Geliana Pay is a payment facilitation platform built for African freelancers and creators. We help you get paid by anyone, anywhere — via tip pages, professional invoices, and instant payouts to M-Pesa or your bank.

Geliana Pay is a payment facilitator, not a financial institution or bank. All payment processing is handled by Paystack Payments Limited, a Central Bank of Kenya licensed Payment Service Provider. Funds flow directly from the payer through Paystack to your designated payout account — Geliana Pay never holds or custodies your funds.

1. Sign up

Create your account with your email and a password. No credit card needed.

2. Choose your handle

Your handle is your public username — it determines your tip page URL: pay.geliana.com/tip/yourhandle. 3-30 characters, letters, numbers, and underscores only.

3. Complete KYC

Before you can send invoices or receive payouts, you must complete identity verification (Know Your Customer). You'll need:

• A clear selfie or profile photo
• Your national ID or passport (image or PDF)
• Your KRA PIN
• Your M-Pesa number or bank account details for payouts
• A one-time KSh 50 verification fee

Admins review your submission and approve it — usually within 1-2 business days. You'll receive an email notification once approved.

4. Customise your pages

Head to the Appearance settings to customise your tip page and invoices with accent colours, hero patterns, card styles, button shapes, cover images, and custom titles.

5. Start earning

Share your tip page link or send invoice payment links to clients. Get paid via M-Pesa or card.

Every creator gets a public tip page at /tip/[handle]. Share this link anywhere — social media, your website, email signatures, WhatsApp.

Supporters can send tips via M-Pesa or card. No account needed for the person sending the tip — just pick an amount, enter their details, and pay.

Fee structure

Customisation options

• Accent colour (7 presets + custom hex picker)
• Background style (plain, gradient, mesh)
• Hero pattern overlays (17 SVG patterns)
• Card style (rounded, glass, bordered, elevated)
• Button shape (rounded, pill, soft, sharp)
• Cover image (banner at the top of your tip page)
• Tip page headline (custom title)
• CTA button text
• Avatar, display name, bio
• Social links (X/Twitter, Instagram, website)

Create professional line-item invoices and share a payment link with your clients. Clients pay online without needing an account — no sign-up required.

Creating an invoice

1. Go to Invoices → New invoice
2. Enter client details (name, email) — you can pick from saved clients
3. Choose local or international invoice type
4. Add line items (description, quantity, unit price)
5. Optionally set a payment deadline
6. Add notes if needed
7. Share the generated payment link with your client

Fee structure

Payment reminders

You can send payment reminder emails to your clients. The reminder system has built-in limits:

• Maximum 3 reminders per invoice
• 1 reminder per 24 hours cooldown
• Reminders include the payment link and a personalised message

Payment deadlines

You can set a due date when creating an invoice. The public payment page will display the due date and show an overdue banner if the invoice isn't paid by the deadline.

The Appearance page lets you fully customise how your tip page and invoices look to supporters and clients. All changes reflect in real-time on the live preview.

Available settings

How payments work

When someone pays you via your tip page or invoice, the money flows through Paystack. Geliana Pay does not hold your funds in a platform wallet or balance.

Fraud hold period

To protect against chargebacks and fraudulent transactions, payouts are subject to a brief hold period after payment is confirmed. During this time, funds are held by Paystack and are not available to Geliana Pay or you.

Payout methods

• M-Pesa (mobile money)
• Bank transfer

Your payout method is set during KYC and can be updated by contacting support.

Disputes

If a payer disputes a transaction, the admin can raise a dispute on the payout. Disputed payouts are frozen until resolved through an admin-creator communication thread. Admins can resolve disputes by settling or cancelling the payout.

Know Your Customer (KYC) is legally required before you can send invoices or receive payouts. The process is fully digital and typically takes 1-2 business days for review.

What's required

• Selfie — a clear photo of your face
• National ID or Passport — image or PDF upload
• KRA PIN — your Kenya Revenue Authority PIN
• ID / Passport number
• Payout details — M-Pesa number or bank account info
• KSh 50 fee — one-time, non-refundable

Data protection

Your KYC data is encrypted at rest using AES-256-GCM. Decryption keys are managed separately and are only accessible to authorised administrative personnel. Once your KYC is approved or rejected, uploaded document images are deleted from our file storage.

KYC states

Settings

Your account settings page lets you manage your profile, change your handle, update your password, and review your account details.

Changing your handle

• First change: available 30 days after account creation
• Subsequent changes: available 90 days after last change
• Your old handle becomes immediately available for others

Changing your password

You can update your password from the Settings page. You'll need to enter your current password to make changes. Passwords must be at least 8 characters.

Forgot password

If you forget your password, click "Forgot password?" on the sign-in page. You'll receive a reset code via email to set a new password.

Account deletion

You can request account deletion from the Danger Zone section in Settings. The process:

1. Submit a deletion request from your settings
2. An admin reviews and schedules the deletion
3. A 30-day buffer period applies by default
4. During the buffer period, you can cancel the request
5. After processing, your personal data is permanently erased

Note: If your account was already deleted and you sign in again, you'll see a "Restore account" screen. You can deliberately rehabilitate your account, which will redirect you to onboarding to set up fresh.

Geliana Pay sends automated email notifications to keep you and your clients informed. All notifications are sent from notifications@pay-notifications.geliana.com.

Notifications you'll receive

Audit log

Every email sent is permanently recorded in the email log — including recipient, subject, body, and delivery status. Admins can view the full email log in the admin panel.

Geliana Pay charges per-transaction fees. There are no monthly subscriptions, setup fees, or hidden charges.

Paystack also charges a processing fee: 1.5% + KSh 30 per transaction, capped at KSh 4,000. This is deducted before you receive your payout.