Simple, straightforward I am happy with the service, my bank had delays I turned to HeptaPay and they delivered. For first time user expect some delays due to security and verification before payment.... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Simple and convenient, procceses are initiated and completed within a minutes for the first time but less than a minute for subsquent use
Company replied
Fast , convenient and trustable , in 3 mnts the money was with the receiver momo account in Rwanda , only the 1 star less for the rate it can be better
Company replied
I registerd with HeptaPay , I tried three times to send money to m pesa but it failed. I put the correct card details but it dont work. I wrote a e mail and get a answer on Sunday in less than two hou... See more
Company replied
Company details
- Mobile Money Agent
- also in
- Card processing service
- Currency exchange service
- Money order service
- Money transfer service
- Non-bank financial service
Written by the company
HeptaPay is an Online Agent for Mobile Money in East Africa. We allow customers to transfer money from their debit or credit cards into MTN MoMo, Airtel Money, and M-PESA in Kenya, Rwanda, Uganda, and the Democratic Republic of Congo (DRC). We also allow customers to pay businesses directly to their Safaricom M-PESA Buy Goods Till Numbers in Kenya, or MTN MoMo Pay Codes in Rwanda. A customer is not required to sign up with HeptaPay in order to transact. HeptaPay accepts payment via Visa, Mastercard, or American Express debit cards from anywhere in the world.
Contact info
Applewood Adams, Adams Arcade, Ngong Rd, 00200, Nairobi, Kenya
- +254114558252
- support@heptapay.com
- heptapay.com
4.1
Great
307 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 94% of negative reviews
Typically replies within 2 weeks
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Reply from HeptaPay
We appreciate your review, and we look forward to serving you better in future. Debit Card to Safaricom M-PESA transfers are on-time with HeptaPay for sure!
Great service
This was my first time using this service and I was pleasantly surprised by the speed and ease of use.
24 December 2025
Reply from HeptaPay
Colette, we thank you for trusting HeptaPay with your cross-border money transfer within Africa. We will keep the service easy and fast to use...just the way you like it!
Reply from HeptaPay
Thank you for choosing HeptaPay's MoMo Pay service to pay a business in Rwanda! We appreciate your patronage.
Where is your Location in Kenya
Where is your Location in Kenya, you are only talking about Kigali, we have heard that.
Kenya Location?
Building, Office Number and Street.
Because Most People that don't have a physical office are Scammers
11 December 2025
Unprompted review
Reply from HeptaPay
Dear BJ,
What is the HeptaPay transaction ID so that we may assist you?
Reply from HeptaPay
Dear Methode. Thank you for your review. First-time transactions on HeptaPay require some verification, but your future transacions will take 30 seconds or less!
This app is just for scamming…
This app is just for scamming people🚮🚮Jeremiah Kaguru scammed me 2557 Ksh.He just sent me 1 bob😭😭😭
4 December 2025
Unprompted review
Reply from HeptaPay
Dear Moses Wainaina,
As we mentioned to you via email, your transaction faced some technical difficulties, but these were later resolved and the order was completed successfully.
Fast and Reliable disbursment time..
27 November 2025
Reply from HeptaPay
We appreciate you taking the time to review our service.
So my revolut had a huge delay with…
So my revolut had a huge delay with transfering money to my Momo. Besides the rates being a bit off ( not by a lot, as they do what is promised), I received my money in like 10 minutes. It's great for emergencies, so I would recommend it.
26 November 2025
Reply from HeptaPay
Thank you for the recommendation. Indeed, once your card is approved, transactions on HeptaPay take 30 seconds or less. And with HeptaPay, there are no hidden fees and charges. What you see is what you get! We are working on getting you more competitive exchange rates soon. Thank you for choosing us.
The best platform ever used
The best platform ever used , instant funds and quick support service
Just awesome service
Thanks alot
24 November 2025
Reply from HeptaPay
We appreciate your vote of confidence in our service helping you transact seamlessly.
