Kenya's Mobile Money Backbone
M-PESA is a mobile money platform in Kenya that enables transfers, bill payments, and access to financial services without a bank account. As a widely used mobile payment service in 2026, it operates across both urban and rural areas, including on basic mobile devices. For publishers, M-PESA helps expand reach by enabling mobile-first payments across a broad and inclusive user base.

Agent network
Adult population usage
Active customers
Market share of mobile money
Annual transaction value
| Supported features | |
|---|---|
| Exclusive payment method outside of App Store (Apple) | |
| Exclusive payment method outside of Google Play (Android) | |
| PO Model Available | |
| Refunds | |
| Local Entity Required | |
| Supports Recurring | |
| Supports Marketing Co-Promotion | |
| Settlement | Within 30 days |
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