Simple, straightforward I am happy with the service, my bank had delays I turned to HeptaPay and they delivered. For first time user expect some delays due to security and verification before payment.... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Simple and convenient, procceses are initiated and completed within a minutes for the first time but less than a minute for subsquent use
Company replied
Fast , convenient and trustable , in 3 mnts the money was with the receiver momo account in Rwanda , only the 1 star less for the rate it can be better
Company replied
I registerd with HeptaPay , I tried three times to send money to m pesa but it failed. I put the correct card details but it dont work. I wrote a e mail and get a answer on Sunday in less than two hou... See more
Company replied
Company details
- Mobile Money Agent
- also in
- Card Processing Service
- Currency Exchange Service
- Money Order Service
- Money Transfer Service
- Non-Bank Financial Service
Written by the company
HeptaPay is an Online Agent for Mobile Money in East Africa. We allow customers to transfer money from their debit or credit cards into MTN MoMo, Airtel Money, and M-PESA in Kenya, Rwanda, Uganda, and the Democratic Republic of Congo (DRC). We also allow customers to pay businesses directly to their Safaricom M-PESA Buy Goods Till Numbers in Kenya, or MTN MoMo Pay Codes in Rwanda. A customer is not required to sign up with HeptaPay in order to transact. HeptaPay accepts payment via Visa, Mastercard, or American Express debit cards from anywhere in the world.
Contact info
Applewood Adams, Adams Arcade, Ngong Rd, 00200, Nairobi, Kenya
- +254114558252
- support@heptapay.com
- heptapay.com
4.1
Great
307 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 94% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Good service all round.
Fast, easy to use, convenient, and trust worthy. I would highly recommend.
June 4, 2026
Reply from HeptaPay
Thank you so much for the 5-star review! We’re glad you found our service fast, easy to use, convenient, and trustworthy. We truly appreciate your recommendation and support.
Advertisement
Reply from HeptaPay
Thank you for the review of HeptaPay's service to top-up MTN Mobile Money wallets in Rwanda. Indeed, within 30 seconds after payment, the recipient has their mobile money wallet quickly and conveniently. We welcome you to transact again and again!
Reply from HeptaPay
Thank you Steve for the 5-star review! Honesty is one of the mantra's with which we built this business and we’re glad you found our service honest, reliable, and relatively fast. We truly appreciate your support.
Reply from HeptaPay
Thank you for the 5-star review! We’re glad you had a good experience tranferring funds to Safaricom M-PESA and found the service seamless and easy to use. We truly appreciate your support.
Quick transactions ✅
May 27, 2026
Reply from HeptaPay
Thank you for the 5-star review! We’re happy to hear you enjoyed our quick transactions and truly appreciate your support.
Advertisement
Great service
May 23, 2026
Reply from HeptaPay
Thank you so much for the 5-star review! We’re glad you had a great experience and truly appreciate your support.
Made it easy to load MPESA without…
Made it easy to load MPESA without going in person all the time.
May 17, 2026
Reply from HeptaPay
Thank you for the 5-star review! We're glad HeptaPay made it easier and more convenient for you to load M-PESA without having to go to an ATM and subsequently look for an agent each time. This is the problem we set out to solve 5 years ago. We truly appreciate your support.
your services are very efficient
your services are very efficient, honestly i would love to refer customers to your services! thankyou.
May 16, 2026
Reply from HeptaPay
Thank you so much for your kind words and 5-star review! We're delighted to hear that you find HeptaPay’s services efficient for moving funds from your card to M-PESA. Your willingness to refer others means a lot to us. We truly appreciate your support!
Reply from HeptaPay
Thank you for the 5-star review! We're glad to hear you found HeptaPay smooth and fast. We appreciate your support and look forward to serving you again.
Advertisement
So Helpful.
May 8, 2026
Reply from HeptaPay
We're happy your MTN MoMo payment to settle a bill was completed successfully. We appreciate your trust and support.
My card provider actually processed…
My card provider actually processed payments through Heptapay, lakini mnarefund my payments kwa nini🤔😒
May 8, 2026
Unprompted review
Reply from HeptaPay
If your card provider processed the payment successfully but the transaction was refunded, it may have been due to a verification issue. Please share your transaction details with our support team so we can check exactly what happened and advise you properly.
I registerd with HeptaPay
I registerd with HeptaPay , I tried three times to send money to m pesa but it failed. I put the correct card details but it dont work. I wrote a e mail and get a answer on Sunday in less than two hours. They say dont use VPN and ask the Bank if they accept HeptaPay payments
May 10, 2026
Unprompted review
Reply from HeptaPay
Rudolf, we are sorry the M-Pesa transfer did not go through after several attempts. Card payments can sometimes fail because of card security rules, VPN/proxy usage, or because the issuing bank does not currently allow payments through HeptaPay. We are glad that you were eventually able to transact M-PESA to Kenya.
Is it only me whose gonna see dust in…
Is it only me whose gonna see dust in this house. Why is my transaction taking like a whole day! Heptapay??? Am not yet happy at all.
May 9, 2026
Unprompted review
Reply from HeptaPay
Hello. We can not trace any transaction on our platform under the name Brandon Kupper that you use here on Trustpilot. Please write to us with the email address that you used while transacting for assistance.
Advertisement
Reply from HeptaPay
We appreciate your trust in HeptaPay to transfer funds from your online card to Safaricom M-PESA. Thank you for the 5-star review.
First time using it
First time using it, i was skeptical at first but the service was quick and easy. I would recommend
April 26, 2026
Reply from HeptaPay
We thank you for using HeptaPay to top up an M-PESA wallet using your credit card. Your 5-star review means a lot to us, and to other skeptical customers who may be wondering about our service. We look forward to serving you again and again.
I like ths very much..
I like ths very much... Used this to check if it really works and I realized it was a safe way of transacting...
April 23, 2026
Reply from HeptaPay
Thank you for your 5-star review of HeptaPay! Indeed, HeptaPay is a safe way to transact from your debit or credit card to MTN MoMo IN Rwanda.
Reply from HeptaPay
Thank you for your feedback! We’re glad you had a smooth transaction with HeptaPay. We look forward to serving you again.
Advertisement
Reply from HeptaPay
Thank you for the 5-star review! We’re glad you found HeptaPay helpful and had a great experience. We appreciate your support and look forward to serving you again.
Scam Alert
I made a transaction Transaction ID #HP-041026EZ20| and they deducted the money but the transaction didn’t go through . I contacted them but they are saying it didn’t authenticate but I got charged on my end yet the money didn’t go through. I still haven’t gotten my money back.
After all this I emailed and they said they have no record of the transaction and that I will not be given any further replies mind you they had already admitted to refunding.
SCAM
April 10, 2026
Unprompted review
Reply from HeptaPay
We are sorry about your experience. Failed transactions can sometimes still show as debited but are reversed immediately. Please contact support again with your transaction ID so we can follow up and resolve this for you.
It does help to convert money from the…
It does help to convert money from the credit/debit card to momo rwanda but the only issue is the delay of the time it takes for funds to arrive in the account
April 3, 2026
Reply from HeptaPay
Thank you for your honest review! We’re glad the service is helping. We hear you on the delays and are working to improve transfer times.
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.