20+ Easy Ways to Make Money Online in Kenya Through M-Pesa

Introduction to Easy Ways to Make Money Online in Kenya Through M-Pesa

Today, M-Pesa makes it easy for Kenyans to earn money online. This mobile service lets people earn and receive payments without a bank account. Students, professionals, and those wanting to work from home can find many opportunities. This bizz.ke guide will show you over 20 ways to make money online with M-Pesa. Each method is tested and successful. Your income will depend on your skills, time, and resources. Opportunities include freelancing, content creation, e-commerce, and digital services. You only need a smartphone or computer and internet to start.

Let’s explore these methods to reach your financial goals.

Ways to Make Money Online Using M-Pesa

Before we start, let’s see why M-Pesa is crucial for online earners in Kenya. First, it allows payments without a bank account. Second, transactions are instant, secure, and widely accepted. Lastly, you can withdraw earnings at any M-Pesa agent in the country.

Now, let’s explore these money-making opportunities:

1. Freelancing on Local and Global Platforms

Freelancing is a top way to earn online in Kenya. Kuhustle caters to Kenyans and allows M-Pesa withdrawals. For global opportunities, consider Upwork and Fiverr. However, you’ll need IntaSend for PayPal-to-M-Pesa conversions.

Popular freelancing services include:

• Content writing
• Virtual assistance
• Digital marketing
• Graphic design
• Web development
• Data entry
• Translation (English-Swahili)

To succeed as a freelancer:

1. Create a compelling profile highlighting your skills
2. Start with competitive rates to build reviews
3. Deliver quality work consistently
4. Communicate professionally with clients
5. Build a strong portfolio

For local platforms, you can withdraw earnings to M-Pesa once you hit Ksh 1000. For international platforms, factor in conversion fees when setting prices to keep profits.

2. Academic Writing

Academic writing has become a profitable online job in Kenya. Platforms like WritersHub and Falcon Writers offer consistent work. This field demands strong research and writing skills. It also requires knowledge of citation styles like APA, MLA, and Harvard.

As an academic writer, you’ll handle:

• Research papers
• Essays
• Dissertations
• Term papers
• Case studies
• Literature reviews

Success in academic writing requires:

• Excellent English proficiency
• Strong research abilities
• Time management skills
• Understanding of academic formats
• Plagiarism awareness

Most Kenyan academic writing platforms pay weekly or bi-weekly via M-Pesa. Earnings range from Ksh 200 to 1000 per page, depending on complexity and urgency. New writers usually start with simple tasks. Then, they can move on to more complex, better-paying projects.

3. Online Tutoring

Online tutoring allows knowledgeable individuals to share their expertise while earning through M-Pesa. The rise of remote learning has created increased demand for online tutors across various subjects.

Key opportunities include:

• Primary and secondary school subjects
• University course assistance
• Professional certification prep
• Language teaching
• Skills training

To succeed as an online tutor:

1. Choose your subject specialization
2. Set competitive rates (typically Ksh 500-2000 per hour)
3. Create structured lesson plans
4. Use video conferencing tools effectively
5. Build a positive reputation through student reviews

Local tutoring platforms often facilitate direct M-Pesa payments. International platforms may require converting PayPal to M-Pesa. Consider offering group sessions to maximize earnings while providing affordable rates for students.

4. Blogging with M-Pesa Integration

Blogging gives Kenyan content creators several ways to earn money. You should choose the right niche. Then, create good content. Finally, use effective monetization strategies.

Popular blog niches in Kenya include:

• Technology and gadgets
• Fashion and lifestyle
• Personal finance
• Health and wellness
• Food and recipes
• Travel and tourism

Revenue sources include:

• Google AdSense
• Sponsored posts
• Affiliate marketing (Jumia, Kilimall)
• Digital products
• Consulting services

To monetize effectively:

1. Build consistent traffic through SEO
2. Create valuable content for your audience
3. Engage with readers regularly
4. Network with other bloggers
5. Diversify income streams

Most local sponsorships pay via M-Pesa. Bloggers can convert international earnings from PayPal. Successful Kenyan bloggers earn between Ksh 20,000 and 200,000 monthly. Their income depends on traffic and monetization strategies.

5. YouTube Content Creation with M-Pesa Earnings 

The Kenyan YouTube scene offers significant earning potential for creative content creators. With a growing local audience, YouTubers can earn money in multiple ways. They can get paid via M-Pesa.

