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 has a mobile app available on iOS.

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.

Breet — Crypto & Stablecoins Payment API for African Businesses

Book a Demo

Promptmonitor — Track, measure, and improve how AI recommends your brand.

Get Started

Kopo Kopo: Funding, Reviews & Alternatives (2026) – Liners

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.

Available on:WebAndroidiOSAPI

Visit Kopo Kopo

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