Send Now. Pay Later.
Support your family.
When family in Kenya needs help before payday, LNMpay lets you send money instantly to mobile money — even without the full balance — and repay in four equal installments. Your reputation is your credit.
Licensed & Regulated
Built for full compliance with financial regulations.
Bank-Level Security
256-bit encryption protects your data end to end.
Delivery in Minutes
Most transfers arrive in your family's mobile-money wallet almost instantly.
Ways your family can receive the money
Mobile money
Delivered to any major wallet — M-Pesa, Airtel Money or Orange Money — in minutes.
Bank transfer
Sent straight to your family's Kenyan bank account.
How it works
Help family in four simple steps
From urgent send to final repayment — everything is transparent before you confirm.
Send money instantly
Choose how much to send from Canada. Funds are delivered to your family's mobile-money wallet or Kenyan bank account within minutes.
Clear, upfront pricing
Send with your own funds and you only pay the FX margin. Choose Send Now, Pay Later and it's a one-off 5% fee — every charge shown before you confirm.
Short on funds? Use your overdraft
If payday hasn't arrived, your SNPL Credit Score lets you send now anyway. A small 1.5% monthly charge applies only to the outstanding balance.
Repay in four installments
Any overdraft is split into four equal, scheduled repayments. You see the full plan before you confirm — always.
The differentiator
SNPL Credit Score is your credit
LNMpay isn't a normal remittance app with a loan bolted on. The reputation-based overdraft is the whole point. Instead of a credit bureau, your ability to send before you pay is earned through how reliably you send and repay.
- No traditional credit check — newcomers welcome from day one
- Every on-time repayment raises your score and your limit
- Higher trust unlocks larger send-before-pay room for real emergencies
742
Trusted tier
Up to $150
Everyone begins here. Send with cash on hand and start building trust.
Up to $400
A few on-time repayments unlock your first send-before-pay room.
Up to $900
Consistent history means larger overdrafts for bigger emergencies.
Up to $2,000
Your reliability earns the highest limits and priority support.
Why LNMpay
Made for immigrants supporting home
We know the pressure of a 3am call from home. LNMpay is built around those moments.
Built for emergencies
Medical bills, school fees, urgent family support — the moments that can't wait for payday. LNMpay is designed for exactly these.
Instant mobile-money delivery
Money lands directly in your family's mobile-money wallet in minutes, so they can pay the hospital, the school or the shop right away.
One corridor, done right
We focus entirely on Canada → Kenya. That focus means better rates, faster delivery, and support that understands your journey.
Pricing
Transparent pricing, always
Your cost depends on how you fund the transfer. Send with your own funds and you only pay the FX margin. Choose Send Now, Pay Later and a few clear charges apply — every one shown upfront.
FX margin only
No SNPL fee. No monthly charges.
- One-off SNPL feeNone
- Monthly overdraft chargeNone
- SNPL account maintenanceNone
- FX marginBuilt into the rate
Pay the full amount from your own balance and the only cost is our transparent FX margin — baked into the exchange rate and shown before you confirm. Nothing to repay, no recurring fees.
Send before payday
Repay in four equal installments.
- One-off SNPL fee5% of amount sent
- Monthly overdraft charge1.5%/mo on balance
- SNPL account maintenance $2.50 CAD/mo
- FX marginBuilt into the rate
Send instantly even before payday. You'll pay a one-off 5% SNPL fee, 1.5% per month on any outstanding balance, and a $2.50 CAD monthly SNPL account maintenance fee while your plan is active — plus the standard FX margin.
You send to family in Nairobi
$300.00 CAD
Family receives KES 27,180
- One-off SNPL fee (5%) $15.00
- Repay in 4 installments $78.75 × 4
- Overdraft (1.5%/mo)* ~$3.38
- SNPL account maintenance $2.50 CAD/mo
- FX marginBuilt into the rate
*Illustrative sample. The overdraft charge assumes the balance is repaid across the four scheduled installments; the $2.50 CAD maintenance fee applies each month your SNPL plan is active. Sending with your own funds instead costs the FX margin only.
Stories
Sending love home, on time
“My mother needed hospital fees on a Tuesday and my pay didn't come until Friday. LNMpay let me send it that same hour and pay it back over four weeks.”
“The pricing is clear and the money reaches my brother's mobile-money wallet instantly. No hidden exchange tricks like the old services I used.”
“Building my SNPL Credit Score actually feels fair — the more responsibly I send, the more I can help family back home when it counts.”
FAQ
Questions, answered
Everything you need to know before your first transfer.
When an emergency hits and payday is still a week away, you can send money to Kenya right now — even if you don't have the full amount in your account. LNMpay covers the gap using a reputation-based overdraft, and you repay it in four equal installments.
Your SNPL Credit Score is built from your repayment history and sending activity on LNMpay — not from a traditional credit bureau. The more reliably you send and repay, the higher your score and the larger your send-before-pay limit becomes over time.
It depends how you fund the transfer. Sending with your own funds costs the FX margin only — no added fee. Choosing Send Now, Pay Later adds a one-off 5% SNPL fee, 1.5% per month on any outstanding balance, and a $2.50 CAD monthly SNPL account maintenance fee while your plan is active. Every charge is shown before you confirm.
Transfers are delivered instantly to your family's mobile-money wallet in most cases, and to major Kenyan bank accounts shortly after. Your family can access funds for medical bills, school fees or daily needs within minutes.
Any amount you send on overdraft is split into four equal repayments on a clear schedule. You always see the full plan — dates and amounts — before you confirm a transfer, so there are no surprises.
Not at all. If you have the balance, just send with your own funds — you only pay the FX margin, with no SNPL fee and no monthly charges. Send Now, Pay Later (a one-off 5% SNPL fee + 1.5% monthly overdraft + $2.50 CAD monthly SNPL maintenance fee) is there for the moments you need to help family before your money arrives.
Send Now. Pay Later.
Create your account and start sending money home to Kenya in minutes — support your family the moment it matters most.
Send now. Pay later. Support your family.