M-Pesa logo
regional Nairobi, Kenya

M-Pesa

Africa's pioneering mobile money platform, launched in Kenya in 2007 and now operating across 10 countries. M-Pesa revolutionized financial services by enabling users to send money, pay bills, and make purchases using just a mobile phone, without needing a bank account. The dominant payment method in East Africa, essential for any business operating in Kenya, Tanzania, or the broader region.

Fees from
1-3%
Settlement
Instant
Coverage
10 countries
Payment methods
5
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with M-Pesa before signing. Visit Website is an external link; we may earn a commission.

M-Pesa overview

Best for

African Mobile Money

Key features

Instant Payments
Startup Friendly

M-Pesa pricing & fees

Pricing structure

Pricing
1-3%
Your business must be registered in
Not disclosed
Headquarters
Nairobi, Kenya
Founded
2007

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M-Pesa settlement & payouts

Payouts

Settlement time
Instant
Settlement currencies
Not collected yet

M-Pesa API & integration

API Profile

Sandbox
Available
Webhooks
Supported

Platforms

MobileOnline

Official SDKs

JAVANodePHP

M-Pesa coverage & payment methods

Regions

Africa

Supported countries

10 countries
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Payment methods

Bank TransferM PesaMobile MoneyQr CodeUssd

M-Pesa licensing & compliance

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Licenses, regulators, registry records and legal entities for M-Pesa — free with a PaymentProviders account.

1 legal entity

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Using ChatGPT or Claude? Ask it to prepare your application to M-Pesa. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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