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What is the official website of the payment service?

https://www.sc.com/ke/

Where can I find the customer support contacts?

Customer support contacts are available at the bottom of the Standard Chartered Kenya homepage under the 'Contact Us' section.

What is the hotline phone number?

+254 20 329 3900

Is there a toll-free support number?

Toll-free number is 0800 720 044, accessible in Kenya.

What is the email address for technical support?
Are there separate emails for different types of inquiries?

Separate emails are commonly provided for different departments such as complaints, corporate inquiries, and card support to streamline responses.

Where can I find the online chat support?

Online chat support can be accessed through the official website via a live chat widget during business hours.

Does the chat support work 24/7?

Chat support typically operates during standard business hours on weekdays, while some general inquiry chatbots may be available 24/7.

Is there support through messengers (Telegram, WhatsApp)?

WhatsApp support is available; customers can chat with Standard Chartered via +254 722 203666.

Can I contact support through social media?

Support is available through official social media accounts (Facebook, Twitter/X), where customers can message for assistance.

What are the support working hours?

Support is generally available Monday to Friday, 8:00–17:00, with some channels offering extended or limited weekend hours.

Does support work on weekends and holidays?

Some digital channels and hotlines may offer partial or limited weekend and holiday support, but branch services often do not operate.

Are there regional offices for in-person visits?

There are regional branches and offices in major Kenyan cities where customers can visit for service.

Where are the physical offices located?

Main office is at Stanbank House, Moi Avenue, Nairobi; branches are in Mombasa, Kisumu, Eldoret, and other urban centers.

Can I schedule a personal meeting?

Personal meetings can be scheduled via phone or online, typically by calling the branch or using appointment booking tools.

Are there representatives in different countries?

Standard Chartered has a global presence, with representative offices in multiple countries outside Kenya.

In which languages is support available?

Support is available in English and Swahili, the main business and national languages in Kenya.

How quickly does support respond to requests?

Responses typically occur within a few minutes for calls and chat, while email queries may take from a few hours up to 24 hours.

Is there a priority system for VIP clients?

Priority banking clients receive expedited support and have access to dedicated relationship managers.

Can I request a callback?

Callback services can be requested through the hotline or via the website contact form, with scheduling based on staff availability.

When was the payment service founded?

Standard Chartered Kenya was established in 1911.

Who is the founder and owner of the service?

Standard Chartered Kenya is a subsidiary of Standard Chartered PLC, based in the UK; no single individual founder.

In which country is the company registered?

The company is registered in Kenya.

What is the development history of the payment service?

Started as a colonial-era bank, expanded through mergers and tech innovation, and now offers comprehensive digital and traditional financial services.

Have there been major updates or rebranding?

Standard Chartered has updated its logos, launched digital channels, and rebranded branches as part of ongoing modernization efforts.

Who sits on the company's board of directors?

The board features a Chief Executive Officer, Managing Directors, and a mix of independent and non-executive directors (listed on the website).

Are there investors or partners in the service?

Major shareholders include Standard Chartered PLC and local Kenyan institutional investors; the bank works with various partners and payment networks.

Does the company participate in stock trading?

Yes, Standard Chartered Bank Kenya is listed on the Nairobi Securities Exchange under the ticker SCBK.

What is the company's market capitalization?

Market capitalization varies; as of recent reports it hovered around KES 47 billion.

Are there subsidiary companies or branches?

The bank has multiple branches in Kenya and is part of the wider Standard Chartered Group with subsidiaries in many countries.

What licenses does the payment service have?

Licensed by the Central Bank of Kenya as a commercial bank and authorized for digital financial services.

Who is the regulator for this service?

The Central Bank of Kenya is the primary regulator.

In which jurisdictions does the service operate officially?

Operates in Kenya and, through the Standard Chartered Group, in other jurisdictions in Africa, Asia, and the Middle East.

Are there licenses for cryptocurrency operations?

Standard Chartered Kenya does not currently hold licenses for cryptocurrency operations.

Does the service comply with AML/KYC requirements?

Full compliance with Kenyan and international AML/KYC requirements, including customer identification and transaction monitoring.

Are there security certificates (PCI DSS, etc.)?

Complies with PCI DSS for card processing and adheres to strict global security standards.

Has the service undergone security audits?

