# M-Pesa — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** African Mobile Money
- **Fees:** 1-3%
- **Fee range:** 1%–3%
- **Fee model:** flat-rate
- **Headquarters:** Nairobi, Kenya
- **Founded:** 2007
- **Settlement time:** Instant
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** regional
- **Regions:** africa
- **Countries served:** 10 (AF, CD, EG, ET, GH, KE, LS, MZ, TZ, ZA)
- **Payment methods:** bank_transfer, m_pesa, mobile_money, qr_code, ussd
- **Features:** instant-payout, startup-friendly
- **Platforms:** mobile, online
- **SDKs:** java, node, php
- **API docs:** https://developer.safaricom.co.ke/APIs/MpesaAPIs

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/m-pesa#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=m-pesa&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/m-pesa

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)