If your business isn’t running on Cashia yet, you’re probably losing sales to these innocent-sounding words: “Do you take card?”
A friend who sells leather bags on Instagram lost a KES 18,000 order last month for exactly this reason. The buyer was a Kenyan in London trying to gift her mum – card in hand, no MPESA , no way to pay. Sale gone!
That’s the story behind almost every abandoned cart in Kenya right now. The customer is ready. The money is there. The checkout just can’t receive it. The fix used to mean wrestling with the Daraja API and begging a bank for a merchant account. With Cashia, it’s a 10-minute signup and by the end of this article, you’ll know exactly how to do it.
Who You’re Turning Away Without Realising It
M-Pesa is the heartbeat of Kenyan commerce. Nobody’s arguing that. But “M-Pesa only” is quietly filtering out your most valuable buyers:
The premium local buyer. Your tech-savvy professional who pays by Visa or Mastercard because that’s where their reward points and credit line live. They’re not switching to mobile money for you, they’re switching to your competitor.
The diaspora. Millions of Kenyans abroad buying gifts, booking experiences, and support their families. They have a card in their wallet, not an active Safaricom SIM.
The tourist. If you sell crafts, safaris, or digital services, international buyers expect a normal, secure card checkout. “DM us for payment details” reads like a scam to them.
Every one of these is a high-value sale walking out the door at the exact moment they decided to pay you. That’s the most expensive place in your funnel to lose someone.
How to Set Up Cashia for Your Business (4 Steps, Under 10 Minutes)
No developer. No code. Here’s the whole process:
1. Create your account
Go to the Cashia business sign-up portal and register with your basic business details. Genuinely under ten minutes.
2. Verify your business
Upload your registration documents for KYC. Approval usually lands within 24 hours just make sure your documents are clear and accurate so nothing stalls.
3. Pick your payment tools and settlement
Choose what matches how you sell or stack all three:
- Cashia Checkout– for your e-commerce website. Customers get one secure checkout that takes both cards and M-Pesa, with zero development on your end.
- Cashia Payment Links – for selling on Instagram, WhatsApp, or Facebook. Create a secure link in seconds, set the amount, reuse it as often as you like, and drop it straight in the DMs.
- Cashia Scan-to-Pay– for your physical counter. One QR code replaces the juggling act of multiple Till and Paybill numbers. Customers scan, pay, done!
This is also where you set how you get paid: funds can sit in your Cashia wallet in real time, or sweep to your bank in about two days. And since you can move wallet money to M-Pesa or your bank anytime, you can match settlement to your actual cash flow, not the other way around.
4. Go live after notification of KYC success (and test it first)
Send yourself a small test payment, KES 10 is enough, to confirm the M-Pesa STK prompt fires and the card flow runs clean. Then update your bio links, tell your customers, and let it run.
Download the Cashia app (Google Play or App Store) to track payments and manage your wallet from your phone. If anything snags, support is on WhatsApp or a direct call away at 0709 200 900.
What You Actually Get
Every payment, card or M-Pesa, local or international, lands in one dashboard. Filter by date, track settlements, export records for your accountant in a click. No more reconciling three different statements at month-end.
Plus three things legacy setups can’t give you in one package:
- Instant STK Push – no typed numbers, no wrong-digit errors, payment done in seconds
- Global card acceptance– Visa and Mastercard from anywhere, without the banking gauntlet
- Bank-grade security– fraud protection that shields you from chargebacks and scam transactions
Stop Leaving Money on the Table
You’ve spent real money getting customers to your checkout. Your products earned the click. The only thing standing between you and the sale shouldn’t be how someone wants to pay.
Give your buyers the freedom to pay their way with a quick M-Pesa PIN or global card, their choice. Sign up for Cashia today and turn the question “do you take card?” into your easiest “yes.”