Regular security audits are conducted internally and externally to validate compliance and control effectiveness.

Is there insurance for client funds?

Funds in bank accounts are insured up to the statutory limits by the Kenya Deposit Insurance Corporation (KDIC).

Which international standards does it comply with?

Complies with ISO standards for information security, PCI DSS, and other banking industry norms.

Have there been any regulatory fines or violations?

Major regulatory fines or violations are rare and publicly disclosed when they occur, following best practices in transparency.

What is the overall user rating of the service?

Generally has favorable ratings; exact scores differ by platform, with many customers praising reliability and service.

Where can I find real reviews about the service?

Customer reviews are available on Google Reviews, Trustpilot, and local financial forums.

What are the main user complaints?

Common complaints include processing delays, occasional digital platform downtime, and issues with account maintenance fees.

What do users most often praise the service for?

Users praise efficient customer service, comprehensive digital banking, secure payment methods, and widespread ATM/branch access.

Are there issues with fund withdrawals?

Occasional delays may occur, especially for large sums or during public holidays, but major issues are uncommon.

How do users rate customer support?

Customer support is generally rated positively for professionalism, though some report slower responses during peak times.

Is the interface convenient according to users?

The digital interface is considered user-friendly, though some users mention occasional app or web platform glitches.

Are clients satisfied with transaction speed?

Most clients report satisfaction with transaction processing speed, particularly for in-country payments.

How do they rate the service's reliability?

Reliability scores are typically high, with minimal unplanned service interruptions.

Do users recommend this service?

Many customers recommend the service, especially for personal and business banking.

How do experts assess the service's reliability?

Financial sector experts consider Standard Chartered Kenya a safe, reliable bank with robust compliance and security.

Are there industry awards and recognitions?

Has received numerous industry awards for digital innovation, banking excellence, and customer service.

Does the service participate in payment system rankings?

Routinely features in Kenyan and regional bank rankings for customer satisfaction and digital capability.

How do independent auditors assess security?

Independent audits find the bank adheres to high standards of IT and operational security.

Are there recommendations from financial regulators?

Endorsed by regulators for compliance and prudent management.

What reputation does the service have among partners?

Highly regarded for reliability, financial strength, and prompt settlement.

How do they evaluate solution innovation?

Recognized for innovation in digital banking, mobile app capabilities, and payment technologies.

Are there quality service certificates?

Holds quality service certifications as per local and international banking standards.

Does the company participate in industry conferences?

Regular participant and sponsor in financial services conferences and technology summits.

How does the service position itself in the market?

Positions as a premier international bank offering secure, innovative, and customer-focused payment solutions.

Which fiat currencies does the service support?

Kenyan Shilling (KES), US Dollar (USD), Euro (EUR), British Pound (GBP), and others for international transactions.

Are cryptocurrencies supported? Which ones specifically?

Cryptocurrencies are not supported for consumer or business transactions.

Is there a proprietary cryptocurrency or token?

There is no proprietary cryptocurrency or token in use.

Can currencies be converted within the service?

Currency conversion is available for supported fiat currencies, both online and in-branch.

What exchange rates are used for conversion?

Exchange rates are based on prevailing interbank rates with a margin applied, published daily by the bank.

How often are exchange rates updated?

Exchange rates are updated regularly throughout the day in response to market conditions.

Are stablecoins supported?

Stablecoins are not supported.

Can exotic currencies be handled?

Certain exotic currencies can be handled on request for international payments, subject to approval.

Are there currency restrictions in different countries?

Restrictions apply based on regulatory controls and international sanctions.

What types of transfers does the service support?

Supports local transfers, international wire transfers (SWIFT), mobile money integration, card payments, and standing orders.

Can transfers be made between service users?

Yes, account-to-account transfers between Standard Chartered customers are supported.

Are transfers to bank cards supported?

Transfers to bank cards are generally not supported; funds are transferred to bank accounts or via mobile money.

Is bill payment available?

Bill payment services are offered through online banking and mobile app channels.

Are recurring payments supported?

Recurring payments and standing orders can be set up for regular transfers and bill payments.

Can automatic transfers be set up?

Automatic transfers are supported via standing order and scheduled payments.

Is payment scheduling available?

Payment scheduling is available for both local and cross-border payments.

Are group payments supported?

Group payments are not standard, but business or bulk payment services are available.

