Kenya PayPal Cashouts : The Process Simplified

Like many countries in Africa, cashing out international payments can be an endless nightmare. This is particularly so for countries like Kenya where local banks do not yet have arrangements with PayPal International to provide avenues for withdrawing moneys earned. This can prove to be a very slow process and waiting for the banks to align themselves can be both costly and frustrating especially for many cash-strapped Kenyans who need to cash their money as soon as they earn it. This is normal and very understandable.
In my quest, I came across very many ways of doing this but I found this method that I shall explain below to be among the less complicated and more straightforward ways to go. It is not cheap but then again, all methods will cost in terms of time spent waiting or transaction costs incurred or both. It is in this light that the process of getting paid has been explained so as to encourage Kenyans working online not to loose hope in their bid to acquire multiple sources of income. I shall try to explain it as simply as possible and feel free to let me know if it has helped you as you follow it step by step.

  1. Ensure you have a valid email address for your transactions. Gmail is particularly well suited for PayPal transactions among many others useful activities. It may be advisable to get a free gmail address if you do not already have one.
  2. Most international workers know and recognize PayPal as one of the most accepted methods of receiving and dispensing payments. This means that, it is very important to create a PayPal account. It is free and Kenya is one of the few lucky African countries where it is possible to create one. The site is It is VERY IMPORTANT for security reasons to ensure that your details are truthful and accurate because I can assure you that any shortcuts will come back to bite you where it hurts most.
  3. For this account to be recognized, it must be VERIFIED. The process of verification simply requires providing the details of a VALID credit card. These details are checked and security information is mailed to a VALID postal address for you to complete the verification process. This takes about one month.
  4. One of the best credit cards to use is the KCB GENERAL PURPOSES CARD which you can get at any KCB branch for an unbelievably low investment. You do not need a KCB account to get it. This cards takes about 2 weeks to acquire. There are many other cards in the market which you can use as well.  
  5. With a verified PayPal account, the transactions that can be done are limitless as compared to a set limit when the account is not verified. I would advice that once you have opened your PayPal account, set about the verification process before reaching the limit of your transaction quota. This way, you save time for yourself and you are able to continue with business as usual without unecessary delays.
  6. When you have received money into your PayPal account you will always get a message in your email. It is always good to go and check the actual balance because PayPal, like any other service, has its charges.
  7. When you wish to withdraw a certain amount of money, one of quickest ways of doing it is by using a facility called ePAY-KENYA through their website This is done in liaison with their sister site Chuchi hosting through
  8. Create free accounts in both places. Again, ensure your information is accurate and upto date.
  9. For epay-kenya to allow you to transact using their facility it is important to ensure that your account is VERIFIED. This is a rather quick and simple process that takes a couple of minutes. This is very important for security reasons.
  10. Epay-kenya works with Kenyans who have both Paypal and Skrill (moneybookers) accounts to help them withdraw to Kenya shillings but I shall limit this post to PayPal transactions only.
  11. To begin the withdrawal process, PayPal clients are directed to their site Chuchi hosting i.e. Login here first. Here a person sees various products on offer that represent various denominations for the PayPal amount which they wish to withdraw.
  12. Don't worry about the various descriptons, just select the product that closely matches the amount you wish to withdraw. It is important to note that at this point a fee of 10% is withdrawn.
  13. Add the products to the basket and when finished view the basket to ensure that you have what you require. 
  14. You are now ready to checkout and you need to follow the various security checks for addresses until you are ready to checkout.
  15. Paypal clients need to press 2Checkout because this facility links their purchase to their PayPal account which automatically deducts the amount of the product selected. For this to complete successfully PayPal clients must put in their PayPal password. 
  16. Keep following the prompts until you are notified that the transaction has completed successfully. Take your time and be sure of what you are doing.
  17. As soon as this transaction is complete, you receive 2 emails simultaneously. One is from Chuchi hosting confirming the successful transaction. The other is an official online receipt from PayPal confirming that your funds have been withdrawn to make the required payment.
  18. From your email account, forward the PAYPAL RECEIPT (NOT chuchi hosting receipt)  to epay-kenya via email address This ensures that the staff at epay-kenya receive details of the transaction and begin processing the payment into Kenya shillings. Please note that a fee of $1.5 is deducted. The process takes about only 30 minutes for the amount to appear in your epay-kenya account.
  19. Login to your epay-kenya account and verify that the amount has been credited into your account. The account balance is usually shown at the top of the page. If not, ensure that you sent the CORRECT receipt and wait a few more minutes. They are normally very busy but also very efficient.
  20. Once the amount reflects in your account, you are ready to withdraw. Press WITHDRAW MONEY.
  21. Epay-kenya withdraws to various to various facilities and charges various fees. The MPESA/ZAP/ORANGE MONEY option costs $3 per transaction. It is the cheaper option.
  22. Ensure your MOBILE NUMBER is correct and follow the prompts provided to effect the withdrawal. 
  23. It takes very few minutes for the money to be sent to your phone for onward withdrawal to cash and happy times.
This process sounds long and complicated but it is not. It may also sound expensive but so would any other international transaction. What I know is that it is fast, efficient and delivers real money. Good luck to all you Kenyans working online and drop me a comment to compare notes. Be blessed.


