← Embedded Finance Index 2026

SasaPay

“Can a CBK-licensed mobile money PSP become the interoperable payment infrastructure layer connecting all MNOs, banks, and merchants in East Africa?”

Founded2018
HQNairobi, Kenya
FoundersDennis Githui
IndustryFintech / Mobile Money & Payments

The story

Founded in 2018 as Viewtech Limited, the company built SasaPay as a CBK-licensed mobile money e-wallet targeting the Kenyan mass market. After receiving its PSP licence in October 2021, SasaPay expanded from a consumer wallet to a full-stack payment gateway serving merchants, agents, and developers via open APIs. The platform now positions itself as infrastructure-layer fintech — powering other fintechs, merchants, and financial institutions with interoperable mobile-money rails across Kenya, with early expansion into Tanzania.

Last 12 months

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Product timeline

2018

Viewtech Limited founded to develop mobile money and payment infrastructure in Kenya.· pivot

2021

Central Bank of Kenya granted Viewtech Limited authorisation to conduct payment services; SasaPay mobile money e-wallet launched commercially.· banking

2021

Launched USSD channel (*626#) and mobile app (Android and iOS) for wallet access, alongside web portal and open API.· banking

2022

Expanded interoperability to cover major Kenyan banks (Equity Bank, Stanbic, Orient) and MNOs (Airtel), and introduced PesaLink connectivity.· banking

2023

Opened developer portal and sandbox (docs.sasapay.app / sandbox.skoinapp.net) for third-party C2B and B2C API integrations.· banking

Regulated entities

regulatory licence held by SasaPay

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

Same company

SasaPay was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.

Safaricom3 layers →Lami Technologies0 layers →

The stack

2 layers disclosed in SasaPay’s embedded-finance stack

Payments / PSP

SasaPay (self-operated)

Lending

in the full report

Accounting gap: significant

2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

SasaPay — frequently asked

Who is SasaPay's payment processor?

SasaPay processes payments through SasaPay (self-operated).

What is SasaPay's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in SasaPay's stack: Payments / PSP (SasaPay (self-operated)); Lending (Lending enablement and Online loan applications).

Who founded SasaPay?

SasaPay was founded by Dennis Githui and is founded in 2018, headquartered in Nairobi, Kenya.

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