Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 2 categories.
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Launched in 2007 by Safaricom as a peer-to-peer mobile money transfer service, M-PESA evolved into Africa's dominant mobile money platform powering payments, savings, credit, and merchant acceptance across Kenya. The platform expanded into business credit (Fuliza, Taasi Till via Asante), BNPL (Faraja via EDOMx), and international payments (PayPal, Visa virtual card, Wise corridor). The 2025 launch of Daraja 3.0 signals a push toward 'Fintech 2.0' — opening M-PESA as a developer-accessible financial infrastructure layer rather than a closed mobile money product.
Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #95 of 528 in PSP — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/m-pesa/install" width="1" height="1" alt="" style="display:none">4 companies are linked to M-PESA in the Embedded Finance Index 2026, through their own public disclosures or M-PESA's published customer list, including Safaricom M-Pesa Africa, Equitel, M-KOPA and Safaricom.
M-PESA is an embedded-finance provider in PSP and BaaS. It ranks #95 of 528 PSP providers by linked companies.
The most-named PSP alternatives to M-PESA are Stripe (781 buyers), Adyen (317 buyers), PayPal (153 buyers), Checkout.com (114 buyers), Worldpay (88 buyers) and Mollie (63 buyers).
M-PESA is founded in 2007 and headquartered in Nairobi, Kenya.
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