M-PESA

Name: M-PESA
Author: M-PESA

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What M-PESA is

M-PESA is Safaricom’s mobile money service for sending, receiving, depositing, withdrawing, and accessing funds. Customers can deposit cash through an authorized agent using a phone and original ID, then send money to registered or unregistered mobile numbers through STK, the M-PESA Super App, or Safaricom App. Withdrawals are available through agents, ATMs, STK, apps, or USSD *334#, depending on the service. Lipa Na M-PESA enables phone payments for goods and services. M-PESA Global supports international transfers, including bank transfers and Western Union cash pickup. Customers with mobile banking can move money between a bank and M-PESA account. Hakikisha helps verify the intended recipient before confirmation. M-PESA GlobalPay is a virtual Visa card linked to the wallet for international online merchants; Safaricom says it remains app-only to help avert fraud. The service supports Android and iOS, plus app, USSD, and SIM Toolkit channels. Transaction charges depend on service and amount.

Who it suits

M-PESA suits customers needing mobile transfers, cash access, merchant payments, or international remittances. It is available through Android and iOS apps as well as USSD and SIM Toolkit channels.

What it does well

Send money to registered or unregistered numbers
Cash deposits through authorized agents
International transfers and Western Union pickup
Recipient verification with Hakikisha
Bank-to-wallet transfers

What to know first

Transaction charges vary by service and amount
Available channels vary by service
GlobalPay is app-only
Cash deposits require an original ID

Limits

Transaction charges vary by service and amount. M-PESA GlobalPay is restricted to the app, and each service may offer different access channels.

Plans

Plan	Billed and limits	Price
M-PESA	Transaction charges depend on service and amount; check current rates on Safaricom’s M-PESA Rates page	On request

As safaricom.co.ke lists them, read 9 Oct 2026. The maker's own page has the final word.

Getting started

Open the M-PESA website
Use an Android or iOS device
Install the M-PESA, My Safaricom or Safaricom app as appropriate
Deposit cash through an authorized agent using a phone and original ID
Use STK, USSD *334# or SIM Toolkit where the service supports it
Check current transaction rates on Safaricom’s M-PESA Rates page

Verdict

M-PESA covers everyday mobile money, merchant payments, banking transfers, and international transactions through several channels. Users should check current rates and which channel supports their intended service.

Questions

What devices support M-PESA?

M-PESA supports Android and Apple iOS devices. Services are also available through USSD, SIM Toolkit and supported Safaricom apps.

Can M-PESA send money internationally?

Yes. M-PESA Global supports international sending and receiving, including bank transfers and cash pickup at Western Union locations.

Can businesses integrate M-PESA?

Yes. Safaricom’s Daraja API portal lets businesses and developers integrate with M-PESA.

How does M-PESA GlobalPay work?

It is a virtual Visa card linked to the M-PESA wallet for payments to international online merchants. Safaricom says it remains available only in the app to help avert fraud.

What does M-PESA cost?

M-PESA uses a paid model. Transaction charges depend on the service and amount.

Facts from M-PESA's own pages

Bank transfers: Customers registered for mobile banking and M-PESA can transfer money between their bank and M-PESA account. · safaricom.co.ke, 9 Oct 2026
Business integrations: Safaricom’s Daraja API portal enables businesses and developers to integrate with M-PESA. · safaricom.co.ke, 9 Oct 2026
Cash deposits: Customers can deposit cash into an M-PESA account through an authorized agent using a phone and original ID. · safaricom.co.ke, 9 Oct 2026
Cash withdrawals: Registered customers can withdraw through an agent, an ATM, STK, the M-PESA Super App, the My Safaricom App or USSD *334#. · safaricom.co.ke, 9 Oct 2026
Founded: 2007 · safaricom.co.ke, 28 Sept 2026
Fraud prevention: Safaricom says M-PESA GlobalPay was removed from USSD and remains available only in the app to avert fraud. · safaricom.co.ke, 9 Oct 2026
Hakikisha: Hakikisha lets customers verify the intended recipient before confirming an M-PESA transaction. · safaricom.co.ke, 9 Oct 2026
Headquarters: Nairobi, Kenya · safaricom.co.ke, 28 Sept 2026
International transfers: M-PESA Global supports sending and receiving money internationally, including transfers to bank accounts and cash pickup at Western Union locations. · safaricom.co.ke, 9 Oct 2026
Merchant payments: Lipa Na M-PESA lets customers pay for goods and services using their phone. · safaricom.co.ke, 9 Oct 2026
Mobile app devices: The My Safaricom statement feature is available to subscribers using Android and Apple iOS devices who have installed the app. · safaricom.co.ke, 9 Oct 2026
Mobile money: M-PESA lets customers send, receive and access money through Safaricom’s service. · safaricom.co.ke, 9 Oct 2026
Mobile platforms: both · safaricom.co.ke, 20 Sept 2026
Online payments: M-PESA GlobalPay is a virtual Visa card linked to the M-PESA wallet for payments to international online merchants. · safaricom.co.ke, 9 Oct 2026
Scheduled transfers: Yes · safaricom.co.ke, 20 Sept 2026
Security: The M-PESA statement service requires customers to enter their secret M-PESA PIN to access statements. · safaricom.co.ke, 9 Oct 2026
Send money: Customers can send money to registered and unregistered mobile numbers through STK, the M-PESA Super App or the Safaricom App. · safaricom.co.ke, 9 Oct 2026
Supported channels: M-PESA services are available through the M-PESA app, My Safaricom app, USSD *334# and SIM Toolkit, with the available channel varying by service. · safaricom.co.ke, 9 Oct 2026