Payment Methods Kenya 2025

Complete guide to deposit and withdrawal options for betting in Kenya. Compare M-Pesa, Airtel Money, bank cards, and cryptocurrency methods with fees, limits, and processing times.

⚡ Instant Deposits
🔒 Secure Transactions
💰 Low Fees

Supported Payment Methods

M-Pesa M-Pesa
Airtel Money Airtel Money
Visa Visa
Mastercard Mastercard
Bitcoin Bitcoin
Ethereum Ethereum

Payment Method Categories

Choose the payment category that best suits your needs

M-Pesa

Kenya's Leading Mobile Money

Most Popular
Min Deposit: KSh 50
Max Deposit: KSh 300,000
Processing Time: Instant
Fees: Free - KSh 30
Withdrawal: Available

Pros:

  • Instant deposits and withdrawals
  • Widely accepted across all platforms
  • No bank account required
  • 24/7 availability

Cons:

  • Transaction limits apply
  • Small fees for larger amounts

Supported Platforms:

22bet Betway Betika SportPesa All Platforms

Airtel Money

Fast Mobile Money Service

Min Deposit: KSh 50
Max Deposit: KSh 150,000
Processing Time: Instant
Fees: Free - KSh 25
Withdrawal: Available

Pros:

  • Quick transactions
  • Good coverage in Kenya
  • Competitive fees
  • Easy to use

Cons:

  • Lower limits than M-Pesa
  • Less widely accepted

Supported Platforms:

22bet Betway Helabet MozzartBet

Visa

Global Payment Network

Min Deposit: KSh 100
Max Deposit: KSh 500,000
Processing Time: Instant
Fees: 2.5% - 3.5%
Withdrawal: 1-3 Days

Pros:

  • High transaction limits
  • Worldwide acceptance
  • Secure transactions
  • Fraud protection

Cons:

  • Higher fees
  • Slower withdrawals
  • Bank account required

Supported Platforms:

22bet Betway Helabet International Sites

Mastercard

Trusted Payment Solution

Min Deposit: KSh 100
Max Deposit: KSh 500,000
Processing Time: Instant
Fees: 2.5% - 3.5%
Withdrawal: 1-3 Days

Pros:

  • High security standards
  • Global acceptance
  • Large transaction limits
  • Buyer protection

Cons:

  • Processing fees apply
  • Withdrawal delays
  • Bank verification needed

Supported Platforms:

22bet Betway Helabet International Sites

Bitcoin

Leading Cryptocurrency

Trending
Min Deposit: $10 (≈KSh 1,300)
Max Deposit: $50,000 (≈KSh 6.5M)
Processing Time: 10-60 minutes
Fees: Network fees only
Withdrawal: Available

Pros:

  • Anonymous transactions
  • Very high limits
  • Low fees
  • Global accessibility

Cons:

  • Price volatility
  • Technical knowledge required
  • Limited platform support

Supported Platforms:

22bet Helabet International Sites

Ethereum

Smart Contract Platform

Min Deposit: $10 (≈KSh 1,300)
Max Deposit: $50,000 (≈KSh 6.5M)
Processing Time: 5-30 minutes
Fees: Gas fees vary
Withdrawal: Available

Pros:

  • Fast transactions
  • Smart contract security
  • High limits
  • Growing adoption

Cons:

  • Variable gas fees
  • Price volatility
  • Technical complexity

Supported Platforms:

22bet Helabet Crypto Sites

Tether (USDT)

Stable Cryptocurrency

Min Deposit: $10 (≈KSh 1,300)
Max Deposit: $100,000 (≈KSh 13M)
Processing Time: 5-15 minutes
Fees: Network fees only
Withdrawal: Available

Pros:

  • Price stability (pegged to USD)
  • Fast transactions
  • Very high limits
  • Low volatility

Cons:

  • Requires crypto knowledge
  • Limited platform support
  • Network congestion issues

Supported Platforms:

22bet International Sites

Google Pay

Digital Wallet Service

Min Deposit: KSh 100
Max Deposit: KSh 200,000
Processing Time: Instant
Fees: Free
Withdrawal: Limited

Pros:

  • No fees for deposits
  • Quick setup
  • Secure biometric authentication
  • Easy mobile payments

Cons:

  • Limited withdrawal options
  • Requires linked card/account
  • Not widely supported

