---
title: "M-PESA: Mobile Money in Kenya & Ethiopia"
description: "Cash in/out at agent networks, send money with PIN, and pay bills or merchants via Paybill/Till. Use on USSD/Android/iOS in Kenya & Ethiopia."
canonical_url: "https://liners.com/m-pesa"
markdown_url: "https://liners.com/m-pesa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/safaricom/screenshot.webp?v=1771638940918"
published_at: "2026-02-21T10:57:22.086Z"
updated_at: "2026-09-20T16:18:47.770Z"
---

# M-PESA: Mobile Money in Kenya & Ethiopia

Cash in/out at agent networks, send money with PIN, and pay bills or merchants via Paybill/Till. Use on USSD/Android/iOS in Kenya & Ethiopia.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [M-PESA](/m-pesa)

## Summary

Send, receive, and pay with mobile money from your phone

A mobile money service for individuals to deposit and withdraw cash, send money with PIN security, pay bills and merchants, and access savings and loans in supported markets.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.safaricom.co.ke/personal/m-pesa |
| Tagline | Send, receive, and pay with mobile money from your phone |
| Primary country | Kenya |
| Platforms | Android, iOS, API, Web |
| Average rating | 5 |
| Published reviews | 3 |
| Verified listing | Yes |

## About the product

M-PESA is a **mobile phone-based money transfer and payments service** for individuals who need to store value, send money, and pay for everyday services using a mobile handset.

Key capabilities include:
- **Cash in and cash out via agent networks**, allowing users to deposit and withdraw local currency at participating agents (such as retail outlets and airtime resellers).
- **Send, withdraw, and request money** using mobile flows designed for fast person-to-person transfers; transfers use **PIN security** and can include recipient name confirmation (Hakikisha) and transaction reversal in supported scenarios.
- **Pay for goods and services with Lipa na M-PESA**, including merchant payments via **Paybill** and **Till**, plus **Pochi la Biashara** for sending money to micro-merchant business wallets.
- **Credit and savings options** offered through partnerships (for example, products such as **Mshwari**), supporting savings and loan access directly from a phone.

Available on **Android and iOS** (with core service access also supported on basic phones via USSD or SIM toolkit in supported markets).

Target audience: **B2C**, primarily individual mobile subscribers who want mobile money for personal transfers, bill payments, airtime purchases, and day-to-day merchant payments.

Notable in African markets for its long-running **branchless mobile money model** (launched in 2007 by Vodafone and Safaricom) and its expansion across multiple countries, including **Kenya, Tanzania, Mozambique, DRC, Lesotho, Ghana, Egypt, Afghanistan, South Africa, and Ethiopia**, supporting financial access for users who may not rely on traditional bank branches.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Ethiopia](/countries/ethiopia): Market
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/m-pesa/alternatives)
- [Reviews](/m-pesa/reviews)
- [Transparency](/m-pesa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/m-pesa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)