M-Pesa mobile money payments in Kenya
M-Pesa & Mobile Money

Compare Mpesa loans, business tools, international transfers, and daily payments – all in one place.

Mpesa Loans

M-Shwari Safaricom + NCBA

M-Shwari is a savings and loan service available inside Mpesa. Your loan limit grows based on your savings and Mpesa usage.

Interest7.5%
Repayment30 days
RequirementsMpesa account + national ID
Best forSmall emergency loans

KCB Mpesa

KCB Mpesa offers higher limits for users with strong Mpesa activity. Loan limits increase with savings and repayment history.

Interest7.5%
Repayment30 days
RequirementsMpesa + KCB Mpesa account
Best forMedium-sized short-term loans

Fuliza

Fuliza is an overdraft service that allows you to complete payments even when your Mpesa balance is low.

ChargesDaily fees + access fee
RepaymentAuto-deduct from incoming Mpesa
RequirementsActive Mpesa usage
Best forCompleting urgent payments

Lipa na Mpesa

Paybill

Use Paybill numbers to pay organisations and services such as:

  • KPLC
  • Nairobi Water
  • NHIF
  • NSSF
  • Schools
  • Government services

Paybill is ideal for bills and official payments.

Buy Goods Till Number

Used for everyday purchases:

  • Supermarkets
  • Shops
  • Restaurants
  • Small businesses

Buy Goods transactions usually have no extra charges for the customer.

Paybill vs Buy Goods

Buy Goods No customer fees
Paybill Some services may charge fees

Mpesa Business Tools

Pochi la Biashara

A simple business wallet for small traders who don't have a business line.

  • Keeps personal and business money separate
  • Accepts Buy Goods payments
  • No need for a business registration

Business Till

For established businesses such as shops, restaurants, and supermarkets.

  • Accept payments
  • View statements
  • Withdraw to bank
  • Manage staff access

Mpesa for Business App

A full dashboard for business owners:

  • Track payments
  • View statements
  • Manage tills
  • Withdraw funds
  • Monitor daily transactions

Bulk Payments

Used by companies to pay:

  • Salaries
  • Suppliers
  • Refunds
  • Incentives

International Transfers (Mpesa + Global Services)

Wise

  • Best exchange rates
  • Low fees
  • Direct Mpesa deposit
  • Fast transfers

WorldRemit

  • Supports many countries
  • Mpesa payout
  • Fast delivery

Sendwave

  • Popular for US/UK → Kenya
  • Zero fees on many routes
  • Instant Mpesa deposit

Remitly

  • Express transfers
  • Mpesa deposit within minutes
  • Good for urgent transfers

PayPal → Mpesa

  • Withdraw PayPal balance directly to Mpesa
  • Fast settlement
  • Ideal for freelancers and online sellers

Comparison Points

Fees Exchange rate Speed Supported countries Mpesa integration

Utility Payments via Mpesa

You can pay major services directly through Mpesa:

⚡KPLC
💧Nairobi Water
🏥NHIF
💼NSSF
🏧KRA
📺DSTV / GOtv / StarTimes
🌐Internet: Safaricom, Zuku, Faiba, Airtel

Mpesa FAQs

How do I increase my Mpesa limit?

Use Mpesa frequently, maintain good loan repayment history, and update your KYC details.

How do I activate M-Shwari?

Open Mpesa → Loans & Savings → M-Shwari → Activate.

How do I withdraw PayPal to Mpesa?

Use the PayPal Mpesa portal to link accounts and withdraw.

How do I check my Fuliza limit?

*Dial 234# → Fuliza Mpesa → Check limit.

Get in touch

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