What is Kopo Kopo and how does it work?

Kopo Kopo is a payment platform that enables businesses to accept digital payments like Lipa na M-PESA via till numbers, with funds instantly credited to your account. You pay a 0.55% fee capped at KSh 200 per transaction (free below KSh 200), and use the platform to send payments to M-PESA, banks, or tills for KSh 50 per transfer (free to your nominated M-PESA). It also offers cash advances based on your payment volume and tools like recurring payments.

How much does Kopo Kopo cost?

Receiving Lipa na M-PESA payments costs 0.55% per transaction (capped at KSh 200; free under KSh 200). Sending payments costs KSh 50 per transfer (free to your nominated M-PESA), with cash advances at 5.9% monthly interest if repaid on time.

Does Kopo Kopo have a mobile app?

Yes, Kopo Kopo is available on iOS and Android. You can download Kopo Kopo on the App Store for iPhone, or get it on Google Play for Android.

Who is Kopo Kopo best suited for?

Kopo Kopo is best suited for Kenyan businesses accepting Lipa na M-PESA payments, sending bulk or recurring payments, and accessing cash advances based on transaction volume.

Does Kopo Kopo have a plan for teams or businesses?

Yes, Kopo Kopo offers plans for businesses, including features like bulk payments, recurring payments, and cash advances up to KSh 10,000,000.

Does Kopo Kopo offer an API or integrations?

Yes, Kopo Kopo offers a public API. View the official Kopo Kopo API documentation for endpoints, authentication, and integration guides.

Kopo Kopo

🇰🇪 Kenya 🇷🇼 Rwanda 🇹🇿 Tanzania

Digital payments and credit platform for Kenyan SMEs to accept Lipa na M-Pesa till payments, send bulk payouts to suppliers or staff, and track transactions online.

Use it on:Web Android· 4.3 iOS· 4.9 API

Is Kopo Kopo right for you?

Best for

SMEs taking M-Pesa
Shops with tills
Businesses paying suppliers
Teams running payroll payouts
SMEs needing credit

What it does well

Lipa na M-Pesa tills
Bulk supplier payouts
Staff payouts
Online transaction tracking
Business credit access

Things to check

Available countries
M-Pesa setup steps
Credit eligibility rules
Payout limits
Transaction reporting detail

Kopo Kopo is a business payments and credit platform for small and medium businesses in Kenya that want to accept Lipa na M-Pesa payments, manage payouts, and monitor transactions in one place.

Key capabilities include:

Lipa na M-Pesa till numbers to collect customer payments digitally, supporting cashless checkout for shops, restaurants, boutiques, and other local merchants
Online Portal with real-time visibility into transactions, customer payments, and reports to help businesses track performance and reconcile sales
Bulk Pay for making multiple outgoing payments from a business account, useful for paying suppliers or employees
Credit access through Cash Advance and Overdraft products designed for working capital needs or business growth

Available on Web (online portal), Android, iOS, plus API/developer tools and SMS/USSD channels.

It targets B2B SMBs in Kenya that need practical tooling for mobile money collections, supplier payouts, and day-to-day visibility into cashflow.

Notable in the Kenyan fintech market for its long-standing integration with M-Pesa (including a partnership with Safaricom since 2012) and its expansion from payment aggregation into B2B payments and credit for merchants. For enquiries, contact info@kopokopo.com.

As of Jun 22, 2026, Kopo Kopo is rated 4.9 on the App Store from 8 reviews and 4.3 on Google Play from 5.7K reviews with 100K+ installs.

Phone:+254 20 7903030

Social Links:

Categories:

Fintech

Features & Business Model:

b2b bulk-payments lending mobile-money saas

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DD Dave found that Kopo Kopo has raised $5.6M across 5 rounds, backed by 4 investors. Their latest round was a Series B in Oct 2015. See how we get product data