Kopo Kopo - Payments and Loans

Kopo Kopo makes it easy for Kenyan businesses to receive customer payments, make outgoing payments and access fast loans. The Kopo Kopo Android app is perfect for managing your business on the go! You can:

💸 Accept Lipa na M-PESA via Buy Goods Till Number(s)

We can provide one or multiple M-PESA Till Numbers for your business. Your customers pay no charges when paying to Kopo Kopo Till Numbers and funds are instantly credited to your Kopo Kopo account. As the business, you pay 0.55% to accept a Lipa na M-PESA payment, capped at KSh 200. Payments below KSh 200 are FREE. Say goodbye to cash-in-transit and leakage by joining the digital revolution!

🧾 Send money to bank and M-PESA accounts

Withdraw money to your own account(s) or make outgoing business payments to bank accounts, M-PESA phone numbers, Paybills and Till Numbers @ KSh 50 per transfer. Sending KSh 10,000? The fee is just KSh 50. Sending KSh 1,000,000? The fee is still KSh 50 – easy 😎

Sign in to our web app to make bulk payments to bank accounts and M-PESA phone numbers. Most payments to bank and M-PESA credit to the recipient in real-time.

⬇️ Add money to your Kopo Kopo account via bank, M-PESA STK Push and Paybill

Add money to your Kopo Kopo account to repay loans faster and/or make outgoing business payments like payroll, supplier payments and more.

💰 Access fast loans to keep your business moving

Utilise our Overdraft and Cash Advance services to get quick access to funds. Overdrafts are available to all Kopo Kopo users when making outgoing payments to bank accounts and M-PESA phone numbers. Cash Advances are available to Kopo Kopo users that have accepted Lipa na M-PESA payments for at least two (2) months, with limits up to KSh 10,000,000 based on payment volume. Overdrafts and Cash Advances are automatically repaid every time you receive a customer payment – you don’t need to worry about installments.

📈 See all your payments in one place

We provide detailed information about every incoming and outgoing payment within the app. You can also request comprehensive statements for accounting and reconciliation purposes. Experience peace of mind in the palm of your hand 🧘‍♀️

Learn more at www.kopokopo.co.ke and get in touch for any questions or assistance. We are together 🤝