M-Pesa

Kenya’s pioneering mobile money service enabling instant transfers, payments, and financial access through mobile phones

Overview

M-Pesa is a mobile money platform developed by Safaricom that transformed Kenya’s financial landscape by enabling users to send, receive, and store money securely on their mobile phones. Launched in 2007, it became one of the world’s most successful fintech innovations and a cornerstone of financial inclusion in Africa. M-Pesa allows customers to perform a wide range of financial activities — including person-to-person transfers, bill payments, and merchant transactions — without needing a traditional bank account

Key Services / Solutions

M-Pesa provides real-time domestic and international money transfers, airtime purchases, merchant payments, and access to savings and microloans Users can deposit or withdraw cash through an extensive network of agents and integrate with banks for seamless fund transfers Businesses use M-Pesa for salary payments, e-commerce transactions, and utility bill settlements The service also supports integration with digital wallets and global remittance providers, extending financial reach across borders

Supported Payment Methods

Mobile number-based transfers through Safaricom SIM-linked accounts

QR code and till number payments at participating merchants

Cross-border remittance links with regional and international partners

Target Markets / Regions

M-Pesa operates primarily in Kenya, serving millions of consumers and businesses nationwide The platform has expanded to other African markets including Tanzania, Mozambique, and Ghana In Kenya, it remains the dominant mobile payment system, connecting urban and rural users and supporting the government’s digital economy initiatives

Strengths / Differentiators

Pioneering mobile money platform driving financial inclusion in Africa

Extensive agent network covering urban and rural regions

Reliable, secure, and instant transactions for all user segments

Integration with banks, fintechs, and remittance providers

Proven model for large-scale digital financial ecosystems

Want to know more about M-Pesa?
Contact Bizz2Pay today to discuss your requirements or get introduced to the right M-Pesa team member or Payment Provider accepting M-Pesa