M-Pesa
M-Pesa is a mobile money method. Customers pay by: phone-number wallet, stk push confirmation.
- Category
- Mobile money
- Type
- Mobile money
- Customer experience
- Phone-number wallet, STK push confirmation
- Currencies
- KES, TZS, GHS, MZN
- Markets
- 5 countries
- Recurring
- Not supported
- Refunds
- Full refunds only
- Payment links
- Supported
- Hosted checkout
- Supported
- API
- Supported
- Settlement
- T+1 to T+3 depending on operator reconciliation
Available through The Vision Bank
Provided through a regulated payment partner. Access depends on that partner's onboarding and coverage.
Availability depends on your merchant country, legal entity, customer country, industry, risk classification, currency, product and payment-partner coverage. Nothing on this page is an offer of service.
Check eligibilityPricing for M-Pesa
One rule everywhere: the underlying provider cost plus a $1.00 per transaction Vision markup. Scheme, network and FX charges are always shown separately, at cost.
- Underlying provider cost
- Provider cost band, typically 1.5%–4.0% per transaction
- Vision markup
- $1.00 per transaction
- What you pay
- Provider cost + $1 per transaction
- Scheme & network charges
- Mobile network operator commission billed at cost
- Currency conversion
- Local currency converted to USD or EUR on payout
- Settlement
- T+1 to T+3
These bands show how a price is built, not a quote. Your rate is confirmed at onboarding once your entity, industry, volume and markets are reviewed.
Partner infrastructure
M-Pesa is processed through regulated infrastructure. Partner identities are disclosed only where the relationship is confirmed and cleared for publication.
Mobile money aggregators
Licensed aggregators connected to mobile network operator wallets across emerging markets.
T+1 to T+3, often converted to USD or EUR on payout
Tier 2 banking partners
Regional and specialist banks used for domestic clearing, local currency accounts and corridor coverage.
T+0 to T+2 depending on the domestic rail
Eligibility & requirements
Every merchant
- · A registered business entity with incorporation documents
- · Identification for directors and beneficial owners (KYC / KYB)
- · Description of the business model, products and customer base
- · Expected monthly volume, average transaction size and target markets
- · A live website or product with clear terms, refund and privacy policies
- · Sanctions, AML and risk screening of the entity and its owners
Entity
- · Registered entity
- · Payout account in local currency or USD
Technical
- · STK push or USSD confirmation handling
- · Phone-number validation
Compliance
- · Operator approval of the business category
- · Local consumer protection rules