How to sell digital products in Kenya: platforms, payments and pricing

The deciding factor for Kenyan sellers is rarely features — it is payout. Confirm mobile money support, settlement time and the fee on the payment method your buyers actually use before you build a storefront.

This isn't a fringe concern — Mastercard's SME Confidence Index found 91% of Kenyan SMEs have already adopted digital payments, with mobile money alone accounting for 41% of transaction volume, ahead of card and online combined for most sellers.

• Selar — strong African payment coverage and simple digital delivery.
• Payhip — clean checkout and EU VAT handling if you sell abroad.
• Gumroad — global reach, but check payout options for your bank.
• A Paystack or Flutterwave storefront — most control, most setup work.

Model your net, not your headline. Subtract platform fee, payment fee and any FX spread, then round the remainder to a number that reads deliberate. A price of KES 2,500 that nets you KES 2,300 is a real decision; KES 2,499 is a habit borrowed from supermarkets.

1. 1
   Pre-sell to 10 people

   If ten people you already know will not buy, the positioning needs work.

2. 2
   Ship a narrow version

   One clear outcome beats a broad course nobody finishes.

3. 3
   Document delivery

   License, download and support path written down before launch day.