Telkom, Safaricom, and Airtel have today announced the interoperability of their mobile money service platforms. This will allow Kenyans to make mobile money payments to a Lipa Na M-PESA Buy Goods Till, from any of the three networks.

The service will exclusively be applicable to Lipa Na M-PESA Buy Goods and excludes PayBills. This is the first phase towards complete Merchant Interoperability, whose objective is to enable customers from the three mobile money service platforms: T-kash, M-PESA, and Airtel Money make direct mobile money payments to any merchant till number, across all networks, boosting the adoption and convenience of making cashless payments.

This proposition is in line with the principles of the National Payments Strategy, 2022 – 2025, that was launched by the Central Bank of Kenya in February this year:
1. Trust
2. Security
3. Usefulness
4. Choice
5. Innovation

Telkom Kenya’s CEO, Mugo KIBATI says: “Kenya remains a global leader in the adoption of mobile money, with transactions in the billions of shillings reflecting the evolving customer demand for secure transactions. Our mobile money service, T-kash, is the culmination of extensive research on evolving customer demands, such as the need for security, simplicity, availability and a diversified service offering. In addition to enriching our financial service offering, the introduction of merchant interoperability brings us closer to realising a cashless
economy, further enhancing a seamless digital transactions ecosystem that gives the consumer more

Safaricom’s CEO, Peter NDEGWA says: “Safaricom is delighted to partner with other industry players on this exciting innovation to empower mobile money customers in the country to make payments through Lipa Na M-PESA. This partnership builds on the successful rollout of mobile money interoperability making it possible for customers to send and receive money from any network in the country.”

Telkom, Safaricom, and Airtel are confident that this solution will offer a faster, more affordable, secure,
and convenient alternative to cash payments and also eliminate the hassle of transferring money across
networks, before making payments.

One can pay on Lipa na Mpesa via Tkash by;

  • Dialing *160#
  • Selecting Buy Goods & Services
  • Selecting use M-Pesa Till
  • Entering the Till number.

On Airtel, one needs to;

  • Dial *222#
  • Select Lipa na Airtel Money
  • Select Pay Goods- M-pesa Till
  • Enter M-Pesa Buy Goods Till