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M-PESA

Paid#34 of 81 in Money Transfer AppsDigital Wallet Apps Mobile Payment Apps Peer-to-Peer Payment Apps

M-PESA: A broad mobile-money service for wallet transfers, cash access, bills and remittances. Ranked #34 of 81 in Money Transfer Apps by our editors (5.5/10); pricing: Paid; best for mobile-money users needing remittance access.

5.5/10Editor score

Visit M-PESA

M-PESA5.5 Visit M-PESA

At a glance

Editor score
5.5 / 10
Pricing
Paid
Best for
Mobile-money users needing remittance access
Founded
2007 · Nairobi, Kenya
Facts checked
20 Sep 2026

Where it wins
- Supports wallet transfers, cash deposits, withdrawals and cash pickup
- Combines bills, merchant payments, airtime and data purchases
- Offers scheduled payments and international remittances
Where it doesn't
- Fees vary by transaction band and service
- Designed for Safaricom subscribers in supported markets
- International transfers use selected services and destinations

Our verdict on M-PESA

M-PESA is Safaricom’s mobile-money platform for sending and receiving money, paying bills and merchants, buying airtime and data, depositing cash, and withdrawing funds. It is aimed at mobile-money users who need everyday payment tools alongside domestic or international remittance access. Customers can access the service through iOS and Android apps, USSD, SIM Toolkit, authorized agents and selected ATMs. The platform supports wallet and cash recipient methods, with balance views, transaction information and biometric payment authentication.

Pricing is transaction-based rather than subscription-based. Fees vary by transaction band and service, making the cost structure relevant to users who move different amounts or use different payment routes. M-PESA Ratiba adds scheduled and automatic payments, which suits recurring obligations and planned transfers. The broader payment scope also includes bills, merchants, airtime and data services, so the product can cover several routine money tasks in one service. Users choosing M-PESA should review the applicable transaction fee before sending money or withdrawing cash.

M-PESA’s ecosystem fit is a central part of its scope. It connects with the Safaricom mobile network, banks, ATMs, other mobile-money networks and Western Union. International remittances can reach bank accounts or cash-pickup locations, while domestic activity can use M-PESA wallets, agents and supported cash channels. That breadth makes it a strong fit for Safaricom subscribers who want wallet access, physical cash options and remittance capabilities together. It is less suitable for people outside supported markets or for buyers seeking a standalone subscription product with a single universal fee structure.

Your product? Our editors can test M-PESA in depth and publish a review, labelled as paid · from $149/mo →

M-PESA pricing

Plans PaidPaid No free plan — trial or paid only. Prices checked 20 Sep 2026.

See plans on safaricom.co.ke

M-PESA fact sheet

Free plan	Not verified
Paid from	Not verified
Recipient methods	Not verified
Transfer speed	Not verified
Exchange-rate model	Not verified
Mobile platforms	Both
Upfront fee display	Not verified
Transfer tracking	Not verified
Scheduled transfers	Yes
Deployment	Mobile
Platforms	iOS, Android
Compliance & security	2FA
Support	Email, Docs
Built for	Solo, Small business, Mid-market, Enterprise (editorial estimate)
Integrations	5 integrations: Safaricom mobile network, banks, ATMs, mobile-money networks, Western Union
Pricing	Paid (source)
Website	safaricom.co.ke
Facts checked	20 Sep 2026

M-PESA integrations

M-PESA lists 5 integrations on its own site.

Safaricom mobile network
banks
ATMs
mobile-money networks
Western Union

Alternatives to M-PESA

See all M-PESA alternatives →

Also Ranked In

M-PESA is ranked in 4 of our directories.

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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used M-PESA for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.

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Featured on iTechGuides

M-PESA is listed in our Money Transfer Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update