Supported Platforms:

Betway Selected Sites

Apple Pay

iOS Digital Wallet

Min Deposit: KSh 100
Max Deposit: KSh 200,000
Processing Time: Instant
Fees: Free
Withdrawal: Limited

Pros:

  • Touch ID/Face ID security
  • No transaction fees
  • Fast and convenient
  • Privacy protection

Cons:

  • iOS devices only
  • Limited platform support
  • Withdrawal restrictions

Supported Platforms:

Betway Selected Sites

Skrill

Global Digital Wallet

Min Deposit: $10 (≈KSh 1,300)
Max Deposit: $20,000 (≈KSh 2.6M)
Processing Time: Instant
Fees: 1.45% + $0.50
Withdrawal: Available

Pros:

  • Instant deposits and withdrawals
  • Multi-currency support
  • Strong security features
  • Widely accepted globally

Cons:

  • Higher fees than local methods
  • Account verification required
  • Limited in some regions

Supported Platforms:

22bet Betway Helabet International Sites

Neteller

Secure E-Wallet Service

Min Deposit: $10 (≈KSh 1,300)
Max Deposit: $25,000 (≈KSh 3.25M)
Processing Time: Instant
Fees: 2.5% - 4.95%
Withdrawal: Available

Pros:

  • Fast transactions
  • High security standards
  • VIP program benefits
  • Mobile app available

Cons:

  • Higher fees structure
  • Account maintenance fees
  • Complex verification process

Supported Platforms:

22bet Betway Helabet International Sites

Payment Methods Comparison

Compare all payment methods at a glance

Payment Method Min Deposit Max Deposit Processing Time Fees Withdrawal Popularity
M-Pesa M-Pesa
KSh 50 KSh 300,000 Instant Free - KSh 30 Yes ★★★★★
Airtel Money Airtel Money
KSh 50 KSh 150,000 Instant Free - KSh 25 Yes ★★★★☆
Visa Visa
KSh 100 KSh 500,000 Instant 2.5% - 3.5% 1-3 Days ★★★☆☆
Mastercard Mastercard
KSh 100 KSh 500,000 Instant 2.5% - 3.5% 1-3 Days ★★★☆☆
Bitcoin Bitcoin
$10 $50,000 10-60 min Network fees Yes ★★☆☆☆
Ethereum Ethereum
$10 $50,000 5-30 min Gas fees Yes ★★☆☆☆
Skrill Skrill
$10 $20,000 Instant 1.45% + $0.50 Yes ★★★☆☆
Neteller Neteller
$10 $25,000 Instant 2.5% - 4.95% Yes ★★★☆☆

Step-by-Step Payment Guides

M-Pesa

How to Deposit with M-Pesa

1

Login to Your Betting Account

Log into your betting platform account and navigate to the deposit section.

2

Select M-Pesa

Choose M-Pesa from the list of available payment methods.

3

Enter Amount

Enter the amount you want to deposit (minimum KSh 50).

4

Confirm Transaction

You'll receive an M-Pesa prompt on your phone. Enter your M-Pesa PIN to confirm.

5

Funds Available

Your betting account will be credited instantly after successful payment.

M-Pesa Tips:

  • Ensure you have sufficient M-Pesa balance
  • Double-check the paybill number before confirming
  • Keep your transaction receipt for records
  • Contact support if funds don't reflect within 5 minutes
Airtel Money

How to Deposit with Airtel Money

1

Access Deposit Section

Login to your betting account and go to the deposit/cashier section.

2

Choose Airtel Money

Select Airtel Money from the available payment options.

3

Enter Deposit Amount

Input your desired deposit amount (minimum KSh 50).

4

Complete Payment

Follow the Airtel Money prompt and enter your PIN to authorize the transaction.

5

Confirmation

Receive confirmation SMS and see funds reflected in your betting account.

Airtel Money Tips:

  • Ensure your Airtel Money account is active
  • Check daily transaction limits
  • Verify the merchant code before payment
  • Save transaction ID for future reference
Visa Mastercard

How to Deposit with Bank Cards

1

Navigate to Deposit

Go to the deposit section of your betting platform.

2

Select Card Payment

Choose Visa, Mastercard, or general "Credit/Debit Card" option.

3

Enter Card Details

Input card number, expiry date, CVV, and cardholder name.

