For merchants · East Africa

Accept from
any rail.
Settle anywhere.

One Sharet wallet for every payment that lands in your business — M-PESA, MTN, Airtel, cards, and bank transfers. Your customers pay however they want. You see one balance, one dashboard, and settle externally on demand. Onboarding takes a day.

Onboard your business See rates
1 day · onboarding 0% · internal transfer fee 1 · dashboard for all rails
A Nairobi merchant accepting a mobile money payment at their shop — customer pays from M-PESA, funds land in the merchant's Sharet wallet.
Merchant NAIROBI · KILIMANI
M-PESA · MTN · AIRTEL · CARD · BANK
1day
From signup to first payment
6+
Rails you can accept from
0%
Fee on internal movement
1
Dashboard for all rails
What you get

Everything your
business needs
to get paid.

You do not have to integrate rail by rail, chase telco contracts, or reconcile across multiple portals. Sharet gives you one wallet, one dashboard, and one settlement process — for every rail your customers use.

01 / Accept

Every rail into
one wallet.

Your customers pay however they want — M-PESA, MTN MoMo, Airtel, Vodacom, cards, or bank transfer. Every payment lands in your Sharet wallet as one balance, in one currency view.

M-PESA · MTN · Airtel · Vodacom · Card · Bank
02 / Settle

Withdraw on
your terms.

Move funds to M-PESA, bank, or any other rail when you need to — or hold them inside Sharet and pay suppliers, staff, or partners for free.

03 / Reconcile

One dashboard,
one truth.

Every transaction, every rail, every day — reconciled in one place. Export to your accounting stack. No spreadsheets across portals.

A merchant dashboard showing transactions from multiple rails in one view.
04 / Merchant tools

Built for operators.

Multi-user access, roles, refunds, partial payments, and QR codes for in-person checkout — all included at no extra cost.

05 / Pay out

Pay suppliers,
staff, partners.

Send to any Sharet user for free. Send to M-PESA, MTN, Airtel, or bank for a small external fee.

06 / Grow

Cross-border
ready.

Accept from customers across East Africa. Settle locally in KES, TZS, or UGX. Expand market by market without re-integrating.

07 / For platforms

Multi-merchant
under one account.

Marketplaces, event operators, and platforms can onboard many merchants under one Sharet account, with individual wallets, unified settlement, and programmatic payouts via API.

Marketplaces · events · SACCOs · payroll · franchising
How it works

From signup
to settled
in one day.

Onboarding is deliberately simple. You sign up, verify your business, and get a Sharet wallet, a merchant ID, and a QR code. Your customers pay into your wallet however they pay today. You settle externally whenever you need to.

  • Step 01Sign up · business name, KYC, contact details
  • Step 02Verification · typically within a working day
  • Step 03Wallet live · merchant ID + QR code issued
  • Step 04Accept payments · from any supported rail
  • Step 05Settle externally · to M-PESA, bank, or another rail
  • Step 06Reconcile · one dashboard, exportable reports
Start onboarding
A merchant checking their Sharet wallet balance — one number covering every rail. One balance · all rails
Merchant rates · 2026

Simple pricing.
No surprises.

Every merchant sees the same rate card. No negotiated side deals. No volume games. You pay for external movement and settlement — nothing else.

  • Sharet → SharetFREE · internal transfers across any Sharet wallet
  • Receive from M-PESAStandard M-PESA collection rate · no Sharet markup
  • Receive from MTN · AirtelStandard rail collection rate · no Sharet markup
  • Receive from cardStandard processing rate · small Sharet fee
  • Receive from bankStandard bank settlement rate · no Sharet markup
  • Withdraw to M-PESAStandard payout rate · small Sharet fee
  • Withdraw to bankStandard settlement rate · small Sharet fee
  • PayBill / TillStandard rail rate · small Sharet fee
  • Multi-merchant platformFrom $250/month · unlimited merchants · full API

Full rate card on request · all fees in local currency · all settlements reconciled daily.

Built for

Who uses Sharet
for merchants.

Any business that receives money from customers on more than one rail — or wants to pay suppliers, staff, or partners across rails — fits naturally on Sharet.

01

Retail &
hospitality.

Shops, restaurants, hotels, and service businesses accepting from any rail.

02

Events &
ticketing.

Concert, festival, and conference operators needing cashless payment rails.

03

Marketplaces.

Online and offline marketplaces managing many merchants under one platform.

04

Multi-branch
businesses.

Retail chains, franchise networks, and multi-location businesses.

05

Logistics &
transport.

Fleet operators, delivery platforms, and transport businesses paying drivers.

06

B2B suppliers.

Businesses paying suppliers across East Africa and settling externally.

Onboard as a merchant

Start in
one working day.

Tell us about your business and we will get you set up. Verification typically happens within one working day.

By submitting, you agree we will reply to the email above. No newsletter signup. No third-party sharing.
Get started · 2026

Every rail.
One wallet.
One dashboard.

Stop chasing payment integrations rail by rail. Start accepting from everyone — and settle wherever your business needs to be.

Onboard now See the infrastructure