What are the minimum transaction amounts in the service?

Minimum amounts vary; for example, mobile transfers start from as low as KES 10.

What are the maximum amounts that can be transferred?

Maximums depend on verification level and transaction type; large sums may require additional checks.

Are there daily limits on operations?

Daily transaction limits exist, especially for online and mobile channels.

What monthly and annual limits are in effect?

Monthly and annual transaction limits are based on account type, KYC, and regulatory requirements.

Can limits be increased? How?

Limits can be increased by submitting additional KYC documentation and applying through customer service.

Do limits differ for verified users?

Fully verified users are offered higher transaction limits compared to basic-account holders.

Do special limits apply in different countries?

Limits may vary for international transactions based on regulatory and compliance factors.

Can operations be temporarily blocked?

Temporary blocking of account operations is possible for security or regulatory concerns.

Are there limits on the number of daily operations?

Daily count limits may apply, particularly for certain transaction types such as mobile money.

What are the minimum amounts for account funding?

Minimum deposit amounts depend on the chosen funding method and account type; low thresholds enable wide access.

What methods of funding are supported?

Supported methods include cash deposits, mobile money (M-Pesa), bank transfers, and cheque deposits.

Are there fees for funding?

Fees depend on funding method; cash and cheque deposits at branches are often free, while mobile payments may incur a charge.

What are the minimum funding amounts?

Minimum funding amounts are set per account type; mobile deposits may start as low as KES 10–50.

How quickly are funds credited when funding?

Cash and mobile money transfers are credited instantly or within minutes; cheque deposits may take longer.

How can money be withdrawn from the system?

Withdrawals can be made via ATM, over the counter, or by transferring funds to another bank or mobile wallet.

What withdrawal methods are available?

ATMs, branch counters, and mobile money withdrawals are the main options offered.

Are there fees for fund withdrawal?

Withdrawal fees apply for ATM use, cross-bank withdrawals, and mobile money sends, depending on the channel.

How long does withdrawal take?

ATMs and branch withdrawals are instant; interbank transfers may take 1–2 business days.

What withdrawal limits are set?

Withdrawal limits vary by account type, the withdrawal method, and verification status.

How quickly are funds credited when funding with a card?

Card-based funding is usually credited instantly or within minutes.

How long does a bank transfer take?

Domestic transfers can be instant or same-day; international transfers may take up to 3 business days.

How quickly do cryptocurrency transfers arrive?

Cryptocurrency transfers are not supported.

Are transfers between users instant?

Internal transfers between Standard Chartered Kenya account holders are generally processed instantly.

Are there delays when funding on weekends?

Funding via digital channels is generally instant, but interbank credits may be delayed.

Do holidays affect funding speed?

Processing times for certain funding channels may be affected by national or bank holidays.

Can crediting be accelerated for a fee?

Express crediting is not standard, but high-value clients may request expedited handling.

What determines the speed of funding processing?

Processing speed is determined by payment method, time of day, technical issues, and anti-fraud checks.

Are there notifications about funding status?

Customers receive SMS, email, or app push notifications about funding and transaction statuses.

What to do if funding takes too long?

Contact customer support, provide transaction details, and confirm compliance with funding method requirements.

How quickly are withdrawal requests processed?

Instant for cash/ATM, up to several hours or one business day for interbank or mobile money withdrawals.

How long does card withdrawal take?

ATM withdrawals are instant; branch counter withdrawals may require identity verification and take longer.

How quickly do bank transfers arrive?

Local bank transfers are same-day or next-day; international transfers can take 1–3 business days.

Are cryptocurrency withdrawals instant?

Cryptocurrency withdrawals are not supported.

Are there withdrawal delays on weekends?

Withdrawal processing via ATMs is instant, but interbank and mobile channels may experience delays.

Do holidays affect withdrawal speed?

Withdrawal speeds can be affected by local and international public holidays, especially for bank transfers.

Can withdrawal be accelerated for an additional fee?

Expedited withdrawal is not customer-facing for personal accounts but may be available for select corporate clients.

What determines withdrawal processing time?

Withdrawal speed depends on method, time of request, account verification, and anti-fraud controls.

Are there notifications about withdrawal status?

Customers are notified of withdrawal status via SMS, email, or app notifications.

Can a withdrawal request be canceled?

