<h2>M-Pesa for Individuals</h2>
These are the fundamental services that allow users to manage their money on their mobile phones.
<ul>
<li><a href="send-money">Send Money:</a>&nbsp;This is the primary function of M-Pesa, allowing users to send money in real-time to other M-Pesa users. It is also possible to send money to non-M-Pesa users.</li>
<li><a href="deposit-cash">Deposit Cash:</a>&nbsp;Users can convert physical cash into e-money at any of the numerous M-Pesa agent outlets.</li>
<li><a href="withdraw-cash">Withdraw Cash:</a>&nbsp;Users can convert the e-money in their M-Pesa account back into physical cash at any agent point or at M-Pesa-enabled ATMs.</li>
<li>Buy <a href="how-to-buy-airtime-using-m-pesa">Airtime</a> and <a href="how-to-buy-data-bundles-using-m-pesa">Bundles</a>:&nbsp;You can purchase Safaricom airtime, data, voice, and SMS bundles directly from your M-Pesa wallet.</li>
<li><a href="tuma-popote">Tuma Popote:</a>&nbsp;A service that allows you to send money to a non-Safaricom number, a bank account, or a SACCO directly from M-Pesa.</li>
</ul>
<h2>M-Pesa for Business</h2>
M-Pesa offers a range of services designed for businesses, from small-scale merchants to large corporations.
<ul>
<li><a href="mpesa-business-till">M-Pesa Business Till:</a>&nbsp;A solution for businesses to collect payments from customers via the "Buy Goods" service. It allows for higher transaction and account limits and provides access to business-specific tools.</li>
<li><a href="mpesa-business-app">M-Pesa for Business App:</a>&nbsp;A mobile application that enables business owners to easily manage their M-Pesa accounts, track transactions, view statements, and make payments to suppliers or employees directly from the business till.</li>
<li><a href="pochi-la-biashara">Pochi la Biashara:</a>&nbsp;A business wallet for micro-merchants that separates business funds from personal M-Pesa funds, making it easier to manage finances and business transactions.</li>
<li><a href="../../../../../mpesa-apis">M-Pesa APIs</a>:&nbsp;M-Pesa provides APIs that allow developers and businesses to integrate M-Pesa payment solutions into their websites, applications, and other systems.</li>
<li><a href="fuliza-for-business">Fuliza for Business (Fuliza ya Biashara):</a>&nbsp;An overdraft facility for business tills that helps businesses to make payments even with an insufficient balance.</li>
<li><a href="mpesa-taasi-till-loan">M-Pesa Taasi Till Loan:</a>&nbsp;A loan facility for business till customers.</li>
<li><a href="mpesa-taasi-pochi">M-Pesa Taasi Pochi:</a>&nbsp;for entrepreneurs who use the Pochi la Biashara wallet service.</li>
</ul>
<h2>Payments and Financial Services</h2>
M-Pesa has expanded beyond simple money transfers to become a major platform for payments, savings, and credit.
<ul>
<li><a href="lipa-na-mpesa">Lipa na M-Pesa (Pay with M-Pesa):</a>&nbsp;This service enables customers to make cashless payments for goods and services. It includes:
<ul>
<li><a href="mpesa-paybill">Pay Bill:</a>&nbsp;For paying utility bills, school fees, taxes, and other services to registered organizations with a specific Pay Bill number.</li>
<li><a href="mpesa-business-till">Buy Goods and Services (Till Number):</a>&nbsp;For making payments to merchants like supermarkets, restaurants, and retail shops.</li>
</ul>
</li>
<li><a href="mpesa-fuliza">Fuliza</a>:&nbsp;An overdraft facility that allows eligible M-Pesa customers to complete M-Pesa transactions even when they have insufficient funds in their accounts. The overdraft is automatically repaid the next time you top up your M-Pesa account.</li>
<li><a href="m-shwari">M-Shwari</a>:&nbsp;A mobile savings and loan service offered in partnership with a bank. It allows users to save money in an interest-earning account and to access micro-loans.</li>
<li><a href="../../../../../kcb-mpesa">KCB M-Pesa</a>:&nbsp;A similar service to M-Shwari, offered in partnership with KCB Bank. It provides a savings account and mobile loans to M-Pesa users.</li>
<li><a href="../../../../../mpesa-ratiba">M-Pesa Ratiba</a>:&nbsp;A feature that allows users to schedule recurring payments, such as utility bills or rent, ensuring they are paid on time without manual intervention.</li>
<li><a href="../../../../../ziidi-money-market-fund">Ziidi</a>: Ziidi MMF is a unit trust fund that enables M-PESA customers to invest in a money market fund and earn competitive daily interest.</li>
</ul>
<h2>M-Pesa Global Services</h2>
These services facilitate international money transfers, connecting M-Pesa to the global financial system.
