8 posts tagged with "M-PESA"

In 2025,Safaricom launched its most ambitious upgrade to M-PESA since the service began in 2007.Dubbed "Fintech 2.0",this is more than just a technical refresh or overhaul,it is a strategic leap designed to future proof Kenya's most trusted mobile money platform.

At a glance,the upgrade introduces:

• A new cloud-native architecture
• AI powered fraud detection and self-healing system
• Increased transaction capacity from 4,500 to 6,000 per second,scalable up to 12000
• Faster deployments for savings,lending,insurance,and merchant tools
• Enhanced support for developers and third-party fintech integration

For millions of Kenyans,this simply means faster,safer,and more flexible mobile money.This works for both regular users and technical builders who rely on M-PESA services.

In Kenya,owning a smartphone used to mean saving for months or buying a second hand phone.With the technology we have today,financial services such as Lipa Mdogo Mdogo has changed that,this service allows users to pay as little as KSh 20 a day to own a new device.This shift has opened up digital access to millions of Kenyans,especially the youth,small business owners and rural communities.

This service,commonly known as Pay-as-you-go service,comes in different variants,Lipa Mdogo Mdogo being one of them,Lipa Mdogo Mdogo can be categorized as device financing,but there are other Pay-as-you-go services that are designed for other products including TVs,appliances,furniture,and even farming tools,depending on the provider.

While Pay-as-you-go (PAYG) and Buy-now-pay-later(BNPL) models offer convenience,they also come with costs,conditions and associated risks.This guide breaks down how Lipa Mdogo Mdogo and similar services work,who qualifies,and what to consider before signing up.

For years Kenyans,especially freelancers,digital creators and online gig workers have relied on PayPal to get paid by international clients,due to this there have been some efforts by Safaricom to enable Kenyans to withdraw money directly from their PayPal accounts to their local M-PESA accounts,but let's be honest the process has not always been easy or smooth.Long wait times,clunky interfaces and the need to juggle between different apps has made this process frustrating.

Now, with the PayPal Mini App experience,things are changing.This new feature integrates PayPal directly into the M-PESA Super App,creating a seamless bridge between global payments and local financial access.For Kenyans that rely on both of this digital platforms,this definitely is a welcomed improvement and upgrade.Let us walkthrough the new Mini App experience and explore what is in store for us.

Financial emergencies can often strike without any warning,a medical bill,school fee shortfall,funeral cost,or even job loss.For many Kenyans,these emergencies can often lead to debt,stress,or even disrupted livelihoods,but what if such occurrences found you prepared for these moments.This can be made possible in your fingertips,just by using your smartphone.

This guide shows you how to build a financial safety net using mobile tools already in your pocket,from M-PESA savings hacks to insurance applications and various other budgeting and financial planning workflows.Whether you are a student,hustler,or a parent,you'll learn how to safeguard your financial future without needing a bank account or complex systems.

For years,Kenyans have struggled to pay for various international services like NetFlix,AliExpress,or Canva.Traditional bank cards were not only expensive but also hard to access.But now,Safaricom M-PESA's GlobalPay Virtual Visa Cards has changed the game,allowing anyone with an M-PESA Account to shop and access services globally.

This guide simply breaks down how M-PESA GlobalPay works,how to activate it,where to use it,and how it compares to other virtual cards.

Whether you're applying for a personal loan,tracking your spending,or just trying to stay financially woke and discipline,understanding your M-PESA statements is not only necessary but a game-changer.Many Kenyans do not realize how powerful this statements are,they aren't just receipts but a your financial story.

In this article we're going to breakdown the two types of M-PESA statements Mini Statements and Full Statements.We'll cover their differences,how to request each and why they matter for your hustle,your savings and your financial future.

M-PESA has been part of Kenyan life for over 15 years now,from sending money to paying bills.It's part of the Kenyan lifestyle and not just a mobile wallet.Traditionally Kenyans have always accessed M-PESA services using the sim toolkit (STK),a simple submenu that is accessible using a mobile phone,whether smart or not.However,with the rapid developments and improvements in technology,coupled with the surge in popularity of mobile smartphones,Safaricom has introduced a new way of accessing and using M-PESA in a modern and more convenient way.The Safarcom M-PESA Super App available for both android and iOS devices.

In 2021,the M-PESA app or as branded by Safaricom, M-PESA Super App for smartphones was introduced to the Kenyan market through their respective mobile app stores,Google Play Store and Apple's App Store.

The M-PESA app does everything that could be done traditionally using its STK variant and more,but in a modern and sleek approach for smartphones.With over 10 million downloads on the Google PlayStore alone and favorable reviews,its popularity is not accidental,it stems from its ease of use and the wide array of features it offers.One feature that stands out is the introduction of M-PESA Mini Apps,a ground breaking feature that we'll explore in this article.

Kenya’s cashless economy runs on M-PESA.Two of the most common ways M-PESA payments are accepted across the country are through M-PESA Till and Paybill numbers.Both let customers pay from their phones, but they solve different problems for entrepreneurs and business owners.This guide explains the difference, the real-world trade-offs, and which one fits your hustle.