Authorisation
Payment service providers must be authorised by the CBK.
All regulations
Kenya / Central Bank of Kenya (CBK)
National Payment System Act and Regulations
The National Payment System Act, 2011 and its 2014 Regulations govern payment service providers, e-money issuers and their agents, including how customers, agents and merchants are identified.
Who it applies to
Industries
Key requirements
Customer identification
Identify customers to a level that matches account limits and risk.
Agent due diligence
Vet agents before they serve customers on your behalf.
Transaction limits and monitoring
Apply limits and watch for unusual activity.
How Sentinel helps
- Tiered KYC that steps up as limits rise.
- KYB for agents and merchants.
- Re-verification when accounts change hands or devices.
General information, not legal advice. Last reviewed October 2026. Requirements change, so confirm the current position with the regulator or your counsel before relying on it.