How To Make Money Online In Kenya Through Mpesa

In recent years, the internet has revolutionized the way we conduct business and earn money. Kenya, a nation known for its vibrant digital landscape and widespread use of mobile money services like M-Pesa, has been at the forefront of embracing online money-making opportunities. This article delves into the various ways individuals in Kenya can leverage M-Pesa to make money online.

Ways To Make Money Online In Kenya Through M-Pesa

Some of the ways to make money online in Kenya and get paid to your M-Pesa include:

  • Freelancing and Online Services

The gig economy has gained significant traction worldwide, and Kenya is no exception. Whether you’re a skilled writer, graphic designer, programmer, or virtual assistant, platforms like Upwork, Fiverr, and Freelancer offer a plethora of opportunities to showcase your talents and earn money. M-Pesa’s convenient payment system allows you to seamlessly receive payments for your services from clients all over the world.

  • E-commerce and Dropshipping

Online retail has witnessed remarkable growth, with e-commerce platforms like Jumia and Kilimall becoming household names in Kenya. You can create your online store, source products, and offer them for sale using social media platforms like Facebook and Instagram. M-Pesa’s secure payment system can be integrated into your online store, providing a seamless shopping experience for your customers.

  • Affiliate Marketing

Affiliate marketing involves promoting products or services through unique affiliate links and earning a commission for every sale made through those links. Many international and local companies offer affiliate programs that allow you to earn money by promoting their products. You can share these links on social media, blogs, or YouTube channels, and receive payments directly to your M-Pesa account.

  • Online Content Creation

If you have a passion for creating content, whether it’s through blogging, vlogging, or podcasting, you can monetize your content through various avenues. Platforms like YouTube enable you to earn money through ad revenue and sponsorships. Additionally, you can use your content as a platform to promote your own products or services, driving sales that are seamlessly facilitated by M-Pesa.

  • Online Tutoring and Courses

If you possess expertise in a particular field, you can offer online tutoring or create and sell online courses. The demand for online education has surged, and platforms like Udemy and Teachable allow you to create and market your courses to a global audience. M-Pesa can serve as a secure payment method for Kenyan students enrolling in your courses.

  • Online Surveys and Market Research

Several websites and platforms offer compensation for participating in online surveys and market research studies. While the earnings may not be substantial, they can add up over time and provide a source of extra income. M-Pesa’s accessibility ensures that you can receive your rewards quickly and conveniently.

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Other Ways To Make Money Online In Kenya

The internet has transformed the way we work and earn money, offering a vast array of opportunities to generate income from virtually anywhere in the world.
While mobile money services like M-Pesa have become popular in certain regions, there are numerous other ways to make money online that transcend geographical boundaries. In this article, we’ll explore various online money-making avenues that go beyond M-Pesa.

Other ways to make money online in Kenya that pay through PayPal, Payoneer, foreign bank transfer, crypto and other ways include;

  • Stock Photography and Videos

If you have a passion for photography or videography, you can monetize your creative skills by selling your work on stock platforms like Shutterstock, Adobe Stock, and Getty Images. These platforms allow you to upload your images and videos for sale, earning a royalty fee each time someone purchases your content.

  • Print on Demand

Print on demand (POD) services enable you to create custom designs for products like T-shirts, mugs, phone cases, and more. Websites like Printful and Teespring handle the production, shipping, and customer service, while you earn a portion of the sale price for each item sold with your design.

  • Online Consulting and Coaching

If you possess expertise in a particular field, you can offer consulting or coaching services online. Whether it’s business, career, fitness, or personal development, platforms like and connect you with clients seeking your guidance. Video calls and messaging allow you to provide personalized advice and assistance.

  • Podcasting

Podcasting has gained immense popularity as a medium for sharing valuable content and building an audience. While direct monetization might take time, you can earn money through sponsorships, affiliate marketing, and crowdfunding platforms like Patreon. Over time, your podcast could become a reliable source of income.

  • Virtual Events and Webinars

Hosting virtual events, workshops, and webinars on platforms like Zoom and WebinarJam can be a lucrative endeavor. Whether you’re sharing knowledge, conducting training sessions, or organizing industry-specific events, participants can pay to attend, and payments can be facilitated through various online payment gateways.

  • Online Marketplaces

Beyond e-commerce giants, there are numerous online marketplaces catering to specific niches. For example, Etsy is a platform for selling handmade, vintage, and unique products. It’s a great place for crafters and artisans to showcase their creations and reach a global customer base.

  • Language Translation and Transcription

If you’re fluent in multiple languages, you can offer translation and transcription services online. Websites like TranscribeMe and Gengo connect you with clients looking to translate documents or convert audio/video content into text, allowing you to earn money based on the complexity and length of the task.

  • Online Surveys and User Testing

Participating in online surveys and user testing can provide a steady stream of supplementary income. Websites like Survey Junkie and UserTesting pay you for sharing your opinions on products, services, and websites. While not a primary income source, these platforms offer an easy way to make money online.

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The digital landscape offers an abundance of opportunities to make money online that extend beyond M-Pesa and region-specific mobile money services.
The key to success in these endeavors lies in your passion, dedication, and the value you provide to your target audience. While some methods might require a learning curve or initial investment of time, the potential for financial gain is significant. Explore your strengths, interests, and the skills you possess, and tap into the diverse world of online income generation.


The digital age has opened up a world of opportunities for individuals in Kenya to make money online using M-Pesa. Whether you’re a freelancer, entrepreneur, content creator, or educator, the avenues for generating income are diverse and promising.
With determination, creativity, and a willingness to learn, you can tap into the power of the internet and M-Pesa to achieve your financial goals from the comfort of your home. Remember, success in the online world takes time, dedication, and a commitment to providing value to your audience or clients.

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