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M-Pesa Business

M-Pesa Business

Kenyan M-Pesa Merchant

VS

Mastercard Send

Real-Time Disbursements to Mastercards

Mastercard Send
Fees from
Custom vs Per-transaction
Features

2 shared

1 unique to M-Pesa Business
Regions

1 shared

4 unique to Mastercard Send
Pay methods

1 shared

1 unique to M-Pesa Business · 8 unique to Mastercard Send
On settlement

M-Pesa Business settles in Instant; Mastercard Send settles in Instant. Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 5 regions. We don't rank these — they're here for reference.
M-Pesa Business M-Pesa Business
Mastercard Send Mastercard Send
Quick Facts
Fees
Standard transaction rate
Custom
Per-transaction
Settlement
Time to receive funds
Instant
Instant
Founded
2007
2016
Headquarters
Kenya
Purchase, New York
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
M-Pesa Business leads (3 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
Mastercard Send leads (9 vs 2)
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Samsung Pay Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Mastercard Send leads (5 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓

M-Pesa Business is best when you...

Kenyan M-Pesa Merchant
Need Low Fees
Not available with Mastercard Send
View M-Pesa Business

Mastercard Send is best when you...

Real-Time Disbursements to Mastercards
Want coverage in Asia, Europe, Middle East, North America
M-Pesa Business doesn't cover these regions
View Mastercard Send

Frequently Asked Questions

What is the difference between M-Pesa Business and Mastercard Send?
They share 1 payment method and 1 region. M-Pesa Business adds Mobile Money that Mastercard Send does not list; Mastercard Send adds Alipay, Amex, Apple Pay and 5 more that M-Pesa Business does not list; Mastercard Send also covers Asia, Europe and 2 more; only M-Pesa Business offers Low Fees.
Which is cheaper, M-Pesa Business or Mastercard Send?
M-Pesa Business has custom pricing quoted on engagement; Mastercard Send has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use M-Pesa Business and Mastercard Send?
M-Pesa Business lists 1 region and 2 payment methods; Mastercard Send lists 5 and 9. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do M-Pesa Business and Mastercard Send compare on integration and settlement?
M-Pesa Business offers a sandbox, Mastercard Send does not list one; both support webhooks; M-Pesa Business settles in Instant, Mastercard Send in Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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