Payment Services

Domestic Money Order [As good as cash but 100% safer]
Money transfer service which serves the institutions segment and the larger Public. To use this service, the sender fills and presents the form and cash to the teller who in turn issues him/her with a receipt and an order to be mailed to the payee by the sender. The payee presents the order and identification documents to the paying office/ bank for payment.

Institutional Money Order
The institutional money order is a service specially designed for schools and colleges for payment of school fees. The customers who use this service benefit from special low rates.

This is a centralized electronic payment platform that provides for real time transactions with same day settlement.
It provides for a secure  extension of the payment network by adding new payment methods and providers easily, without enormous integration costs.
Customers are able to access the following services at our postal outlets:

1.Agency Banking

  •     Balance Inquiry
  •     Mini-Statement
  •     Cash Withdrawals
  •     Cash Deposit.
2.Utility Payments


Currently our Posta Pesa partners are: 
  •  Coop Bank
  •   National Bank
  •   Kenya Commercial Bank.
Become our Partner and have access to the following benefits:

  • Increased revenue – Offer your services to a large section of untapped customers.
  • Personalized Services – Services can be onboarded on the platform based on your unique requirements for digital payments.
  • Ready to Market- Have access to our postal outlets distributed in various parts of the country.
  • Efficiency – Optimize cash management and effectively manage your agent network.
  • Reduce Costs – The platform lowers costs of integration, customer fees and offers branchless banking.
  • Real Time Transactions & Same Day Settlement – Customers can complete transactions in real time.

This is an Electronic Funds Transfer service that offers PCK customers the opportunity to send and receive money instantly from various locations both locally and internationally.

Posta pay enables one to send or receive cash in less than five minutes through our wide network of Post Offices. It can also be used to collect and disburse loans for the customers’ convenience with the information being available for viewing real time. Customers can pick their loans at their convenient location.


  • Ease of Use-It is easy to send and receive cash through Postapay. One needs to fill and hand over a form to the teller who gives the sender a unique transaction number. The recipient in turn presents this number and his/ her identification number for payment in any Postapay outlet country wide.
  • Accessibility -Postapay outlets are strategically placed countrywide, this eliminates distance travels. Customers can also send and receive money locally and internationally.
  • Affordability-Postapay tariffs are affordable. For speed, the recipient is guaranteed money within minutes on the presentation of the unique transaction number provided by the sender and identification document.
  • Convenience-Postapay outlets operate long hours. (Details on hours of operation are available in every post office)

Secure- PCK has put a secure system in place to provide confidentiality in the transmission of information. This ensures that money sent is paid to the intended recipient.


Postal Corporation of Kenya has a network of over 500 offices that can offer Agency services. Over half of these outlets have been automated.

Agency Services are offered by the Postal Corporation of Kenya as Third Party Payments. This is where the Corporation stands in as an agent of a Principal to either pay dues to the principals’ customers or to collect dues on behalf of the principal. These include Payment of dues e.g. salaries, dividends, bonuses, Collection of dues e.g. Insurance payments, bills and other payments, issuing of forms for colleges and other institutions and management of promotions and distribution of cash prizes and merchandise .

A)Payment of Dues / Salaries (Out Payments)

In the payment of dues, PCK works with a principal to ensure their customers or staff are paid the dues efficiently, on time and conveniently.

The Principal and the Corporation agree on the modalities of what is to paid either dividends, loans and also registration of new members.

A Principal provides a file bearing the names of the beneficiaries to be paid, national identification numbers, amount to be paid and Location to be paid.
(Payment location is flexible and can be changed on request from the principal). This is sent in an encrypted format for security purposes. PCK decrypts the file and generates transaction numbers which are unique and encrypts the file again to be sent back to the principal. The Principal then gives the transaction numbers to the customers and advises them to go pick their loans (or any other payment) from the respective post offices.
Information is availed to the principal on real time basis thus making reconciliation easy. The principal informs PCK on the time frame they would need the payments to be availed in the PCK system, after the elapse of that time, the payment is removed from the system and a refund is made to the principal or the funds can be used in the next cycle of payment.
The commission is normally borne by the principal or the customer.

B) Collection of dues (In payments)

For collection of dues, the Corporation works with the principal to ensure their customers have a convenient outlet to pay dues such as utility bills and insurance payments.
The Corporation and the Principal will agree on the business to be offered, i.e. what is to be paid, the area in which the business is to be conducted.

For cash collections, the customer walks into the post office with the amount of money to be paid in, fills in the send/receive form (optional) produces the national identification card to the teller manning the counter. The information is availed to the principal in real time for reconciliation purposes.
The principal must provide and account to PCK where the collected money is to be deposited to.

C) Utility Bills

The Corporation also undertakes the collection of utility bills including telephone bills, water, Television subscription fees, and electricity bills at no extra cost to the customer.

D)Telecommunication Services

PCK is also in partnership with Safaricom Limited, Mobikash and Airtel Money for money transfer. Customers walk in the post office and can buy float, send and withdraw money. Customers are advantaged to transact in a safe place with no problem of lack of float.

Benefits:•Trained staff to handle the business nationally.
•A national network with physical offices that have an online network.
•Easy reach for customers
•A partner committed to touching lives


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