4

3D Secure Verification

Complete 3D Secure authentication through your bank's verification system.

5

Transaction Complete

Receive confirmation and see funds in your account instantly.

Bank Card Tips:

  • Ensure your card is enabled for online transactions
  • Check with your bank about international transaction fees
  • Use secure internet connection for card payments
  • Keep your card details confidential
Skrill Neteller

How to Deposit with Digital Wallets

1

Create Digital Wallet Account

Sign up for Skrill or Neteller account and complete the verification process with your documents.

2

Fund Your Wallet

Add money to your digital wallet using bank transfer, credit card, or other available methods.

3

Select Digital Wallet

Choose Skrill or Neteller from the deposit options on your betting platform.

4

Enter Login Details

Provide your digital wallet email and password to authorize the transaction.

5

Confirm Payment

Review the transaction details and confirm the deposit to complete the process.

Digital Wallet Tips:

  • Complete account verification for higher limits
  • Check exchange rates for international transactions
  • Keep your login credentials secure
  • Monitor transaction fees and limits
Bitcoin Ethereum Tether

How to Deposit with Cryptocurrency

1

Select Cryptocurrency

Choose your preferred cryptocurrency (Bitcoin, Ethereum, USDT) from the deposit options.

2

Get Deposit Address

The platform will generate a unique wallet address for your deposit.

3

Send Cryptocurrency

Use your crypto wallet to send the desired amount to the provided address.

4

Wait for Confirmations

Wait for blockchain confirmations (usually 1-6 confirmations depending on the crypto).

5

Funds Credited

Your account will be credited once the transaction is confirmed on the blockchain.

Cryptocurrency Tips:

  • Double-check the wallet address before sending
  • Consider network fees when choosing crypto
  • Use the correct network (e.g., ERC-20 for USDT)
  • Keep transaction hash for tracking

Payment Security & Safety

🔒

SSL Encryption

All payment transactions are protected with 256-bit SSL encryption to ensure your financial data remains secure.

🛡️

PCI Compliance

All platforms follow PCI DSS standards for secure handling of credit card information and payment processing.

🔐

Two-Factor Authentication

Enable 2FA on your accounts for an extra layer of security when making deposits and withdrawals.

📱

Mobile Security

M-Pesa and Airtel Money use PIN-based authentication and SMS confirmations for secure mobile transactions.

🏦

Licensed Operators

All recommended platforms are licensed and regulated, ensuring compliance with financial security standards.

⚡

Fraud Protection

Advanced fraud detection systems monitor transactions 24/7 to protect against unauthorized activities.

Payment Security Tips

✅ Always use official platform websites and apps
✅ Never share your M-Pesa PIN or card details
✅ Check for SSL certificates (https://) before payments
✅ Use secure internet connections for transactions
✅ Enable account notifications for all transactions
✅ Regularly monitor your account statements

Payment Methods FAQ

M-Pesa is the fastest payment method for deposits in Kenya, with transactions processed instantly. Airtel Money is also instant, while bank cards process immediately but may have bank-side delays. Cryptocurrency deposits take 5-60 minutes depending on network confirmations.

M-Pesa and Airtel Money typically charge KSh 0-30 depending on the amount. Bank cards charge 2.5-3.5% processing fees. Cryptocurrency has network fees that vary by congestion. Google Pay and Apple Pay usually have no fees for deposits.

Yes, most platforms allow withdrawals to the same method used for deposits. M-Pesa and Airtel Money support instant withdrawals. Bank card withdrawals take 1-3 business days. Cryptocurrency withdrawals are processed within hours once approved.

Most methods have a minimum deposit of KSh 50-100. Maximum limits vary: M-Pesa (KSh 300,000), Airtel Money (KSh 150,000), Bank cards (KSh 500,000), and Cryptocurrency (up to $50,000 equivalent). Limits may vary by platform and account verification level.

Yes, cryptocurrency payments are safe when using reputable platforms. They offer anonymity, high security through blockchain technology, and often lower fees. However, be aware of price volatility and ensure you're using the correct wallet address and network.

First, wait 5-10 minutes as some transactions may have slight delays. Check your payment confirmation (M-Pesa SMS, bank statement, or blockchain transaction). If funds still don't appear, contact customer support with your transaction reference number and payment details.