Essential elements for success include:

• Consistent content schedule
• High-quality production
• Engaging storytelling
• Local audience focus
• Strategic monetization

Revenue sources:

1. Google AdSense (converted to M-Pesa)
2. Brand sponsorships (direct M-Pesa payments)
3. Affiliate marketing
4. Merchandise sales
5. Super Chat during live streams

To start earning:

• Create valuable content for your target audience
• Build to 1,000 subscribers and 4,000 watch hours
• Apply for YouTube Partner Program
• Engage with your community regularly
• Collaborate with other creators

Successful Kenyan YouTubers often earn Ksh 50,000-500,000 monthly. It depends on views and engagement.

6. Social Media Influencing 

In Kenya, social media influencing is now a viable career. Brands want to partner with creators who have engaged followers on Instagram, TikTok, and Facebook.

Key platforms and opportunities:

• Instagram: Photo content, Stories, Reels
• TikTok: Short-form videos
• Facebook: Community building
• Twitter: Opinion leadership

Success factors:

1. Authentic engagement
2. Consistent posting
3. Quality content creation
4. Professional brand partnerships
5. Clear niche focus

Earning potential varies by follower count:

• Micro-influencers (1K-10K): Ksh 5,000-20,000 per post
• Mid-tier (10K-50K): Ksh 20,000-50,000 per post
• Macro-influencers (50K+): Ksh 50,000+ per post

Most local brands prefer to pay via M-Pesa. It makes it easy for Kenyan influencers to get paid quickly.

7. Selling Products Online

E-commerce sites like Jumia and Kilimall offer Kenyans a great chance to sell products online. They have M-Pesa integration for seamless transactions.

Getting started:

1. Register as a seller
2. Choose your product category
3. Set up your store profile
4. Upload product listings
5. Manage inventory and orders

Popular product categories:

• Electronics and accessories
• Fashion and beauty
• Home and living
• Health and wellness
• Books and stationery

Tips for success:

• Competitive pricing
• Quality product images
• Detailed descriptions
• Prompt order fulfillment
• Excellent customer service

Both platforms allow sellers to receive M-Pesa payments directly. Payouts are usually weekly or bi-weekly. Commission rates, ranging from 5% to 15%, depend on the category. So, consider this when setting your prices.

8. Online Surveys and Market Research with M-Pesa 

Online surveys and market research won’t replace a full-time income. But, they are an easy way to earn extra money via M-Pesa.

Reliable platforms for Kenyans:

• GeoPoll
• Mobrog
• KudiMoney
• Survey254
• Premise

Maximizing earnings:

1. Create profiles on multiple platforms
2. Check regularly for new surveys
3. Complete surveys promptly
4. Provide honest responses
5. Meet minimum payout thresholds

Average earnings:

• Short surveys: Ksh 50-200
• Long surveys: Ksh 200-1000
• Focus groups: Ksh 1000-5000
• Product testing: Ksh 500-2000

Most platforms offer direct M-Pesa payments once you hit the minimum withdrawal amount (usually Ksh 500-1000).

9. Mobile App Testing

Companies need Kenyan views on their mobile apps. This creates opportunities for app testers to earn through M-Pesa by giving feedback.

Testing responsibilities:

• Identifying bugs and glitches
• Evaluating user experience
• Testing features and functionality
• Providing detailed feedback
• Recording testing sessions

Popular testing platforms:

1. uTest
2. UserTesting
3. TestBirds
4. Local tech companies

Required skills:

• Attention to detail
• Clear communication
• Basic tech understanding
• Time management
• English proficiency

Payment structure:

• Bug reports: Ksh 500-2000
• Feature testing: Ksh 1000-3000
• User experience review: Ksh 2000-5000

Most international platforms pay via PayPal, which converts to M-Pesa. Local companies often pay directly through M-Pesa.

10. Dropshipping

Dropshipping allows entrepreneurs to sell products without holding inventory. It’s an attractive online business model for Kenyans with limited capital.

