M-Pesa Crypto Payments
M-Pesa is one of the payment methods you can use on Coinwaka in Kenya. Pay in KES with an M-Pesa STK prompt to buy crypto, and receive M-Pesa payouts when you sell. The rate and fees are always shown before you confirm.
- Buy crypto by paying with M-Pesa in KES
- Approve with an STK prompt on your phone
- Sell crypto and receive an M-Pesa payout
- Rate and fees shown before you confirm
How M-Pesa works on Coinwaka
- 1
Choose KES and M-Pesa
Select Kenyan Shilling and pick M-Pesa as the payment method.
- 2
Confirm the rate
Review the live rate, the fees, and exactly what you pay or receive before continuing.
- 3
Approve the STK prompt
For a buy, an STK prompt appears on your phone. Enter your M-Pesa PIN to approve.
- 4
Receive crypto or KES
On a buy, crypto is credited after confirmation. On a sell, the KES payout is sent to your M-Pesa number.
Why pay with M-Pesa
Familiar and fast
Pay the way you already do. Most M-Pesa payments confirm within a minute.
Works both ways
Buy crypto by paying with M-Pesa, and sell crypto for a KES payout to M-Pesa.
Clear timing
Buys are credited after the payment confirms. Larger sell payouts may be reviewed before release.
Every payment tracked
Each buy and sell has a reference and a status, with automatic reconciliation if delivery is delayed.
Secured
Money out actions are protected by your transaction PIN and 2FA.
Support access
Reach a person if a payment or payout needs attention.
Fees and limits
The M-Pesa provider fee and any spread are included in the quoted rate, so the amount shown before you confirm is what applies. Limits depend on your verification level and risk checks.
View Coinwaka feesStay safe
- Only pay through Coinwaka. Never send M-Pesa to someone who asks you to pay off platform.
- Confirm the rate and details before you approve the STK prompt.
- Never share your M-Pesa PIN or an OTP with anyone.
- If a sell payout fails, your crypto is refunded automatically.
Common questions
Can I buy crypto with M-Pesa?
Yes. Choose KES, select M-Pesa, confirm the rate, and approve the STK prompt. Crypto is credited after the payment is confirmed.
Can I sell crypto to M-Pesa?
Yes. Sell supported crypto and receive a KES payout to your M-Pesa number.
What is an STK prompt?
It is the M-Pesa request that pops up on your phone asking you to confirm the payment with your M-Pesa PIN.
How fast is M-Pesa?
Most M-Pesa payments confirm within a minute. Your crypto is credited as soon as the payment is confirmed.
Are there extra M-Pesa fees?
The provider fee and any spread are included in the quoted rate, so what you see before confirming is what applies.
What other methods can I use?
Besides M-Pesa, Coinwaka supports card, bank transfer, and PayPal for other currencies. See all payment methods.
Pay with M-Pesa on Coinwaka
Buy crypto with M-Pesa in KES, or sell and cash out to M-Pesa.
Buy crypto with M-Pesa