m-pesa

M-Pesa (M for mobile, pesa is Swahili for money) is a mobile phone-based money transfer service, payments and micro-financing service, launched in 2007 by Vodafone Group plc and Safaricom, the largest mobile network operator in Kenya. It has since expanded to Tanzania, Mozambique, DRC, Lesotho, Ghana, Egypt, Afghanistan and South Africa. Meanwhile services in India, Romania, and Albania have been terminated amid low market uptake. M-Pesa allows users to deposit, withdraw, transfer money, pay for goods and services (Lipa na M-Pesa), access credit and savings, all with a mobile device.The service allows users to deposit money into an account stored on their cell phones, to send balances using PIN-secured SMS text messages to other users, including sellers of goods and services, and to redeem deposits for regular money. Users are charged a small fee for sending and withdrawing money using the service.M-Pesa is a branchless banking service; M-Pesa customers can deposit and withdraw money from a network of agents that includes airtime resellers and retail outlets acting as banking agents.
M-Pesa has spread quickly, and by 2010 had become the most successful mobile-phone-based financial service in the developing world. By 2012, a stock of about 17 million M-Pesa accounts had been registered in Kenya. By June 2016, a total of 7 million M-Pesa accounts have been opened in Tanzania by Vodacom. The service has been lauded for giving millions of people access to the formal financial system and for reducing crime in otherwise largely cash-based societies.

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Recent contents
  1. O

    Safaricom Boosts M-Pesa Privacy as Phone Numbers Set to Be Hidden in Transactions

    Safaricom is set to introduce a new privacy feature on M-Pesa that will hide users’ phone numbers during transactions, following approval from the Central Bank of Kenya (CBK). Under the update, when customers pay for goods using Till numbers or PayBill, the full mobile phone number will no...
  2. Waziri Mayai Wa Maradhi

    Central Bank Of Kenya gives nod to phone number masking in M-Pesa transactions

    Safaricom received approval from CBK to hide customers’ phone numbers when they pay using M-Pesa to Till and Pay Bill numbers. The decision was made to improve customer privacy and protect users’ personal data during transactions. This aligns M-Pesa with Kenya’s Data Protection Act 2019, which...
  3. Fbn

    Hivi siku hizi Vodacom kwenye M-PESA inatuma matangazo ya michezo ya kubeti

    Kuna siku za nyuma niliona M-pesa ujumbe umetumwa ukisema cheza kile kindege Aviator link hii hapa. Siku nyengine natumia tena Sms sijui kuna michezo mipya. Mfumo jina M-PESA sms unawezekanaje uwe wa michezo wakati M-PESA sms ni kwa ajili ya jumbe za miamala.
  4. USSR

    M-PESA sio salama kabisa? Wakala anawezaje kuiba pesa ambayo tayari imeingia kwenye simu

    Naomba ufafanuzi wa hili jambo maana kama iko hivi pesa zetu haziko salama Hoja: Nilikwenda kwa wakala hapa mbezi mwisho nikalipa pesa kwa wakala na akanitumia pesa na nikaona muamala kabisaa pamoja na sms hiyo ikaja nikajua pesa tayari ile najaribu kununua bando ikasema pesa hakuna tukamfata...
  5. Jamii Opportunities

    System Admin: M-PESA Applications Supp at Vodacom July 2025

    At Vodafone, we’re not just shaping the future of connectivity for our customers – we’re shaping the future for everyone who joins our team. When you work with us, you’re part of a global mission to connect people, solve complex challenges, and create a sustainable and more inclusive world. If...
  6. G TARIMO

    Biashara ya Miamala M-PESA YAS. N.K bado zinalipa

    Habari za wakati huu wakuu, Naitwa Godfrey, nina mpango wa kuanzisha biashara ya M-Pesa nikiwa na mtaji wa takriban milioni 3. Nipo Dar es Salaam (eneo la Tegeta na Mwenge) na nimekuwa nikifuatilia kwa muda, ila bado nina maswali kadhaa: 1. Je, biashara hii bado inalipa kweli ? 2. Kuna...
  7. Lycaon pictus

    Hivi makampuni ya Vodacom, Tigo et al, wanailipa Safaricom kuutumia M-Pesa?

    Mwaka 2004 Safaricom waliingia mikataba na Huawei wawatengenezee system ya kuwawezesha kuwa na billing system walioiita M-Pesa. Huawei waliwazungusha hadi CEO akaenda China akasitisha mkataba. Alivyorudi akawa anapokea simu kutoka kwa wabunge na mawaziri wakimtaka arudishe mkataba. Waziri wa...
  8. Not_James_bond

    Tahadhari ya Tishio la Usalama wa Fedha Mtandaoni – Udhaifu wa Usalama Katika Apps za Kifedha kama M-Pesa Tanzania

    Katika ulimwengu wa sasa wa kidijitali, huduma za kifedha kupitia simu za mkononi zimekuwa mkombozi mkubwa kwa watu wengi. Applikesheni kama M-Pesa zimeleta urahisi wa kufanya miamala, kulipia bili, kutuma na kupokea pesa, kwa haraka na salama — angalau ndivyo inavyotarajiwa. Hata hivyo, kuna...
  9. W

    Watu wanaongelea pesa za kichawi bila uthibitisho, Kama ni kweli zinapoingia kwenye account anaetuma ni nani ?

