Make your first payment

Your first transfer on Kit Pay takes less time than reading this page, but it is worth reading once — the habits you build on payment one will protect you on payment one thousand.

Before you send

You will need money in your wallet and the other person on Kit Pay. If your wallet is empty, ask a friend on Kit Pay to send you a small amount first — ways to add money from banks and mobile money are switching on in stages, and the app announces each one when it is ready for your account.

Sending, step by step

1. Choose the person — from your contacts, or by entering their phone number.
2. Enter the amount in shillings, and add a note if you want the payment to explain itself later.
3. Stop at the review screen. Check the name, the number, and the amount. This is the moment mistakes are cheapest.
4. Approve the payment with your wallet PIN or supported device security. The approval is tied to this exact payment.
5. Watch it confirm. The app tells you when the transfer completes, and the payment is recorded in both histories.

What that approval step means

Kit Pay never moves your money on a whim. Sensitive money actions require approval tied to what you are doing, using your wallet PIN or supported device security — so a pocket-dial, a curious child, or a snatched unlocked phone still faces the approval step before anything moves. It is a strong barrier, not a replacement for the basics: keep the phone locked and the PIN private too.

After it is sent

The completed payment lands in your wallet history as a new ledger entry — the record grows rather than being rewritten. A completed transfer is a completed transfer — Kit Pay cannot pull money back out of someone else's wallet — which is why the review screen matters so much. If something looks wrong afterwards, what to do about a payment problem explains your options honestly.