M-Pesa Services | mpesa.co.ke

M-Pesa for Individuals

These are the fundamental services that allow users to manage their money on their mobile phones.

Send Money: This is the primary function of M-Pesa, allowing users to send money in real-time to other M-Pesa users. It is also possible to send money to non-M-Pesa users.
Deposit Cash: Users can convert physical cash into e-money at any of the numerous M-Pesa agent outlets.
Withdraw Cash: Users can convert the e-money in their M-Pesa account back into physical cash at any agent point or at M-Pesa-enabled ATMs.
Buy Airtime and Bundles: You can purchase Safaricom airtime, data, voice, and SMS bundles directly from your M-Pesa wallet.
Tuma Popote: A service that allows you to send money to a non-Safaricom number, a bank account, or a SACCO directly from M-Pesa.

M-Pesa for Business

M-Pesa offers a range of services designed for businesses, from small-scale merchants to large corporations.

M-Pesa Business Till: A solution for businesses to collect payments from customers via the "Buy Goods" service. It allows for higher transaction and account limits and provides access to business-specific tools.
M-Pesa for Business App: A mobile application that enables business owners to easily manage their M-Pesa accounts, track transactions, view statements, and make payments to suppliers or employees directly from the business till.
Pochi la Biashara: A business wallet for micro-merchants that separates business funds from personal M-Pesa funds, making it easier to manage finances and business transactions.
M-Pesa APIs: M-Pesa provides APIs that allow developers and businesses to integrate M-Pesa payment solutions into their websites, applications, and other systems.
Fuliza for Business (Fuliza ya Biashara): An overdraft facility for business tills that helps businesses to make payments even with an insufficient balance.
M-Pesa Taasi Till Loan: A loan facility for business till customers.
M-Pesa Taasi Pochi: for entrepreneurs who use the Pochi la Biashara wallet service.

Payments and Financial Services

M-Pesa has expanded beyond simple money transfers to become a major platform for payments, savings, and credit.

Lipa na M-Pesa (Pay with M-Pesa): This service enables customers to make cashless payments for goods and services. It includes:
- Pay Bill: For paying utility bills, school fees, taxes, and other services to registered organizations with a specific Pay Bill number.
- Buy Goods and Services (Till Number): For making payments to merchants like supermarkets, restaurants, and retail shops.
Fuliza: An overdraft facility that allows eligible M-Pesa customers to complete M-Pesa transactions even when they have insufficient funds in their accounts. The overdraft is automatically repaid the next time you top up your M-Pesa account.
M-Shwari: A mobile savings and loan service offered in partnership with a bank. It allows users to save money in an interest-earning account and to access micro-loans.
KCB M-Pesa: A similar service to M-Shwari, offered in partnership with KCB Bank. It provides a savings account and mobile loans to M-Pesa users.
Halal Pesa: A Shari'ah-compliant mobile financing solution that provides interest-free loans to customers in partnership with Gulf African Bank.
M-Pesa Ratiba: A feature that allows users to schedule recurring payments, such as utility bills or rent, ensuring they are paid on time without manual intervention.
MALI: A wealth management product that allows M-Pesa users to invest in different funds based on their risk appetite.

M-Pesa Global Services

These services facilitate international money transfers, connecting M-Pesa to the global financial system.

M-Pesa Global: A service that enables M-Pesa customers to send and receive money from various countries around the world.
M-Pesa to PayPal: Allows users to link their PayPal account to M-Pesa to withdraw funds from their PayPal account or top up their PayPal balance.
M-Pesa GlobalPay: A virtual VISA card that is linked to your M-Pesa account, enabling you to make payments on international websites for online shopping.

Other M-Pesa Services and Features

M-Pesa Reversal (Hakikisha): A service that allows users to confirm the recipient's name before completing a transaction. It also has a self-reversal feature that enables users to reverse a wrong transaction by forwarding the message to a shortcode.
M-Pesa GO: A service designed to help parents manage their children's money, allowing them to send money to their child's account and monitor their spending.
Booking and Tickets: M-Pesa is integrated with various platforms, allowing users to pay for services like Madaraka Express train tickets and bus tickets.
M-Pesa Agents: A network of agents who provide physical cash deposit and withdrawal services to customers, earning a commission on transactions.

Account Management

These are tools for managing your M-Pesa account and tracking your transactions.

Balance Inquiry: Check your current M-Pesa account balance.
Mini-Statement: View the last few transactions on your account.
M-Pesa Statement: Request a full, detailed statement of all your transactions for a specific period via email.
Change or Reset PIN: Secure your account by changing your PIN or resetting it if you forget it.

Payment Disbursement Solutions

M-Pesa provides robust solutions for businesses to manage their outgoing payments.

Organization-to-individual payments are facilitated in real-time, commonly utilized for purposes such as salary disbursements, payments from NGOs or government entities, and managing petty cash.

Bulk Payments (B2C) service is specifically designed for businesses to make large-scale payments to consumers, streamlining high-volume transactions efficiently.

Business-to-Business (B2B) transactions, enabling seamless transfers between businesses. To enhance security and accuracy during disbursements.

Payment Validation by verifying recipient names and phone numbers, ensuring funds are sent to the correct individuals. Furthermore, M-Pesa simplifies the process for businesses to manage and pay their utility bills and taxes.