M-Pesa payouts and collections for business
Send money to M-Pesa wallets and collect M-Pesa payments in Kenya and Tanzania through ElementPay, alongside Airtel Money, PesaLink and bank transfers in the same integration.
Businesses use ElementPay to pay out to and collect from M-Pesa without a separate integration per market. Fund in KES, TZS, USD or USDC and USDT, see the rate before you confirm, and track every payment by webhook.
Common M-Pesa use cases.
Supplier and agent payouts
Pay Kenyan suppliers and field agents straight to M-Pesa.
Payroll and contractors
Pay staff and contractors on M-Pesa in one bulk run.
Customer collections
Collect M-Pesa payments against invoices and orders.
Cross-border into M-Pesa
Fund in USD, GBP, EUR or stablecoins and deliver KES to M-Pesa.
How it works.
Verify your business
One onboarding for Kenya, Tanzania and every other market.
Fund your balance
KES, TZS, USD, or USDC and USDT.
Pay or collect on M-Pesa
By API, dashboard or bulk file.
Reconcile
Status and your reference on every payment.
Related.
Questions.
Can a foreign business pay out to M-Pesa?
Yes. Verified businesses can fund in USD, GBP, EUR, AED, CNY or stablecoins and deliver KES to M-Pesa wallets.
Can we collect M-Pesa payments?
Yes. Collections settle into your ElementPay balance.
Is M-Pesa available outside Kenya?
ElementPay supports M-Pesa in Kenya and Tanzania, plus Vodacom M-Pesa where available, alongside other local networks.
How is the exchange rate shown?
The rate and fee are shown before you confirm, and the KES amount is fixed once you approve.