multiple payment methods, especially mobile money, which is more vulnerable to phishing in Kenya. It also enforces SSL encryption for integrations, protecting e-commerce platform users. Compared to Pesapal, Flutterwave, and iPay Africa, Jenga is viewed as a reliable payment gateway that has successfully minimized risks. Its fraud monitoring ensures businesses to accept payments safely across a variety of payment methods.

Jenga Payment Gateway Account Fees for Business in Kenya

Jenga does not charge setup or annual maintenance fees. The main costs come from transaction commissions, which are 3.5% for card payments and 1% for mobile money. Refunds may incur standard transaction charges. Settlement times affect liquidity, but there are no hidden account costs for merchants.

Jenga as a Payment Gateway for Your Business in Kenya

A robust payment gateway like Jenga is vital for growing a business in Kenya. It is a kenyan payment gateway that supports both bulk payment services and advanced features such as split settlements. This makes it a payment gateway for your online store as well as for physical retail.

Unlike another payment option that may only handle basic card transactions, Jenga supports various payment methods and supports a range of payment channels, from cards to wallets. It is one of the few reputable payment gateways that not only enhances the efficiency of online transactions but also ensures compliance with regulators.

Which Type of Business in Kenya Should Integrate Jenga Payment Gateway

When selecting a payment gateway for your online presence, it’s important to look at how the gateway integration works with existing systems. Jenga is a gateway that supports multiple payment gateways and can coexist with providers such as Pesapal or iPay Africa, giving merchants flexibility.

For small business in Kenya, this means the ability to manage mobile payment services and international cards under one system. The gateway optimizes the checkout process by giving customers payment options like Visa, Mastercard, or M-Pesa. As a result, the overall payment experience improves, building trust between merchants and clients.

How Physical Businesses in Kenya Can Accept Payments with Jenga Payment Gateway

For merchants running offline stores, Jenga Payment Gateway acts as a gateway for your online store and physical operations alike. The gateway is like a digital bridge that links payment information between devices, wallets, and cards, enabling smooth payment processing in real time.

In Kenya and Africa, the need for multiple payment gateways is growing, but Jenga remains a robust payment gateway choice. By offering instant payment confirmation and supporting bulk payment services, it enhances the efficiency of online and offline payments in Kenya, creating consistency across all sales channels.

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FAQ

How long does it take to integrate Jenga?

Integration can take between 2-5 business days depending on the complexity of your systems. Jenga provides SDKs and sandbox testing environments, which shorten the process. Developers usually manage to complete basic integrations in under a week.

Can Jenga handle subscription payments?

Yes, recurring billing is supported. Merchants can set up automated charges for services such as SaaS, gyms, or memberships. The platform also allows flexible intervals, giving businesses more control over customer billing.

Are refunds supported on all payment methods?

Refunds are possible, but the process depends on the payment channel. For cards, funds may take 5–7 days to return to customers. For mobile money, refunds are processed faster. Merchants should note that transaction fees are usually non-refundable.

How secure is Jenga for online stores?

Jenga is PCI-DSS certified, enforces SSL for integrations, and uses tokenization for sensitive data. While no payment gateway is 100% risk-free, Jenga has avoided major breaches by investing in fraud prevention tools and compliance with regulators.

Does Jenga support payouts to multiple vendors?

Yes, the split payments feature allows businesses such as marketplaces to distribute revenue automatically between sellers, partners, or affiliates. This reduces manual work and improves transparency for all parties.