Turn every transaction into bankable credit.
VycePay is a Kenya-first wallet that lets SMEs and traders process daily payments from just 1.5% — while building a VyceScore that unlocks the working capital you need to grow.
Till · Mama Boutique
12 payments this week
Pre-qualified · 30-day
Stop spending into a void. Start earning credit.
Across Africa, ~$20B of creditworthy SME demand goes unserved because there's no record of the trade that's already happening. Every payment you make through cash or fragmented apps disappears. VycePay keeps the receipt — and turns it into leverage.
Activity that vanishes
- ✕8–10% lost to cross-border & fragmented exchange fees
- ✕3–5 day settlement delays choke cash flow
- ✕No formal transaction history → no bank will lend
- ✕SIM-locked money that can't cross a border
Activity that compounds
- ✓Fees capped at 1.5%, real-time local settlement
- ✓Every payment feeds your VyceScore automatically
- ✓A verifiable ledger that unlocks working capital
- ✓Border-agnostic @username payments, any currency
From sign-up to working capital — in three steps.
Built for a phone and a few minutes. No segmentation forms, no jargon. Just start transacting.
Join the pilot Karibu
Request access to the early Mombasa rollout. Selected users are onboarded in controlled batches so the experience stays fast and stable — everyone else joins a structured early-access waitlist.
Onboard in minutes Jisajili
Set up with your National ID and a quick biometric check. Identity-driven, not SIM-locked — so your wallet works across borders from day one.
Pay & unlock Lipa, kisha fungua mtaji
Process P2P and B2B payments with real-time settlement. Every transaction builds your VyceScore — and once you qualify, pre-approved working capital appears right in the app.
VyceScore: your business activity, scored.
Not a survey. Not a guess. VyceScore reads the trade you're already doing and turns it into a credit signal lenders can underwrite — so capital follows performance, not paperwork.
Transaction frequency & volume
Consistent, growing flow signals a healthy, active business.
Repayment behaviour
How reliably you clear micro-advances proves you manage debt well.
Cross-border activity
Steady remittance and trade inflow indicates a stable income base.
Ecosystem engagement
Using invoicing, ledgers and QR deepens trust and lifts your score.
Payments fund the engine. Credit scales the profit. The network builds the moat.
Two users. One compounding network.
The Mombasa pilot pairs growth-stage merchants with the everyday customers who keep them busy — so volume, data and credit reinforce each other.
Growth-stage businesses
Mini-marts, pharmacies, salons, electronics shops and small wholesalers turning over 100K–300K KES a month — already busy, but locked out of formal credit.
Everyday urban payers
Mombasa residents aged 20–40 who transact daily with local businesses, feel short-term liquidity gaps, and are comfortable with QR and wallet payments.
A wallet that works the way Kenya pays.
Fees that don't bite
Capped processing versus the 8–10% traders lose to fragmented exchange systems. Small transfers stay free.
Border-agnostic by design
One @username, any currency, no SIM-lock. Pay and get paid across borders the moment you land.
Real-time settlement
Money moves in seconds, not 3–5 days — settled through a regulated banking partner.
Every Kenyan rail, one app
M-PESA, Airtel, Buy Goods, Paybill+Account and Pesalink — with USSD and WhatsApp fallback when signal drops.
Your data builds your credit
The transaction history you generate is yours — a verifiable identity that follows you to every lender.
Regulated & local-first
CBK-aligned e-money, Choice Bank settlement, and data handled under Kenya's Data Protection Act.
Join the Mombasa pilot.
Be among the first SMEs and traders turning everyday payments into credit. Pilot places are released in batches — register now and we'll route you to onboarding or the early-access waitlist.
Takes 2 minutes · National ID required at onboarding · No spam, ever.