Kenya
Dirven Software serves Kenya institutions on M-Pesa Paybill and Till rails, under Central Bank of Kenya supervision.
Payment rails
M-Pesa Paybill and Till · PesaLink instant payments · KEPSS RTGS · ACH
Base currency
KES
Frameworks covered
Central Bank of Kenya · Capital Markets Authority · Office of the Data Protection Commissioner
Who we serve
CBK-licensed commercial banks, microfinance banks, payment service providers, and SACCOs under their own regulation.
What we supply
KYC/AML, exchange (CEX/DEX), treasury, reconciliation, settlement and an immutable audit trail.
What we are not
We are a software company. We hold no deposits, take no client funds, and provide no banking services in Kenya.
How payments actually work in Kenya
Kenya is the reference case for mobile money as primary infrastructure rather than a secondary channel. M-Pesa Paybill and Till flows are not a wrapper over a card rail; they have their own identifier model, their own confirmation semantics and their own dispute path. Any deployment genuinely serving Kenyan institutions has to treat the Paybill account and the Till as first-class instruments, model mobile-wallet settlement separately from bank settlement, and reconcile against a rail the institution does not operate.
Rails in scope
- M-Pesa Paybill and Till
- PesaLink instant payments
- KEPSS RTGS
- ACH
Regulatory obligations
The Banking Act and the National Payment System Act govern licensing, with CBK supervisory oversight. AML obligations follow the POCAMLA framework with mandatory customer due diligence, suspicious transaction reporting to the Financial Reporting Centre, and specific rules around agency banking and mobile money agents.
Supervisors and frameworks
- Central Bank of Kenya
- Capital Markets Authority
- Office of the Data Protection Commissioner
Data and privacy
The Data Protection Act 2019 is modelled on GDPR with registration duties for data controllers, explicit restrictions on cross-border transfer, and an active enforcement posture from the ODPC.
Kenya deployment questions
How is M-Pesa integrated?
As a native payment channel with Paybill account and Till identifiers modelled directly, not as a card-rail emulation.
Does the deployment hold customer funds?
No. Deposits sit with licensed partner institutions; the software holds no client funds.