  1. There are different ways of withdrawing money from PayPal if you work online in Kenya. Since I know a lot of people have questions on this topic I decided to compile an ebook on this topic and it is free. Follow this link to download my free ebook on 4 Proven Ways to Withdraw Money from PayPal in Kenya

    1. Thanks for this. It shall help many Kenyan online workers.

  2. I am a Professor of Finance at EDHEC Business School in the Accounting, Law and Finance Department. My research interests and main publications fall in the areas of International Corporate Finance and Financial Markets, Legal Reform and Privatization. I have been an advisor on these topics to several governments, international institutions and corporations. Some of my research shows the relevance of law and institutions for the functioning of markets and their development. I have many publications in top finance and economics journals and I have recently published two books on Investor Protection and the Benefits of Privatization in Native America. Among other distinctions, I have received Harvard's Wells Prize for the Best Dissertation in Economics (1995), the Brattle Prize for distinguished paper in the Journal of Finance of the American Finance Association (1999), and the Jensen Prize for the best papers published in the Journal of Financial Economics in the Areas of Corporate Finance and Organizations (2000). I am one of the top three most cited researchers in the world in economics and business in the last 10 years, according to the Essential Science Indicators. Before coming to EDHEC, I taught at the Amsterdam Business School, Harvard, Yale, and the Ecole Normale Superieur in Paris.

    I have a firm of qualified writer, some are my colleagues from several universities in Australia, U.S., United Kingdom. My writers and I handle different student projects such as Dissertations, Theses, Essays, Term papers and the rest from diverse fields. We do this to assist students attain their required grades. If you have any work that you need to be done by professionals, send me a message and I will be back to assist you.


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    1. Thanks Dr Florencio. This may be useful to many people requiing academic writing.


    WE HAVE AN ONLINE CHAT AS WELL... OR CONTACT: or call 0718160575
    Should I be a Member to Withdraw?
    It is not necessarily. We do not want you to go through long process of registration and verifications. Therefore, to withdraw, Just request for the Invoice with the details provided such as Mpesa Number.
    What Do I need to Withdraw?
    You only need the Mpesa/zap or any other mobile money service providers. You also need to have your paypal email address, which will be required while requesting for an invoice.
    Should my paypal be verified?
    No. We allow both verified and unverified paypals. Only that for unverified paypals, we charge an extra of $ 3 per transactions made.
    How long does it take to get the money via M-pesa?
    It takes only 30 minutes to receive money to your Mpesa.
    How Do I withdraw?
    • Click on the “Request Invoice” tab
    • Fill in your details with the email address of the paypal you want to transact from.
    • Immediately we receive the invoice request, we will send you the invoice in your paypal email address.
    • Click on the link in your email, which will direct you to your paypal.
    • Click the Yellow tab on your paypal that is written “Pay”, Then you will be done.
    • We will therefore confirm your payment.
    When do I withdraw?
    You can withdraw at any time. We are available 24 hours from Monday to Sunday, including the Holidays.

    1. This is very useful as an added option for withdrawing paypal clients in Kenya.

  4. I will be updating this post soon because the epay-kenya method has changed slightly for Kenyan Paypal clients.


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