Their services are great,with amazing…
Their services are great,with amazing customer service.The only downplay is it takes more than the 3 hours indicated to process your funds
11 November 2025
Reply from HeptaPay
Hi Xara. Thank you for your review. First-time transactions take a little bit longer to process as we need to verify customer details. After that, it's 30 seconds or less! We hope you are enjoying faster transactions now.
Fast transactions,always reliable.
10 November 2025
Reply from HeptaPay
Hi Michael. Thank you for your review, and for your customer loyalty through the years.
It works
It works. Used my Rwandan number, paid with credit card and received the MoMo within a few minutes.
4 November 2025
Reply from HeptaPay
We appreciate you for taking the time to review us. We look forward to serving you again and again.
Quick and fast
31 October 2025
Reply from HeptaPay
Thank you for your kind review. HeptaPay is indeed quick and fast, processing transactions for regular customers in under 30 seconds after payment.
Though it took more than 5 hrs
Though it took more than 5 hrs. Looking ahead for more quicker transfers
24 October 2025
Reply from HeptaPay
Arpan, your first transaction took 2 hours, 25 minutes, and 21 seconds to be completed, within our 3-hour window for first-time transactions. Future transactions with the same card should take 30 seconds or less. Thank you for choosing HeptaPay.
Fastest Service ever experience
When I initiated the transfer/payment it hit my mobile with seconds less than 10 seconds the transaction was complete, and I was like what a hell is happening today? I was over excited 😆😆
27 October 2025
Reply from HeptaPay
Hi Bosco. We thank you for being our loyal customer in Rwanda through the years, and we appreciate your review. We are glad you were able to interact with our Uganda service and you loved it! We will keep striving to serve you better.
I'm a returning customer
I'm a returning customer, I gave a very good review the first time I used you, today I'm a disappointed returning customer,mostly with the customer service department, I made my transactions,took hours to reflect, I contacted customer service for help, they end up telling me my cards have issues, and not even giving enough information, they go ahead and tell me they will refund my transaction in 10 business days, money that was supposed to help someone at the hospital, I contacted them again they ignore me but I can see they are replying to a friend I had referred, worst experience
27 October 2025
Unprompted review
Reply from HeptaPay
Hi N. Miller. We are sorry for your experience. After reviewing your case, the delay was due to the use of multiple cards, which goes against our policy. Your refund was processed as advised. We appreciate your understanding and feedback.
Simple and convenient
Simple and convenient, procceses are initiated and completed within a minutes for the first time but less than a minute for subsquent use
16 October 2025
Reply from HeptaPay
We appreciate your review or our service and we look forward to serving you better.
I was confused how to reach the airport…
I was confused how to reach the airport without Kenyan shilling not even usd currency I only had my money on bank which was local but Heptapay changed everything at moment and I paid directly without exchanging the money but only using Heptapay I manage to pay my trip to the airport.
Thanks alit Heptapay you are bridging the gap in the African transaction
17 October 2025
Reply from HeptaPay
Joselyne, we thank you for sharing your story and your review! Your usecase is the embodiment of the challenge HeptaPay set out to solve: cross-border micropayments. We will strive to continue to make the service better so that you can travel anywhere in the African continent and not have to worry about payments.
Huge delay on transactions
I haven't received the money after transferring money from my card to mpesa. After complaining and sending several mails i receive a mail saying the transaction has been cancelled. I ask my bank they say that the website is holding the amount for 3 Weeks. Thats ticket money somebody was to travel what kind of inconvenience is this. Verrrry disappointed
18 October 2025
Unprompted review
Reply from HeptaPay
Dear Lewis, following your transaction, we promptly (with 20 minutes) informed you that due to technical difficulties, we would be unable to complete the transaction. Thereafter, we immediately released the hold on the funds that we had on your card which results in an immediate refund. We apologize for the inconvenience this situation has caused.
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