Founder’s Message

Alfred Gitau Mwaura

Founder, GoPay

I founded GoPay with a clear conviction: Kenya’s public transport system is one of the most powerful economic engines in Africa — yet it operates on outdated, opaque, and cash-heavy infrastructure.

For decades, the PSV ecosystem has carried millions of Kenyans daily, created livelihoods, and connected cities and communities. But behind this resilience lies inefficiency — revenue leakages, lack of transparency, fragmented data, and limited financial inclusion for operators and crew.

GoPay is my response to this gap.

We are not simply building a payments platform.
We are building the digital infrastructure layer for public transport in Kenya.

By digitizing fare collection, enabling real-time revenue tracking, and connecting all stakeholders — from SACCOs and drivers to regulators and insurers — GoPay transforms how transport operates:
from informal → to structured,
from opaque → to transparent,
from fragmented → to connected.

This is about more than technology.
It is about restoring trust, unlocking value, and formalizing an industry that powers our economy every single day.

I believe the future of mobility in Kenya is:

Cashless
Data-driven
Accountable
Scalable across Africa

And GoPay is building that future — today.

Powering Smart, Cashless Public Transport in Kenya

A GoPay Perspective by Alfred Gitau Mwaura

Kenya’s public transport system — the PSV ecosystem — is one of the most dynamic yet under-optimized sectors in the economy. Every day, millions of transactions occur across matatus, buses, and shuttles — yet much of this value remains untracked, unmanaged, and exposed to loss.

GoPay exists to change that.

We have built a digital mobility and payments platform designed specifically for the realities of African transport systems — not adapted from global fintech models, but engineered from the ground up for PSV operations.

The Ecosystem We Power

GoPay serves every stakeholder in the transport value chain:

PSV Owners & Fleet Operators

We provide real-time visibility into revenue per vehicle, eliminating guesswork and significantly reducing cash leakages. Operators can finally run transport as a data-driven business.

SACCOs & Transport Associations

We enable centralized collections, automated settlements, and transparent member accountability — strengthening governance across the sector.

Drivers & Conductors

We remove the friction of cash handling, enabling safer operations, accurate earnings tracking, and fewer disputes with passengers.

Commuters

We make public transport seamless — faster boarding, cashless payments, and clear, transparent fares.

Insurers & Financiers

We unlock verified operational data, enabling smarter risk assessment, financing models, and premium collection systems.

Regulators & Policy Makers

We provide a foundation for data-driven transport policy, compliance monitoring, and national planning.

Our Products & Infrastructure

GoPay is an end-to-end operating system for public transport:

Cashless Fare Collection
Supporting QR, cards, and mobile money (M-Pesa, Airtel Money) at scale.
Operator & SACCO Dashboard
Real-time revenue tracking, analytics, and automated settlements.
Driver & Crew Management
Full trip accountability and performance insights.
Passenger Payment Platform
Simple, fast, and reliable commuter payments.
Data & Insights Engine
Route optimization, peak demand analysis, and revenue intelligence.
Parcel Management System
Real-time parcel tracking integrated into PSV operations.

Why GoPay Is Different

Most fintech solutions try to fit transport into payments.

We built GoPay the other way around — transport first, payments second.

Purpose-Built for PSV
Designed specifically for matatus, buses, and SACCO operations.
National Scalability
Built to scale from a single route to a nationwide network.
Ecosystem Integration
Connecting operators, regulators, insurers, and commuters on one platform.

Trust, Security & Compliance

Trust is the foundation of digitization.

GoPay ensures:

End-to-end encrypted transactions
Role-based access control across stakeholders
Audit-ready reporting for compliance
Full alignment with Kenya’s Data Protection framework

Strategic Partnerships

We are proud to work with forward-thinking partners shaping the future of mobility:

Safaricom Spark Accelerator
Supporting our national scale through infrastructure and innovation.
SuperMetro
Leading the modernization of Nairobi’s matatu ecosystem.
Latema Sacco
Driving electric and sustainable urban mobility.
Bungoma Line Shuttle
Expanding premium intercity transport experiences.