Can one website accept both M-Pesa and Stripe?

Yes. A custom checkout can offer each customer the right method for their country and confirm every payment on the server.

Does Shopify support M-Pesa or MonCash?

Only through third-party apps where available, with limits. A custom store gives full control over mobile money flows.

How long does it take to add a payment provider?

Typically one to two weeks per provider on a custom build, including testing and receipts.

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Payments guide

Accept M-Pesa, Paystack, Stripe and MonCash on one website

Updated October 27, 2026 · 6 min read · Kreye Studio

If your customers are in several countries, one card checkout will lose sales. People pay the way they're used to: cards and Apple Pay in North America and Europe, mobile money in East Africa and Haiti, local cards and bank transfers in West Africa. Here is how to offer the right options without a confusing checkout.

Which provider, where

United States, Canada, Europe, UK: Stripe for cards, Apple Pay and Google Pay.
Nigeria and Ghana: Paystack or Flutterwave for local cards, bank transfer and USSD.
Kenya, Tanzania, Mozambique: M-Pesa, directly or through an aggregator.
Haiti: MonCash for mobile money, plus cards through an international processor.
Everywhere else: Stripe or Flutterwave cover most countries; add bank transfer instructions as a fallback.

How the checkout should behave

Show the customer the methods that work in their country first, priced in their currency where possible, and keep everything else one tap away. Confirm payment on the server (never trust the browser), send a receipt by email and WhatsApp, and make sure a payment that arrives late (mobile money can take minutes) still completes the order automatically.

What it takes to build

Each provider needs an account, keys, webhooks and testing. Plan one to two weeks of work per provider on a custom store, plus currency and tax rules. ChegouMZ, a marketplace we built for shoppers in Mozambique, takes payment in Meticais through M-Pesa with tracked delivery.

Questions people ask

Can one website accept both M-Pesa and Stripe?: Yes. A custom checkout can offer each customer the right method for their country and confirm every payment on the server.
Does Shopify support M-Pesa or MonCash?: Only through third-party apps where available, with limits. A custom store gives full control over mobile money flows.
How long does it take to add a payment provider?: Typically one to two weeks per provider on a custom build, including testing and receipts.