Setting up your business:

1. Choose a niche market
2. Find reliable suppliers
3. Create an online store
4. Set competitive prices
5. Market your products

Popular platforms:

• Facebook Marketplace
• Instagram Shopping
• WhatsApp Business
• Personal website
• Local classifieds

Keys to success:

• Quality product selection
• Reliable shipping partners
• Clear communication
• Competitive pricing
• Excellent customer service

Payment processing:

• Accept M-Pesa payments directly
• Use integrated payment systems
• Track orders efficiently
• Process refunds promptly
• Maintain transaction records

11. Selling Digital Products

Digital products can earn passive income. M-Pesa makes it easy to get paid by Kenyan customers.

Popular digital products:

• E-books on local topics
• Online courses
• Templates and worksheets
• Digital art and designs
• Mobile presets

Creating successful products:

1. Identify market needs
2. Develop quality content
3. Price competitively
4. Create engaging previews
5. Build marketing strategy

Distribution platforms:

• Personal website
• WhatsApp Business
• Telegram channels
• Instagram/Facebook
• Email marketing

Pricing strategies:

• Entry-level products: Ksh 500-1,500
• Premium courses: Ksh 2,000-10,000
• Subscription access: Ksh 1,000-3,000 monthly

Most local sales can use M-Pesa. International platforms may require PayPal.

12. Virtual Assistant Services

Many Kenyan businesses need virtual assistants. They must manage their online presence and admin tasks. This creates opportunities for organized people.

Common services:

• Email management
• Social media handling
• Calendar scheduling
• Data entry
• Customer service
• Basic bookkeeping

Required skills:

1. Strong organization
2. Time management
3. Communication excellence
4. Basic tech proficiency
5. Multi-tasking ability

Finding clients:

• LinkedIn networking
• Facebook business groups
• Local business forums
• Word-of-mouth referrals
• Professional networks

Typical rates:

• Part-time: Ksh 10,000-25,000 monthly
• Full-time: Ksh 25,000-50,000 monthly
• Project-based: Ksh 200-500 per hour

Most local clients prefer paying through M-Pesa, making it convenient for both parties.

13. Forex Trading 

Forex trading can yield profits. But, it requires learning and careful risk management. M-Pesa integration makes it accessible for Kenyan traders.

Getting started:

1. Choose regulated brokers
2. Start with demo accounts
3. Learn technical analysis
4. Develop trading strategy
5. Practice risk management

Recommended brokers:

• EGM Securities
• Scope Markets
• FXPesa
• Standard Investment Bank

Essential knowledge:

• Currency pairs
• Market analysis
• Risk management
• Trading psychology
• Economic indicators

Deposit/withdrawal process:

• Minimum deposit: Ksh 1,000-5,000
• Withdrawal time: 1-3 business days
• Direct M-Pesa integration
• Transaction fees consideration
• Account verification requirements

14. Affiliate Marketing

Affiliate marketing lets you earn commissions by promoting products. Many Kenyan companies offer M-Pesa payouts.

Popular programs:

• Jumia Affiliate
• Kilimall Partners
• Masoko Affiliate
• Local service providers
• Digital product creators

Marketing channels:

1. Social media platforms
2. WhatsApp groups
3. Personal blog/website
4. Email marketing
5. YouTube content

Success strategies:

• Choose relevant products
• Create honest reviews
• Build audience trust
• Track performance
• Optimize content

Commission structures:

• Physical products: 5-15%
• Digital products: 30-50%
• Services: 10-30%
• Recurring commissions available

15. Online Transcription

Transcription work offers flexible earnings for detail-oriented people. They must accurately convert audio to text.

Types of transcription:

• General transcription
• Medical transcription
• Legal transcription
• Academic research
• Media subtitling

Required skills:

1. Fast, accurate typing
2. Excellent listening
3. Grammar proficiency
4. Time management
5. Research ability

Popular platforms:

• Rev
• TranscribeMe
• GoTranscript
• Local research firms
• Media companies

Earning potential:

• Beginner: Ksh 100-200 per audio minute
• Intermediate: Ksh 200-300 per audio minute
• Expert: Ksh 300-500 per audio minute

International platforms usually pay via PayPal. Local clients prefer M-Pesa.

16. Data Entry Jobs

Data entry is an easy way to earn online. It needs few skills and offers flexible hours.

Common tasks:

• Form filling
• Database updates
• Spreadsheet management
• Document processing
• Information verification

Essential skills:

1. Fast, accurate typing
2. Attention to detail
3. Basic computer knowledge
4. Time management
5. Organization skills

Finding opportunities:

• Local company websites
• LinkedIn job boards
• Facebook groups
• Remote work platforms
• Business process outsourcing firms

Average earnings:

• Project-based: Ksh 100-300 per page
• Hourly: Ksh 200-500
• Monthly contracts: Ksh 15,000-30,000

Most local employers pay via M-Pesa. International platforms may require PayPal-to-M-Pesa conversion.

