Privacy for the Sender. Dignity for the Recipient.

Every merchant on Sutcel is verified through a rigorous onboarding process. When you send money, the merchant credit is issued instantly and can only be redeemed via QR code at the merchant's registered location. You'll receive a confirmation when the credit is used. Additionally, any unused credit automatically converts to cash after 90 days and is returned to the recipient.

Sutcel charges a flat transfer fee based on your plan: 1% for Free, 0.5% for Premium, and 0.3% for Business plans. There are no hidden fees, no monthly minimums, and no surprise charges. The exchange rate we use is the mid-market rate plus a small markup that's always disclosed before you confirm the transfer. What you see is what you pay.

Merchant credits are issued instantly — as soon as your payment is confirmed by Stripe or Paystack, the merchant can see the credit. Cash disbursements via M-Pesa typically arrive within minutes. Bank transfers may take 1-2 business days depending on the recipient's bank. SMS notifications are sent at every step so both you and the recipient always know the status.

Absolutely! You can split your transfer across multiple merchants in any combination. For example, you could send 50% to a grocery store, 30% to a pharmacy, and 20% as cash. The split ratios are completely customizable and you can save your favorite combinations as templates for repeated use.

Sutcel is currently available for senders in the United States, United Kingdom, Canada, and the European Union. Recipients can receive funds in Kenya, Ghana, Nigeria, Tanzania, and Uganda — with more countries coming soon. We're expanding rapidly based on user demand. Join our waitlist to be notified when we launch in your country.

If you're a business owner in one of our recipient countries, you can apply to become a Sutcel merchant through the app. We'll verify your business details and set up your QR code payment system. Merchants benefit from instant payments, no chargebacks, and a growing customer base of diaspora senders. Apply directly from the app or contact our merchant team.