Users
49MM-PESA links mobile-money balances with agents, merchants and billers across African markets. Launched in Kenya in 2007, it lets people send funds, pay businesses and withdraw cash using phone-based instructions, with local services shaped by each country’s operating business.
Use cases:
Channels:
Initiation:
Markets
6TPV
$19BTransactions
3.9BEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
Schemes
Compliance
Regulator
Central Bank of Kenya