    Naweza kuamini pesa inaweza kupatikana kwa njia nyeusi na hatarishi kama ujambbazi lakini si nguvu za giza. Yani utoke tu huko kwa mganga uzikute zimedondoka chumbani kama furushi la magimbi, hizi bi hadithi za sungura na fisi. Kama ni muamala benki zinarekodi kila kitu, jina huwa ni la nani ...
    • watu kibao
    • Thread
    • asubuhi bila giza hatua hatua kwa hatua inavyofanya kazi jinsi kazi m-pesa mbili milioni mtu nani nguvu nguvu za giza pesa tuelimishane uthibitisho wapi
    • Replies: 0
    • Forum: Habari na Hoja mchanganyiko
  10. Ndikusyaganya

    NAWEZAJE KUA WAKALA MKUU ( SUPER AGENT) YAS, M-PESA

    Habari wakuu mbalimhali: 1. Naomba kujua namna ya kuwa SUPER AGENT wa mitandao ya SIMU ya YAS/TIGO na VODACOM/ M-pesa. 2. Pia naomba kujua utaratibu wa kua na TigoShop au Voda Shop mfano wa hizi tunazo enda kupata Huduma mbalimbali kama Milimani City. Natanguliza Shukrani
  11. Jumanne Mwita

    Kimbilio langu kwa sasa ni huduma za M-Pesa na mitandao mingine hizi Bank hapana aisee!

    Majuzi bhana, nikaenda kuangalia salio. Kuna kipindi niliweka Tsh 100,000 kwenye akaunti yangu ya CRDB nione kama kuna hela ya kutoa ili nisaidie jambo fulani. Nilichokutana nacho huwezi amini 🙌🙌— nadaiwa kama Tsh 56,547.68 na hela yangu yote imekula! 😂 Nikaamua kuwaachia kadi yao na deni lao...
  12. Hismastersvoice

    Vodacom imekuwa na desturi ambayo ni sawa na wale wa "ile hela tuma kwa namba hii"

    "NullYou have insufficient balance to subscribe the service. But you can dial *137*09*02 to subscribe the service via M-Pesa". Hawa nao ni wale wa " ile hela tuma kwa namba hii", nao wanastahili kukamatwa. Vodacom imekuwa na desturi ambayo ni sawa na wale wa "ile hela tuma kwa namba hii"...
  13. H

    Vodacom wameniibia hela kwenye account yangu ya M-pesa

    Mnamo March 2024, nilituma hela kwa mtu nkaambiwa haikufanikiwa kwenda. Baada ya siku kama kumi, nikagundua Salio langu limepungua tofauti na transactions nilizofanya, Baada ya kujiridhisha nikawapigia simu huduma kwa wateja wakaniambia hela ilienda ila haikukatwa kwenye account yangu, nikahoji...
  14. K

    Wizi wa salio kwenye M-PESA wakati unanua vifurushi

    Habari! Wangapi kati yetu tushakutana na changamoto ya kupoteza pesa sababu tu Vodacom Mpesa wanakataa kurudisha pale vifurushi vinajinunua mara mbili wakati mmoja? Kuna haja ya kupaza sauti kwa aina mpya ya mitandao kuibia wateja wao.
  15. magabelab

    Je ninaweza kutumia Daraja API kufanya malipo ya M-pesa Tanzania

    Je ninaweza kutumia Daraja API ya Safaricom kufanya malipo ya M-pesa Tanzania kwa kutumia laini ya vodacom, Nataka kutumia technologia yao ya stk push
  16. R

    Naomba kujua kuhusu huduma za M-PESA na mitandao mingine nikiwa nje ya nchi

    Habari wakuu. Naomba kujua kama nikienda nje ya Africa nikitumia huduma ya international roaming kama bado naweza kufanya miamala ya kutuma na kupokea pesa kwenye simu. Shukran!
  17. K

    Nimebaki na elfu 4 tu kwenye m-pesa naona aibu kwenda kwa wakala kuitoa

    Wakuu, kufulia kusikie tu kwa jirani aisee. Hapa nilipo nimefulia kiasi kwamba nimebaki na elfu 4 tu iko kwenye m-pesa. Sasa nataka kwenda kwa wakala kuitoa lakini naona aibu wakuu.
  18. B

    Mwanafunzi auawa madai kuiba duka la M-Pesa

    MWANAFUNZI wa kidato cha nne katika Shule ya Sekondari ya Kutwa ya Ndugu, Mbozi mkoani Songwe, Daud Simkoko (17), ameuawa kwa kipigo kisha kuchomwa moto na wananchi kwa tuhuma za wizi katika duka la huduma za kifedha. Kaimu Kamanda wa Polisi Mkoa wa Songwe, Rashid Ngonyani, amethibitisha...
  19. NostradamusEstrademe

    Msaada wa jinsi ya kutumiwa pesa na mtu akiwa nje kwa njia ya M-Pesa

    Nina ndugu yangu yuko Marekani anataka kunitumia pesa ila akituma iingie kwenye M-pesa yangu. Ameniambia wazi kuwa angetumia Western Union lakini makato yake ni makubwa. Naombeni msaada hasa nyie watu wa Vodacom hili litawezekanaje?
  20. T

    Tunaofanya biashara ya M-Pesa, Tigo-Pesa, Airtel Money, ..., na Uwakala wa Bank Tukutane hapa

    ????

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