Sutcel is the first remittance platform that lets you send money with purpose. Instead of sending cash that may or may not be used as intended, Sutcel lets you route funds directly to verified merchants — groceries, pharmacies, schools, and utilities — while giving your loved ones a discreet cash portion.
How Sutcel Works: Step by Step
Download the App
Get the Sutcel app from Google Play (iOS coming soon). Create your account with just your email and phone number — no paperwork, no waiting. Verification takes under 30 seconds.
Choose Your Recipient
Select a recipient from your address book or add a new one. You can send to individuals (via M-Pesa or bank transfer) or to any merchant in our growing network across Kenya, Ghana, Nigeria, Tanzania, and Uganda.
Set Your Split Ratio
This is where Sutcel changes everything. Use our slider to decide how much goes to the merchant and how much goes as cash. Common splits: 80/20, 70/30, or 50/50. You decide what works best for your family.
Preview Your Transfer
See exactly how much goes to the merchant, how much your recipient gets in cash, the transfer fee, and the exchange rate — all before you confirm. No surprises.
Pay with Your Card
Pay securely with your debit or credit card via Stripe. Your payment is processed with bank-grade encryption and PCI-compliant security.
Relax — We Handle the Rest
The merchant gets credited instantly via our network. The cash portion arrives in your recipient's mobile money or bank account within minutes. Both you and your recipient get real-time notifications.
What Makes Sutcel Different?
- Purpose-Locked Spending: No other remittance service lets you direct funds to specific merchants
- Sender Privacy: Your financial support remains between you and Sutcel
- Recipient Dignity: Your loved ones get cash without feeling controlled or surveilled
- Lowest Fees: 0.5% on Premium — up to 90% less than Western Union
- Instant Delivery: Merchant credits in seconds, cash in minutes
Countries We Serve
Senders: United States, United Kingdom, Canada, European Union
Recipients: Kenya (M-Pesa), Ghana (MTN Mobile Money), Nigeria (Bank Transfer via Paystack), Tanzania (M-Pesa), Uganda (Mobile Money)
Merchant Network
Our growing merchant network includes:
- Groceries: 45+ partners including local supermarkets and fresh markets
- Pharmacies: 28+ partners for medication and health supplies
- Schools: 18+ educational institutions for tuition payments
- Utilities: 12+ partners for electricity, water, and internet
- Healthcare: 15+ clinics and hospitals
- Transport: 8+ transport and fuel partners