TelePay is Kenya's fastest M-Pesa micro-wallet built directly inside Telegram. No app downloads. No signups. Just tap and send.
No bank account needed. All you need is Telegram and an M-Pesa number.
Send money to any TelePay user by their Wallet ID. Funds arrive in seconds with low tiered fees starting from just KES 1.
Top up your TelePay wallet directly from M-Pesa via STK Push. Enter your number, confirm your PIN on your phone — done.
Withdraw from your TelePay wallet to any M-Pesa number. Processed within 24 hours or less. 3% fee applies.
Share your personal TelePay payment link anywhere. Anyone clicking it can pay you instantly inside Telegram.
Every transaction requires your 4-digit PIN. Encrypted with military-grade PBKDF2-SHA256 hashing. Self-reset anytime.
View your full transaction history and export a CSV mini-statement directly from your Telegram chat anytime.
No forms, no waiting. Your wallet is created automatically the moment you start the bot.
Search @TelePayBot on Telegram and tap Start. Your wallet is created instantly.
Create a secure 4-digit PIN to protect your wallet and authorize transactions.
Tap Deposit → enter your M-Pesa number → confirm STK Push on your phone.
Send to any TelePay user instantly or withdraw to M-Pesa within 24 hours.
P2P transfers use a fixed tiered fee schedule. Withdrawals charge a flat 3% of the amount.
| Amount (KES) | Fee (KES) |
|---|---|
| 1 – 10 | KES 1 |
| 11 – 49 | KES 2 |
| 50 – 99 | KES 5 |
| 100 – 299 | KES 10 |
| 300 – 499 | KES 15 |
| 500 – 999 | KES 40 |
| 1,000 – 2,999 | KES 70 |
| 3,000 – 4,999 | KES 100 |
| 5,000 – 7,499 | KES 130 |
| 7,500 – 9,999 | KES 160 |
| 10,000 – 14,999 | KES 180 |
| 15,000 – 19,999 | KES 200 |
| 20,000 – 34,999 | KES 225 |
| 35,000 – 49,999 | KES 300 |