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.
- 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.
- Ziidi: Ziidi MMF is a unit trust fund that enables M-PESA customers to invest in a money market fund and earn competitive daily interest.
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.
- M-Pesa Agent: 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.
M-PESA Bulk Payment (B2C) are facilitated in real-time, commonly utilized for purposes such as salary disbursements, payments from NGOs or government entities, and managing petty cash.
Business-to-Business (B2B) transactions, enabling seamless transfers between businesses. To enhance security and accuracy during disbursements.