Withdrawal cancellation depends on the status; ATM withdrawals are final, but pending transfers may be canceled by contacting support early.

How to register with the payment service?

Registration can be done online or at a branch by providing identity details, address, and KYC documents.

Can registration be done without email?

Registration ideally requires an email, but alternatives like phone number registration may be offered in-branch.

Is phone confirmation required during registration?

Phone number confirmation is typically required for digital account setup.

Are there age restrictions for registration?

Applicants must be at least 18 years old to register for banking services.

Is it required to provide real data?

Accurate, verifiable information is required for compliance with legal, regulatory, and anti-fraud policies.

Can registration be done through social networks?

Social network-based registration is generally not supported; traditional verification is used.

Are there country restrictions for registration?

Registration is restricted to Kenyan residents or businesses meeting local regulatory requirements.

What verification levels exist?

There are tiered verification levels with increasing transactional limits and access to services based on documentation.

What documents are required for basic verification?

National ID, KRA PIN, proof of address, and phone contact are typically required for entry-level verification.

Are documents needed for full verification?

Additional documents such as income proof, employer letter, or business registration may be required for higher verification.

Are digital copies of documents accepted?

Digital copies and scans of documents are accepted for online registration and verification processes.

How long does the verification procedure take?

Verification may take from a few minutes up to 24–48 business hours depending on workload and document sufficiency.

Can the service be used without verification?

Limited services may be available without full verification, but most functions require identity verification.

What restrictions apply to unverified users?

Unverified users face limited transaction amounts, fewer services, and lower account security levels.

Is address confirmation required?

Proof of address is required as part of KYC and anti-money laundering procedures.

Is a selfie with documents required?

A selfie with documents may be required during enhanced due diligence or full digital onboarding.

How often do documents need to be updated?

Document updates are required periodically, typically every few years or upon expiration or regulatory review.

What encryption technologies does the service use?

Utilizes SSL/TLS encryption and secure network protocols for online and mobile services.

Is two-factor authentication supported?

Two-factor authentication (2FA) is supported for account access and select sensitive operations.

Are there SMS confirmations for operations?

SMS verification codes are sent for transactional confirmations and security alerts.

Is biometric authentication supported?

Biometric login (Face ID, fingerprint) is available on supported smartphones via the Standard Chartered mobile app.

Is blockchain technology used?

Blockchain is not currently implemented in consumer payment services.

Is there a multi-level security system?

Multi-factor security is standard, including device registration, OTPs, 2FA, and behavioral monitoring.

How is user personal data protected?

User data is protected through strict privacy policies, encryption, secure storage, and adherence to data protection laws.

Is cold storage used for cryptocurrencies?

Not applicable, as cryptocurrency services are not offered.

Is there DDoS attack protection?

Advanced DDoS protection and cybersecurity measures are in place for all online services.

Are regular security audits conducted?

Regular audits are performed by internal teams and external security experts.

What anti-phishing protection measures are provided?

Education, secure web domains, transaction alerts, and real-time fraud monitoring protect against phishing.

Is there a suspicious activity detection system?

Advanced automated monitoring systems detect and flag suspicious transactions for review.

How does the service combat money laundering?

Employs transaction monitoring, risk scoring, and robust KYC to prevent and report suspicious activity.

What to do when fraud is detected?

Customers should immediately notify the bank via official contact channels to trigger investigation and remedial action.

How to report suspicious activity?

Suspicious activity can be reported via phone, email, in-branch, or through online platform complaint forms.

Is there compensation for damage from fraudsters?

Compensation is reviewed case-by-case, often dependent on proof of customer diligence and internal investigations.

What user rights exist for disputed transactions?

Users have rights to dispute unauthorized or erroneous transactions per bank policies and industry regulations.

Is there insurance against cyber attacks?

Institution-level cyber insurance may be in place, but individual consumer losses are generally handled via fraud reimbursement policies.

What fees does the service charge for transfers?

Fees for transfers vary by type—internal transfers are often free, others depend on channel and value.

Are fees charged for fund withdrawal?

Withdrawal fees apply to ATM use, interbank, and mobile money channels as per the tariff schedule.

Are there fees for currency conversion?

A margin is applied to the exchange rate as the primary conversion fee.

Are fees charged for operation cancellation?

Most operation cancellations are free if initiated early; completed operations may incur reversal charges.