<ul>
<li><a href="../../../../../mpesa-global">M-Pesa Global</a>:&nbsp;A service that enables M-Pesa customers to send and receive money from various countries around the world.</li>
<li><a href="../../../../../mpesa-to-paypal">M-Pesa to PayPal</a>:&nbsp;Allows users to link their PayPal account to M-Pesa to withdraw funds from their PayPal account or top up their PayPal balance.</li>
<li><a href="../../../../../mpesa-global-pay-visa-virtual-card">M-Pesa GlobalPay</a>:&nbsp;A virtual VISA card that is linked to your M-Pesa account, enabling you to make payments on international websites for online shopping.</li>
</ul>
<h2>Other M-Pesa Services and Features</h2>
<ul>
<li><a href="../../../../../mpesa-reversal-hakikisha">M-Pesa Reversal (Hakikisha)</a>:&nbsp;A service that allows users to confirm the recipient's name before completing a transaction. It also has a self-reversal feature that enables users to reverse a wrong transaction by forwarding the message to a shortcode.</li>
<li><a href="../../../../../mpesa-go">M-Pesa</a><a href="../../../../../mpesa-go"> GO</a>:&nbsp;A service designed to help parents manage their children's money, allowing them to send money to their child's account and monitor their spending.</li>
<li><a href="../../../../../mpesa-agent">M-Pesa Agent</a>:&nbsp;A network of agents who provide physical cash deposit and withdrawal services to customers, earning a commission on transactions.</li>
</ul>
<h2>Account Management</h2>
These are tools for managing your M-Pesa account and tracking your transactions.
<ul>
<li><a href="../../../../../mpesa-balance-inquiry">Balance Inquiry</a>:&nbsp;Check your current M-Pesa account balance.</li>
<li><a href="../../../../../how-to-get-mpesa-mini-statement">Mini-Statement</a>:&nbsp;View the last few transactions on your account.</li>
<li><a href="../../../../../how-to-get-mpesa-full-statement">M-Pesa Statement:</a>&nbsp;Request a full, detailed statement of all your transactions for a specific period via email.</li>
<li><a href="../../../../../how-to-change-or-reset-mpesa-pin">Change or Reset PIN</a>:&nbsp;Secure your account by changing your PIN or resetting it if you forget it.</li>
</ul>
<h2>Payment Disbursement Solutions</h2>
M-Pesa provides robust solutions for businesses to manage their outgoing payments.
<a href="../../../../../mpesa-bulk-payments">M-PESA Bulk Payment (B2C)</a>&nbsp;are facilitated in real-time, commonly utilized for purposes such as salary disbursements, payments from NGOs or government entities, and managing petty cash.
<a href="../../../../../mpesa-business-to-business-b2b-transactions">Business-to-Business (B2B) transactions</a>, enabling seamless transfers between businesses. To enhance security and accuracy during disbursements.

Easily find and understand all M-Pesa services. Our comprehensive guide lists every M-Pesa feature, from sending money to paying bills and more, to help you make the most of your mobile money account.