17. Facebook Marketplace and WhatsApp Business

Social commerce platforms let you reach customers for free. You can also get instant M-Pesa payments for your products.

Getting started:

• Create business profiles
• Join buying/selling groups
• Build product catalogs
• Set clear policies
• Establish payment terms

Best practices:

1. High-quality photos
2. Detailed descriptions
3. Competitive pricing
4. Prompt responses
5. Professional service

Popular categories:

• Electronics
• Fashion
• Home goods
• Beauty products
• Food items

Success tips:

• Maintain stock updates
• Build customer reviews
• Offer delivery options
• Use clear pricing
• Handle disputes professionally

18. Mobile Photography

Make money from your photography. Capture and sell photos on platforms that support M-Pesa payments.

Photography opportunities:

• Stock photos
• Event photography
• Product photography
• Real estate photos
• Portrait sessions

Required equipment:

1. Quality smartphone/camera
2. Basic editing apps
3. Storage solutions
4. Lighting equipment
5. Props and backdrops

Selling platforms:

• Shutterstock
• PhotoKenya
• Local marketplaces
• Social media
• Personal website

Pricing structure:

• Stock photos: Ksh 500-2000 per image
• Events: Ksh 5,000-20,000 per session
• Product shots: Ksh 1,000-5,000 per product
• Portraits: Ksh 3,000-10,000 per session

19. Graphic Design Services

Kenyan businesses want graphic design skills. This creates many opportunities for creatives.

Popular services:

• Logo design
• Social media graphics
• Business cards
• Brochures
• Website graphics

Essential tools:

1. Design software
2. Portfolio website
3. Communication platforms
4. Project management tools
5. File sharing solutions

Finding clients:

• Social media marketing
• Professional networks
• Design marketplaces
• Local business groups
• Referral programs

Pricing guidelines:

• Logo design: Ksh 5,000-20,000
• Social media packages: Ksh 10,000-30,000 monthly
• Business stationery: Ksh 3,000-15,000
• Website graphics: Ksh 5,000-25,000

20. Participating in Online Competitions 

Online competitions offer chances to win cash prizes, paid via M-Pesa.

Types of competitions:

• Social media contests
• Writing competitions
• Photography contests
• Innovation challenges
• Gaming tournaments

Finding opportunities:

1. Follow brand pages
2. Join contest groups
3. Check competition websites
4. Monitor local media
5. Subscribe to newsletters

Success strategies:

• Read rules carefully
• Submit quality entries
• Meet deadlines
• Follow guidelines
• Engage with organizers

Prize ranges:

• Small contests: Ksh 1,000-5,000
• Medium competitions: Ksh 5,000-20,000
• Large challenges: Ksh 20,000-100,000+
• Brand campaigns: Various prizes

21. Peer-to-Peer Lending

P2P lending platforms let Kenyans earn interest by lending money to individuals and businesses. They are secure and integrated with M-Pesa.

Popular platforms:

• Pezesha
• Branch
• Tala
• Local investment groups
• Cooperative platforms

Investment considerations:

1. Risk assessment
2. Interest rates
3. Loan duration
4. Default protection
5. Portfolio diversification

Getting started:

• Choose reliable platforms
• Start with small amounts
• Understand terms
• Monitor repayments
• Reinvest returns

Typical returns:

• Short-term loans: 10-15% monthly
• Medium-term: 15-25% per 3 months
• Long-term: 20-40% annually

Remember to factor in risk management and only invest what you can afford to lose.

22. App Referral Programs

This option has risks. But, it’s a legal way to earn through M-Pesa in Kenya if done responsibly.

Key considerations:

• Set strict budgets
• Use regulated platforms
• Understand odds
• Research thoroughly
• Practice responsible betting

Popular platforms:

1. SportPesa
2. Betika
3. Odibets
4. Betway
5. 22Bet

Risk management:

• Never bet borrowed money
• Set loss limits
• Keep records
• Avoid chase betting
• Seek help if needed

Platform features:

• Direct M-Pesa deposits/withdrawals
• Instant transactions
• Multiple betting options
• Live betting available
• Bonus programs

23. Domain Flipping

Many Kenyan apps offer referral bonuses via M-Pesa. They pay these for inviting new users who complete specific actions.