Are there fees for expedited operations?

Expedited or express service fees apply for urgent wire transfers or special processing requests.

Are there hidden fees?

All applicable fees are disclosed in the public tariff guide; customers are urged to review official materials to avoid surprises.

How are fees calculated for large amounts?

Larger transactions may incur tiered or percentage-based fees according to value brackets.

Are there different tariff plans in the service?

Different account types, such as personal, premium, and business, come with distinct pricing structures.

What advantages does VIP status provide?

VIP clients receive preferential rates, higher transaction limits, exclusive offers, and dedicated support.

How to get preferential conditions?

Preferential terms may be granted based on relationship value, account type, or by direct negotiation.

Are there free operations per month?

Selected account types offer a number of free internal transfers or ATM withdrawals each month.

Are there discounts for active users?

Volume discounts or loyalty-based rebates may be offered to highly active or premium clients.

Are there corporate tariffs?

Corporate clients benefit from specialized tariff plans tailored to business transaction volumes and needs.

Can individual conditions be obtained?

High-value clients can negotiate custom pricing and transaction terms.

Do promotional codes work for fee reduction?

From time to time, promotional codes or campaigns may offer fee reductions.

Are there cashback programs?

Cashback or reward programs are occasionally run, often tied to specific card products or partnerships.

Are there discounts for transaction volumes?

Large business clients may benefit from reduced rates based on monthly transaction volume.

Is there an official mobile application?

Yes, the Standard Chartered Mobile Kenya app is the official application.

On which platforms is the application available?

Available for iOS on the App Store and Android on Google Play.

What functions are available in the mobile application?

The app supports balance checks, funds transfer, bill payments, account management, card services, and customer support.

Does functionality differ from the web version?

Mobile and web offer similar core banking features, with some app-exclusive services like biometric login.

Is Touch ID/Face ID supported?

Both Touch ID and Face ID or Android biometrics are supported for secure app login.

Can the application work offline?

The mobile app requires internet connectivity for most functionality; offline access is not supported.

Are there push notifications about operations?

Users receive push notifications about transactions, alerts, and important account events.

Is dark theme supported?

Dark mode is available in the latest versions of the mobile app.

How often is the mobile application updated?

Updates are typically rolled out monthly or quarterly based on security and feature enhancements.

Are there beta versions of the application?

Beta testing programs may exist for select users to trial new features.

Is the web interface of the service convenient?

The web platform is designed to be intuitive, with responsive layouts and clear navigation.

Is responsive design supported?

The web interface is responsive and accessible from both desktop and mobile browsers.

In which languages is the interface available?

English and Swahili interfaces are supported.

Can personalization be configured?

Users can personalize dashboards, notification settings, and linked account views.

Is there a night mode for the website?

Night or dark mode may be available on the website or browser-enabled.

Are hotkeys supported?

Browser-based hotkeys may work, though custom hotkey support is limited.

Can data be exported?

Account statements and transaction histories can be exported in PDF or Excel format.

Is there an API for developers?

APIs for corporate users and partners are available, enabling integration with payroll and payment systems.

Is integration with other services supported?

Yes, integration with mobile money, billers, and some accounting platforms is supported.

How often is the web interface updated?

Web updates are released periodically, usually quarterly, with feature enhancements and security patches.

Are there virtual cards in the service?

Virtual cards are offered for digital payments and card control functions.

Can disposable cards be created?

Disposable or single-use virtual cards are not standard but may be introduced for security-focused customers.

Is multi-currency account functionality supported?

Multi-currency accounts are available for eligible clients, especially business and premium tiers.

Are there investment products?

Investment options include fixed deposits, mutual funds, and forex services.

Can interest be earned on balance?

Interest is paid on savings and fixed deposit balances per published rates.

Are there credit products?

Credit cards, personal and business loans, and overdrafts are available.

Is P2P trading supported?

Peer-to-peer trading is not supported within consumer retail banking services.

Can cryptocurrencies be bought/sold?

Cryptocurrency trading services are not available.

Is there acquiring for business?

Merchant acquiring and payment gateway services are provided for businesses.

Are mass payouts supported?

Mass payouts and bulk payment services are available for business and institutional clients.

Is there a loyalty program in the service?

Loyalty and rewards programs are available for select cardholders and high-value clients.

