Walk in.
Tap.
Paid.
Terminal-less proximity payments for Kenyan merchants.
Your phone identifies the merchant for you. No till number. No QR code. No NFC. Just identify, tap and pay.
DEVICE
PHONE
See the payment happen.
Watch how BlinknPay identifies a merchant and enables payment.
M-Pesa solved moving money.
It didn't solve the checkout moment.
Say goodbye to agonizing 15-step USSD menus, long till and paybill numbers, and manual errors. BlinknPay replaces checkout friction with instant proximity recognition—just identify, tap, and pay.
Wrong paybill till numbers,simple payment turns to a headache and high cognitive load
One mistyped digit and money goes to the wrong merchant.
Checkout friction
Extra steps during payment mean customers abandon transactions.
Expensive hardware for micro-merchants and small businesses
Traditional terminals cost $80–200. Too much for micro-merchants.
QR dependency
Dirty, torn QR codes in matatus, poor lighting, and a one-to-one bottleneck where multiple customers cannot scan the same code simultaneously.
The Real Difference
See how BlinknPay transforms the merchant payment experience.
Traditional Till
Customer: "Where and how do I pay,paybill,Buy Goods or Pochi or Bank ?"
Merchant: "Enter till #8394333333... No wait, it's 834933..."
Customer: "Let me try again,I cannot see the numbers clearly it is to long... Did it work,is it the right number?"
Result: Transaction fails. Everyone frustrated.
With BlinknPay
Customer: Walks into shop.
App: Merchant automatically identified via BlinknPay Quantum Signal.
Customer: Taps "Pay" button. Done.
✓ Transaction complete in 3–5 seconds and everyone is happy.
| Metric | Traditional | BlinknPay |
|---|---|---|
| Checkout Speed | 45–90 seconds | 3–5 seconds |
| Customer Steps | 5+ taps/inputs | 1 tap in app |
| Error Rate | ~2% (wrong till) | <0.1% (encrypted) |
| Merchant Setup | Install POS machine | Already have phone |
So we made the till
identify itself.
Merchant Device
Broadcasts merchant identity
Signal transmitted
Customer Phone
Detects and confirms
Mama Kim General Store
Tap to Pay
PAID
The Acoustic and Quantum Handshake
See how your phone communicates silently with the merchant's—no scanning, no USSD and long menus, no friction.
How It Works
- 1. Chirp Preamble: Your phone sends a frequency sweep (chirp) that the merchant's device recognizes instantly.
- 2. Authentication: Devices exchange encrypted and rotated tokens via RPID quantum signal. Nothing like long paybill numbers.
- 3. Payment: Your app approves the transaction. Done in under 100ms.
How BlinknPay works.
A five-step flow that happens in seconds.
Register
Merchant links their M-Pesa till. BlinknPay device is configured.
Key detail
Full merchant control. BlinknPay does not access the till.
No long till numbers to remember
No 15 steps just to make a simple payment
No visual search of QR codes to scan
No NFC requirements
Just identify, tap, and pay.
The entire payment flow happens seamlessly with proximity detection and your M-Pesa wallet.
Payments shouldn't require expensive hardware.
Traditional terminals have barriers to entry. BlinknPay removes them.
Traditional
POS Terminal
Cost estimate
$80–200
BlinknPay
Proximity Device
In components
~$1
Lower hardware cost means more merchants can offer digital payments. That expands the entire ecosystem.
Why BlinknPay
Three principles that define our approach.
SIMPLER
No manual till entry. The merchant device broadcasts, the customer phone listens. That's it.
KEY PRINCIPLE
MORE ACCESSIBLE
Designed around smartphones merchants and customers already have. No new hardware constraints.
KEY PRINCIPLE
LOWER COST
A dramatically lower hardware cost than traditional payment terminals puts digital payments within reach.
KEY PRINCIPLE
M-Pesa built the rail.
We are building the interface.
BlinknPay sits above the existing M-Pesa infrastructure as the missing interface layer. We solve the merchant identification problem at checkout.
Has M-Pesa account
Merchant Identification
Proximity detection
Existing payment rail
Receives payment
BlinknPay never touches customer funds.
Funds move customer-to-merchant only.
We are not issuing e-money or wallets.
Security You Can Trust
Built from the ground up with merchant and customer protection at its core.
End-to-End Encryption
All acoustic transmissions are encrypted. No eavesdropping possible—even if someone records the ultrasonic signal.
Chargeback Protection
Customer authentication is verified via encrypted acoustic handshake. Disputes are resolved with cryptographic proof.
Fraud Detection
Real-time transaction monitoring flags suspicious patterns. Machine learning detects and blocks anomalies instantly.
Compliance Ready
Built for Kenya's payment regulations. Full audit trails, KYC/AML integration, and regulatory reporting built in.
Pilot Program Results
Transaction Success Rate
Pilot: 8,247 transactions
Fraud Incidents
Zero chargebacks or disputes
Encryption Coverage
Every transaction protected
Common Security Questions
Can the payment be intercepted?▼
No. All acoustic data is encrypted end-to-end. Recording the ultrasonic signal gives attackers nothing—the encryption keys are exchanged securely and unique per transaction.
What if someone disputes a payment?▼
Every transaction has cryptographic proof of authentication. The acoustic handshake + customer app signature makes disputes rare. When they happen, we have irrefutable evidence.
Is BlinknPay regulated in Kenya?▼
Yes. We're working with Kenya's Central Bank and operate under the Payment Systems Act. Full KYC/AML compliance, audit trails, and regulatory reporting are built in.
Built for how Kenya actually pays.
Starting with Nairobi. Building toward everywhere Kenya's merchants need simpler checkout.
Nairobi
Nairobi First
Starting where Kenya's market opportunity is most dense
Campus Pilot
University of Nairobi merchants as early test partners
Kenya-Built
Product built around Kenyan merchant reality
Your Time. Your Money.
See exactly how much you could save with BlinknPay.
~7 per hour
Per hour
≈ 1.9 hours
At your current rate
That's your time back.
Ready to reclaim your time and increase your efficiency?
Starting with a
measurable pilot.
We test carefully before we scale.
Tills
Venues
Transactions
Days
University of Nairobi Campus
Our initial pilot focuses on campus merchants at the University of Nairobi. We're testing the core product with real merchants handling real transactions. This is where we validate our technical assumptions and gather merchant feedback before expanding.
Validate Product
Test core functionality with real merchants
Gather Data
Measure adoption, transaction patterns
Prepare for Scale
Build toward broader deployment
The payment layer that reaches the merchants
terminals can't.
M-Pesa built the rail.
We're building the interface.
BLINKNPAY
Walk in. Tap. Paid.
Join the pilot or talk to our team
Questions? We've Got Answers.
Everything you need to know before joining the pilot.
Still have questions?
Email us