Popular programs:

• Financial apps
• Delivery services
• E-commerce platforms
• Ride-hailing apps
• Investment platforms

Maximizing earnings:

1. Choose high-paying programs
2. Share referral codes widely
3. Provide app guidance
4. Track referrals
5. Support new users

Promotion channels:

• Social media
• WhatsApp groups
• Email lists
• Personal blog
• YouTube content

Typical rewards:

• Finance apps: Ksh 200-500 per referral
• Shopping apps: Ksh 100-300 per referral
• Service apps: Ksh 150-400 per referral

24. Website Building Services

Buy and sell domain names and websites for profit. Receive payments via M-Pesa or PayPal-to-M-Pesa transfers.

Domain flipping process:

• Research trending names
• Purchase at low prices
• Add value (optional)
• List for sale
• Negotiate deals

Popular marketplaces:

1. Kenic (.co.ke domains)
2. Flippa
3. Local tech forums
4. Business groups
5. Direct outreach

Success strategies:

• Focus on local businesses
• Monitor industry trends
• Build relationships
• Price competitively
• Provide transfer support

Potential returns:

• Basic domains: Ksh 5,000-20,000
• Premium domains: Ksh 20,000-100,000+
• Developed websites: Ksh 50,000-500,000+

25. Local Business Promotion

Help local businesses grow through targeted influencer campaigns while receiving payments via M-Pesa.

Services offered:

• Content creation
• Campaign management
• Audience targeting
• Performance tracking
• Brand partnerships

Required skills:

1. Social media expertise
2. Content creation
3. Communication
4. Analytics understanding
5. Marketing knowledge

Finding clients:

• Local business networks
• Social media outreach
• Industry events
• Referral programs
• Professional platforms

Pricing structure:

• Micro campaigns: Ksh 5,000-15,000
• Monthly retainers: Ksh 20,000-50,000
• Campaign packages: Ksh 10,000-30,000
• Content creation: Ksh 2,000-5,000 per piece

Most local businesses prefer direct M-Pesa payments for influencer marketing services.

Smart Tips for Managing Your Online Income

1. Keep Track of Your Earnings

• Use apps like BudgetApp Kenya
• Separate business and personal M-Pesa accounts
• Track expenses and income
• Save income statements
• Plan for taxes

2. Protect Yourself Online

• Use strong passwords
• Enable two-factor authentication
• Be careful with personal information
• Verify payment sources
• Keep screenshots of transactions

3. Growth Strategies

• Reinvest some earnings
• Build emergency savings
• Diversify income streams
• Network with other online earners
• Keep learning new skills

Common Challenges and Solutions

1. Internet Reliability

• Have a backup internet provider
• Work from reliable locations
• Use data-saving apps
• Download work when possible

2. Payment Issues

• Keep transaction records
• Use trusted payment methods
• Maintain multiple M-Pesa accounts
• Build emergency funds
• Have backup payment options

3.Time Management

• Set realistic schedules
• Use productivity apps
• Take regular breaks
• Focus on profitable activities
• Outsource when possible

Tips for Success

Before you dive in, keep these tips in mind:

1. Start with one or two methods and master them
2. Always verify the legitimacy of platforms before investing time
3. Keep records of your earnings and expenses
4. Build your skills continuously
5. Network with other online earners

Conclusion

To earn money online with M-Pesa, you need patience, dedication, and a strategy. Start with methods that fit your skills and time. As you gain experience, expand your efforts. Remember to:

1. Research thoroughly before starting
2. Start small and scale gradually
3. Maintain professional standards
4. Keep accurate records
5. Continuously improve your skills
6. Patience and persistence
7. Continuous learning
8. Professional communication
9. Quality work delivery
10. Good money management
11. Stay informed with latest opportunities

Pick an opportunity that suit your interests and skills. You can also combine them for more stable income. With effort and the right strategy, you can earn a steady income online through M-Pesa. Got questions? Ready to start? Just pick a method and go for it. Your future self will appreciate it!

Frequently Asked Questions

Read Also

1. 21 Best Online Business Ideas in Kenya in 2024 – In-depth Guide
2. 12 Easy Online Jobs in Kenya That Pay – Earn Online in Kenya