How are bonus points earned?

Bonus points are earned through transaction volume or use of qualifying products and services.

What can accumulated points be spent on?

Points may be redeemed for shopping vouchers, travel rewards, or service discounts depending on the program.

Is there cashback for operations?

Cashback offers apply mainly to credit card customers during promotional periods.

Are there referral programs?

Referral programs may be conducted periodically for customer acquisition drives.

What privileges do VIP clients have?

Dedicated managers, higher limits, priority service, preferential rates, and exclusive offers are some VIP privileges.

Are there seasonal promotions and offers?

Various promotions are run seasonally, targeting both retail and business customers.

Can premium status be obtained?

Premium account status is available based on qualifying criteria like account balance or income.

Are there partner discounts?

Discounts are available through affiliated merchants and service partners.

Are there corporate loyalty programs?

Corporate loyalty initiatives are typically tailored for commercial clients meeting specific criteria.

Does the service allow operations with online casinos?

Standard Chartered generally does not support transactions directly with online casinos due to policy and regulatory restrictions.

Are there restrictions on gambling transactions?

Restrictions are in place; gambling-related transactions may be blocked or flagged in accordance with policy.

Can accounts be blocked for casino play?

Accounts can be flagged or blocked if used for prohibited gambling activity per terms.

How does the service view gambling?

Maintains a cautious approach, focusing on regulatory compliance and responsible banking.

Are there special conditions for gambling?

Typically, gambling transactions are restricted and not encouraged.

Are casino transactions tracked?

Gambling transactions are tracked for risk and regulatory compliance.

Can operations with gambling sites be hidden?

Transactions are transparently recorded on statements for compliance and accountability.

Are there notifications about gambling expenses?

Notifications are not specifically tailored for gambling expenses unless requested.

Are there special fees for gambling operations?

Special fees do not apply, but transactions may be blocked.

Can limits be set on gambling?

Spending limits may be set through card controls or by customer request.

Is there a self-exclusion function?

Formal self-exclusion features may not be standard; account controls can be requested for risk management.

Can access to gambling sites be restricted?

Blocks can be placed on cards or accounts to prevent gambling site transactions.

Is gambling expense control supported?

Gambling expenditure control is achievable through account spending limits and controls.

Are there notifications about limit exceedance?

Alerts are provided if spending or transaction limits are exceeded.

Can operations with casinos be blocked?

Yes, at the discretion of the bank due to policy or customer request.

Is there gambling expense statistics?

Detailed analytics for gambling expenses are typically not standard but can be monitored via transaction history.

Is a "cooling-off period" supported?

Cooling-off periods for gambling are not standard features, but temporary account blocks can be requested.

Can help be obtained for gambling addiction?

The bank may refer customers to external support organizations for assistance with gambling addiction.

Is there partnership with player assistance organizations?

No formal partnerships, but information and referrals to assistance organizations may be given on request.

How to set up gambling expense notifications?

Customers can set up custom alerts for certain transaction types via online banking or app settings.

Which online casinos accept this payment method?

Acceptance of Standard Chartered cards or accounts at online casinos varies and is subject to merchant and policy restrictions.

Are there exclusive partnerships with specific casinos?

There are no known partnerships between Standard Chartered Kenya and online casinos.

Do conditions differ when used in different casinos?

Transaction policies are uniform, but merchant acceptance and restrictions may vary platform to platform.

Are there special bonuses for using this method in casinos?

No special bonuses are provided by the bank for transactions with online casinos.

Can the method be used for both deposits and withdrawals in casinos?

Standard Chartered generally restricts casino-related payments and withdrawals, subject to policy.

Are there geographic restrictions for casino usage?

Kenyan and international rules may restrict gambling transactions in certain jurisdictions and with certain merchants.

How do casino operators typically process transactions from this method?

Standard payment card or bank transfer processing is used, subject to compliance checks.

Are there typical processing times when used with casinos?

If allowed, processing times are similar to regular card or bank transactions, usually instant or within one business day.

Do casinos usually charge additional fees for this method?

Online casinos may impose their own fees for deposits or withdrawals; bank-imposed fees may also apply.

Are there any known compatibility issues with major casino platforms?

Compatibility may be affected by banking policy and merchant acquisition agreements; many platforms block Kenyan banks/cards by default.