kipa.
Developer docs

Getting started

How to use Kipa

Everything from signing up to your first real payment, in plain English. Most people are collecting money within an afternoon.

Kipa feature tour (30s) — what Kipa offers and the six steps to your first payment.No sound needed — every step is on screen.

  1. 1. Create your account

    Sign up with your email. You land straight in test mode, where you can try everything without moving real money.

    Sign up

  2. 2. Finish onboarding

    Add your business details, verify the owner's ID, and tell us which bank account should receive your money. Five short steps.

    Open onboarding

  3. 3. Put payments on your website

    Choose a pay button, an embedded checkout or a hosted link, fill in the price, and paste the generated snippet into your site.

    Generate a snippet

  4. 4. Or just share a link

    No website? Create a checkout link and send it on WhatsApp, in an invoice or from your bio. Buyers see the payment methods used in their own country.

    Create a link

  5. 5. Watch the money arrive

    Every attempt shows up in Transactions with the customer, method, fee and status. Search or filter to find any payment in seconds.

    View transactions

  6. 6. Automate your fulfilment

    Point a webhook at your server so orders ship, subscriptions unlock and receipts send themselves. Always verify the signature before you act.

    Set up webhooks

  7. 7. Go live

    Once onboarding is approved, swap your test key for your live key and update the snippet on your site. That's it — you're taking real payments.

    Manage keys

Common questions

Do I need a developer?

No. Checkout links need zero code, and the pay button is one copy-paste. Developers get a full API and SDKs if you want deeper control.

How do buyers pay?

Kipa detects the buyer's country and shows the methods they actually use — M-Pesa in Kenya, UPI in India, Pix in Brazil, iDEAL in the Netherlands — plus cards and wallets everywhere. Buyers can override the country at checkout.

Which currency do I get paid in?

You pick your settlement currency. Buyers see prices converted to their local currency, and you can switch the display currency any time from the header.

When does money reach my bank?

Settlements run on your chosen schedule — daily is the default once onboarding is approved. Test-mode payments never settle; they're for practice.

Is test mode safe?

Yes. Test keys can't touch real cards or wallets. Use them until your site behaves exactly the way you want.

Ready to try it?

Create a free account, stay in test mode as long as you like, and only go live when everything works.

Create an accountRead the developer docs