In Africa, mobile money has revolutionized payments but left them fragmented among different telecom operators. In Kenya, a tech entrepreneur has launched a solution to unify these services.

Pesapal, a fintech platform created by Kenyan startup Pesapal Ltd., allows users to pay bills, buy airline tickets, book hotels, or shop online—all in one secure app. Agosta Liko founded the Nairobi-based company in 2009.

The platform’s mobile app is available on iOS and Android, where it has surpassed 100,000 downloads on the Play Store. Users sign up with their personal details to access Pesapal’s ecosystem. The app integrates popular payment systems like M-Pesa, Airtel Money, Visa, and Mastercard, making financial services accessible to both banked and unbanked users.

Pesapal operates under a license from the Central Bank of Kenya as a payment service provider. This status lets it target SMEs and local businesses by offering tools such as POS terminals, management dashboards, and e-commerce integration to accept electronic payments.

The company has expanded beyond Kenya to Uganda, Tanzania, Rwanda, Zambia, Zimbabwe, and Malawi. Pesapal plans to enter more markets while maintaining its focus on accessibility. By offering simple, versatile, and mobile solutions, Pesapal reduces reliance on cash and accelerates digital adoption in everyday transactions across the region.

This article was initially published in French by Adoni Conrad Quenum

Edited in English by Ange Jason Quenum