Send Money to Kenya with Apple Pay – Safe & Easy in 2025

Apple Pay is a leading digital payment system, offering Apple device users—such as iPhone and Apple Watch owners—a fast and secure way to complete payments. With the growing adoption of this technology worldwide, many people wonder whether it can be used to send money to Kenya in 2025. Can this service facilitate cross-border transfers, and how can a platform like TOWB help simplify the process?

In this article, we provide a detailed guide on sending money to Kenya via Apple Pay, explore the challenges users may face, and explain how TOWB provides innovative solutions that make transfers seamless, secure, and efficient—even when Apple Pay is not directly supported in Kenya.

Why Apple Pay Is Not Directly Supported in Kenya (Mid-2025)

As of mid-2025, Apple Pay is not officially supported in Kenya. This means that users in Kenya cannot link their local bank accounts to Apple Pay or use it to make payments or receive money within the local market.

Key Reasons for Limited Apple Pay Support in Kenya

1. Regulatory Restrictions
   To launch Apple Pay in Kenya, Apple must establish agreements with local banks and coordinate with regulatory authorities. These legal and compliance requirements take time, and Apple has not yet completed these steps, delaying the availability of the service.
    

2. Local Payment Infrastructure
   Kenya heavily relies on mobile payment systems such as M-Pesa, which are deeply integrated into daily life for money transfers, bill payments, and retail purchases. The dominance of M-Pesa creates a barrier for Apple Pay to penetrate the local market.
    

3. Partnership with Local Banks
   Apple Pay’s activation requires collaboration with multiple banks in Kenya to ensure compliance with local banking systems and regulations. Aligning Apple Pay with these requirements takes time, further delaying its adoption.
    

Despite global advancements in digital payments, Apple Pay remains unsupported directly in Kenya due to regulatory constraints, local payment system dominance, and required banking partnerships.

How TOWB Enables Digital Payments to Kenya

Even though Apple Pay is not directly available in Kenya, TOWB allows users in supported countries to fund transfers to Kenya using Apple Pay. The platform then ensures that recipients in Kenya receive the money securely via trusted local channels like M-Pesa or local bank accounts.

Step 1: Fund Transfers Using Apple Pay

Users in countries where Apple Pay is supported can use it to fund their transfers on TOWB. The platform processes the transaction efficiently, ensuring that funds reach recipients quickly and safely.
 

Step 2: Convert Funds to Local Currency

TOWB converts the transferred funds into Kenyan Shillings (KES), ensuring that recipients receive money in the local currency and avoid unnecessary conversion steps.
 

Step 3: Local Disbursement Options

Recipients in Kenya can access their funds through:

• M-Pesa mobile wallets

• Local bank accounts (e.g., KCB, Equity Bank)

• Cash pickup from authorized TOWB locations
   

This system allows users to benefit from Apple Pay’s convenience while ensuring that recipients in Kenya can access the money in their local currency safely and efficiently.

Benefits of Using Apple Pay with TOWB for Transfers to Kenya

Conclusion: sending money to Kenya with Apple Pay

In 2025, although Apple Pay is not directly supported for receiving payments in Kenya, it can still be used to fund international transfers via TOWB. The funds are delivered to recipients in Kenya through local channels such as M-Pesa, bank accounts, or authorized cash pickup points.

TOWB simplifies the process, ensuring safe and efficient money transfers with Apple Pay, even where direct support is unavailable.

 Need Assistance? Contact TOWB Today!
For more information on sending money to Kenya using Apple Pay or exploring alternative Transfer methods, TOWB’s support team is available to guide you. Get the safest, fastest, and most reliable cross-border Transfer experience anywhere in the world.

TOWB: Reliable, Fast, and Secure Global Money Transfers.