Using SMPLY PAY

Registration & login

1. Register with your email and a password (at least 8 characters) on the registration page.
2. Verify your email — we send a verification link to the address you registered with. You can't log in until you click it.
3. Log in with your email and password, then enter a one-time code we email you — every login requires this second step, even after your password is correct. This is deliberate: a stolen password alone still can't get into your account.

If you don't receive a verification or login code email, check your spam folder before trying again — resending a link/code always works, and repeatedly retrying doesn't lock you out (though it is rate-limited to stop abuse if it happens far too many times in a row).

Creating & sharing wallets

A wallet can hold a balance in Kenyan shillings (KES) and any combination of five crypto networks — Ethereum, Polygon, Celo, Optimism, and Solana — all at once, tracked separately. You can create more than one wallet if you want to keep balances separate (personal vs. a side project, say).

Sharing access with others

You can add another registered user to your wallet at one of two access levels:

• View — can see the wallet's balances and transaction history, and can deposit into it, but cannot withdraw, convert, or remove members.
• Manage — everything View can do, plus withdrawing, converting, and adding/removing other members. The wallet's creator always has Manage access and can't be removed.

Add a member from the wallet's own page by their email address — they need an existing, verified SMPLY PAY account.

Depositing

KES via M-Pesa

Two ways to add Kenyan shillings:

• STK push — enter your phone number and amount on the wallet page; you'll get an M-Pesa prompt on your phone to enter your PIN and confirm.
• Paybill — every wallet has its own unique account number under one fixed business Paybill number, shown on the wallet page. Pay in directly from your M-Pesa menu at any time, no app needed.

Both credit your wallet automatically, usually within moments of M-Pesa confirming the payment.

Crypto

Each wallet has its own address on every supported network, shown on the wallet page. Send crypto directly to the address for the network you're using — a deposit credits your wallet automatically once it reaches enough network confirmations (this varies by network, roughly from a couple of minutes on faster networks to somewhat longer on Ethereum and Polygon specifically, since they wait for more confirmations to guard against the transaction being reversed).

Withdrawing & fees

Requesting a withdrawal is a two-step process:

1. Choose an amount and a destination (an M-Pesa phone number/Paybill, or a crypto address on the relevant network) and submit the request.
2. Enter the one-time code emailed to you to confirm it. Nothing moves until you confirm — a withdrawal request alone doesn't debit your wallet.

Fees

Withdrawal and conversion fees scale with the amount (a tiered structure, similar in spirit to a progressive tax bracket) rather than a flat percentage or fixed charge — and you always see the exact fee as part of your withdrawal request, before you confirm anything. There is no fee just to hold a wallet or receive a deposit. See the public site's own Pricing page for the full model, or your withdrawal/conversion screen for the exact current numbers.

Converting

You can convert between any currency your wallet holds and KES, in either direction. When you request a conversion, you get a quote — the exact rate you'll get — locked for a short window (currently 90 seconds) before it expires. Confirm within that window and you get exactly the rate you were quoted, not whatever the market rate happens to be by the time the conversion actually processes. If the window expires, just request a fresh quote.

Escrow

Escrow holds funds until both sides of a transaction are ready — useful any time you're paying someone you don't fully trust yet (or being paid by someone who wants the same assurance).

The three roles

• Depositor — funds the escrow from their own wallet, and names who the receiver is (and, optionally, a neutral manager).
• Receiver — the intended recipient of the funds once released.
• Manager (optional) — a neutral third party who can step in and resolve things if the depositor and receiver disagree. If you don't name one, the platform itself plays this role.

Confirmation & release

Once funded, both the depositor and receiver confirm their side — in either order. Confirming doesn't move the funds by itself: once both confirmations are in, a Release funds button becomes available (to either party, or the manager), and someone still needs to click it. This is a deliberate, real extra step verified directly against the running platform, not an oversight — a small commission (set by the depositor when creating the escrow) goes to whoever manages it once released; the rest goes to the receiver.

Disputes

If either side disagrees, either can raise a dispute instead of confirming. The escrow's manager (or the platform, if none was named) then resolves it one of two ways: releasing the funds to the receiver, or refunding them back to the depositor.

FAQ