How to Operate an MPESA Shop/Business

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Operating an Mpesa is not as hard as you think. It quite easy, so long as you follow the guidelines. Mpesa business can be a very profitable business if you do it right.

You can either run the shop or hire someone competent with at least a KCSE qualification. Another thing you’ll need is to brand your Mpesa with the Safaricom brand guidelines.

The day in day out operation will include:

  • Depositing money into your customers accounts
  • Process withdrawal money from your customers

Note that the customers need to be registered Mpesa users and also have the original national identification card registered under the Mpesa account for the transaction to be done.

  • Register new M-Pesa users-They will need to have a valid identification card.
  • Conform to Safaricom business practices.
  • Ensure you have enough float to service your customers as well enough hard cash for the same.


  • Operating a Mpesa shop or business involves high-security risks as people know you handle a lot of money, making you a target for theft. 
  • Failure to submit to Safaricom strict guidelines will result in your line being blocked. 

About Author

Anthony Kiratu is the Founder of Finsolutions. He is a financial analyst with over 5 years experience in research, investment advisory, valuation and financial modelling. Anthony is a member of the Institute of Certified Investment and Financial Analysts and Institute of Certified Public Accountants of Kenya. He is passionate about development of African Capital Markets through training of investors and dissemination of information for sound financial and investment decision making process. He is also a part-time lecturer in the Certified Investment and Financial Analyst course in the subjects of International Finance, Portfolio Management, Equity Investment Analysis, and Fixed Income Securities. Email: Contact: +254 780216631

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