How to Start an Mpesa Shop in Kenya

Mpesa business is one of the most profitable small businesses in Kenya today. Depending on different factors like location and number of people, running an  Mpesa b shop can  be very profitable and can easily be your only source of income.

The most challenging part of it is getting started. Since the business involves an exchange of money both electronic and cash, the business owner needs to have quite a considerable amount of both hard cash and what is commonly referred to as "Mpesa float"

The basic part of Mpesa simply involves depositing, transferring and withdrawal. However the company has in recent times incorporated a few other services to make it better. This includes a service referred to as Mshwari. Mshwari is a mini bank, where customers can save some money and get small loans.

What you Need Start Your Mpesa Business

Starting a whole outlet can be quite a burden, this is why i will tell you of two options that you can consider when you are a new person into the business.

Option 1: Buying Directly From Safaricom

Standard Outlet

This is the legal and probably the best option but it requires a huge investment, here is what you need.


  • Must be regisrered as a LIMITED company and have at least 3 outlets
  • Minimum of Kshs 100,000 for each outlet after your application is approved
  • Kshs 100,000 per outlet for additional outlets for float.
  • A  computer
  • You will need to rent a building and have employees
Plus other technical requirements, to get Full Mpesa Agent Requirments please read " Mpesa Agent Requirements"


Special Category Outlet

These  are considered as those outlets which are as an additional to a different type of business, for example banks, hospitals, supermarkets, Forex bureau, clinics etc.

If you are operating any of these types of business you are classified as a special category and you can have a single outlet if you wish, you will be required to put up  an investment of 200,000 shillings as float.

Option 2 Mpesa "Mwitu"

This is not legally allowed by Safaricom but people still do it and become successful, it involves buying one of the lines of an already operating Mpesa registered company and operating it as a small entity, the person who sells you the line will usually tell you to pay some certain commission as you use their line to make money.

These type of Mpesa will only require you to pay anywhere from 20,000 to 40,000 and have the same amount as the float to get a fully functional Mpesa line.

With Mpesa "mwitu" you can also get all other services that are offered by a fully registered Mpesa business but you will be operating under the license of the registered agent.

If you feel we have missed something please drop it in the comments


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