When initiating a Pesalink payment, ensure you use the account details displayed in your Workpay wallet top-up screen. These details are required for automatic reconciliation and allocation of funds to your wallet.

You will be provided with:

Both the account number and payment reason can be copied directly from the top-up screen.
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Step 1: Open Your Banking App

Log in to your banking application and select Pesalink as your payment method.

When prompted to choose a receiving bank, select Choice Microfinance Bank (Choice Bank).

Step 2: Enter the Payment Details

Using the details displayed in your Workpay wallet top-up screen:

The payment reason acts as your unique reference and is used to automatically match the payment to your Workpay wallet.

Step 3: Confirm and Submit

Enter the amount you wish to top up and review the payment details.

Before submitting:

Once verified, submit the transaction.
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Workpay automatically reconciles Pesalink payments using the payment reason/description provided in the top-up screen.

If the payment reference is omitted, altered, or entered incorrectly, automatic allocation may fail, and the payment may require manual investigation before funds can be credited.

Pesalink is intended for transfers below KSH 999,999 per transaction.

Corporate Accounts

Corporate Pesalink transactions are limited to KSH 999,999 per transaction.

Individual Accounts

Individual transaction limits vary by bank and customer security settings.

Some banks may enforce lower limits than the Pesalink network maximum. If you cannot transfer the required amount, contact your bank to review your transaction limits.

Top-Ups Above Pesalink Limits

If you need to transfer more than the permitted Pesalink limit, you can:

Pesalink operates through an automated clearing mechanism between participating banks.

Processing times may vary depending on the banks involved and the status of the originating account.

Generally:

For higher-value payments processed through RTGS, settlement occurs individually and is subject to banking cutoff times. RTGS transactions typically complete within a few hours but may take longer during peak periods.

Customers can initiate wallet top-ups through the Workpay mobile application.

Please note:

Depending on your bank and transaction type, you may receive:

Notification behavior may vary, and some notification channels are currently under review.

A reported issue affects the copy functionality used to copy the account number and payment reason from the mobile application.

Some users have reported that tapping the copy icon does not provide visible confirmation or appears unresponsive, although the same functionality works correctly on the web platform.

If you encounter this issue, record and share a screen recording with Support to assist with troubleshooting.

1. Why hasn't my wallet been credited?

The most common cause is an incorrect or missing payment reference. Ensure the payment reason/description from the Workpay top-up screen was entered exactly as provided.

2. Can I transfer more than KSH 999,999?

No. Corporate Pesalink transactions are capped at KSH 999,999 per transaction. Larger amounts should be split into multiple transfers or processed through an alternative payment method.

3. Why does my bank show a lower limit?

Transaction limits are determined by your bank and account security settings. Contact your bank if you need to increase your transfer limit.

4. How long does a Pesalink transfer take?

Most transactions are processed instantly, though actual timing depends on the participating banks, authorization requirements, and settlement schedules.