M-Pesa Online Casinos 2023

M-Pesa Online Casinos  2023

If you have been searching for the best M-Pesa online casinos in Kenya, your search ends here. Not only have we gathered the best online casino accepting M-Pesa as a payment option in Kenya, but we have also included useful information to help you start your online casino experience. Read how you can deposit using M-Pesa at online casinos and withdraw your winnings seamlessly using the same payment method. If you are wondering whether to sign up at the new M-Pesa casinos in Kenya, we have highlighted the pros and cons of using the payment method. Read them and decide if the pros outweigh the cons before signing up.

The first time M-Pesa was mentioned in Kenya was in 2006, when mobile phone usage was gaining traction in the country. Being a developing country, the brains behind M-Pesa were targeting ordinary citizens who did not have bank accounts. Their pilot program to see how well the payment method would be picked up was so successful that in March 2007, M-Pesa was officially launched as part of Safaricom PLC. 

Best M-Pesa Online Casinos MARCH 2023

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M-Pesa & Airtel
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Elishama A. Written & published: 17.10.2022 By author Elishama A.
Richard B. Reviewed & updated: 22.03.2023 By gambling expert Richard B.

General info about M-Pesa

The name M-Pesa is coined from two different words; M – from Money and PESA for Money in Swahili. Its primary objective was to enable users within the same network – Safaricom – to send and receive money through their phones. To do this, one simply had to walk to the nearest M-Pesa agent, deposit money into their phone, and send the money deposited to the recipient.

It was a very simple procedure that saw hundreds of thousands of people embrace it. It became so successful that other network providers, Airtel and Telkom Kenya, jumped on board and started their money transfer services, Airtel Money and T-Kash, respectively.

  • Mobile payment services

    Along the way, M-Pesa became so successful that the brains behind the service decided to try something new. Given that they had more than 10 million subscribers, they decided to try to include a new feature called “Lipa Na M-Pesa,” which loosely translates to “Pay with M-Pesa.”

    The service was launched in June 2013, and the target was SMEs. With this launch, Safaricom wanted to entrench the use of its mobile money services as a payment for goods and services. To achieve this, Safaricom welcomed all small and big businesses to open a till with them free of charge. It didn’t matter whether you had a physical or online business, as long as you wanted to use the Lipa Na M-Pesa service, you could get on board.

    To enrol, you simply needed your KRA PIN Certificate and ID card number if you were a small business. Big businesses such as financial and government institutions, entertainment joints such as pubs, casinos, and other businesses would require a trading licence and a KRA PIN certificate to open a till number. 

  • Lipa Na M-Pesa Services

    To fully understand how it’s possible to make payments to an online casino using your mobile phone, you need to fully understand the workings of the Lipa na M-Pesa. This one is divided into two: Paybill and Buy Goods.

    When an online casino’s application for a till number is approved, Safaricom will allocate it a unique number. This can either be in the form of a Paybill or Buy Goods. Most online casinos opt for the Buy Goods option, which is more convenient and easier to use. You can access Lipa Na M-Pesa services through your SIM tool kit or download the Safaricom App from your respective app store.

M-Pesa quick facts

✅ Name Vodafone + Safaricom
⚡ Type Mobile Payment Solution
⚖️ Incorporated Kenya
📅  Founded 2007
🤵 Support Dial *150*00# or use the M-Pesa App
💳 Deposit Yes
⚡Deposit time Instant
💰 Withdrawal Yes
⭐ Withdrawal time 5 minutes

Getting started with M-Pesa

Getting started with M-Pesa is easy. In case you are reading this, you probably own a Safaricom line. It is a prerequisite because all the transactions will be made through the line. The line has to be registered under your name and has an M-Pesa pin. You should not share the unique pin, as anyone with it can send, withdraw or use the money in your account to make a payment.

Once you have your M-Pesa line, visit the nearest Safaricom shop or M-Pesa agent with your original ID. Ask the agent to help you register your line for M-Pesa services. They’ll ask for your ID and take a passport photo of you. After that, your line will be ready to transact at any mobile casino accepting M-Pesa.  

M-Pesa video explanation

Deposits to Kenyan online casino with M-Pesa

Transacting at an online casino with M-Pesa deposit isn’t different from your usual transaction with any merchant. Follow the steps below to top up your online casino balance:



Register by signing up at any of the recommended online casino sites. The whole process should be seamless and straightforward. Ensure you specify the same name during signup as is also registered with your M-Pesa line.



Account confirmation is completed by entering the One Time Password sent to your mobile phone number. Your account is now ready for use.



KYC stands for Know Your Customer. It’s a process that requires you to send a copy of your government-issued ID and proof of address to verify your identity and location. Since many people don’t have physical addresses in Kenya, sending a copy of your ID is enough to help complete the KYC verification process. The best M-Pesa casinos will complete this process in under a few hours.



To deposit to a mobile casino accepting M-Pesa, simply go to your M-Pesa menu > select ‘Lipa na M-Pesa’ > ‘Pay Bill option’ > Enter the Paybill number shown on the casino’s M-Pesa page > Enter account number as indicated by the casino > Enter amount > Enter your M-Pesa pin to complete the transaction.

Depositing directly to a casino account

There’s also a second way to send funds to an online casino with M-Pesa deposit. Once you created a casino account, click on the deposit button and select M-Pesa as the payment method. Follow the onscreen instructions to complete your M-Pesa deposit.

Using QR code scanner

Another way you can make a deposit is by using the new M-Pesa QR Code Scanner method. To deposit using this method:

  • Visit an online casino with M-Pesa deposit
  • Scan the QR Code, which is the equivalent of the Till Number or PayBill
  • Enter the amount you’d like to deposit
  • Confirm the transaction to complete it

Withdrawal from Kenyan online casinos with M-Pesa

Withdrawals are much easier and faster than deposits at the best online casino accepting M-Pesa. To cash out your winnings, you should follow the steps below:

  • Log into your online casino account
  • Select the withdrawal option
  • Pick M-Pesa as your preferred method
  • Enter the amount
  • Confirm the transaction

Once you’ve confirmed the transaction, you will receive a confirmation message to your Safaricom line.

Withdrawing with SMS

Every online casino with M-Pesa withdrawal will have a special SMS service. To use this service, simply send an SMS to (the casino’s SMS number) with the respective code word. 

With a purpose of cashing out funds from an online casino, you should key in WITHDRAW#AMOUNT to (XXXXX). E.g. you can WITHDRAW#500 and then send the code to 2022. Once the message has been processed successfully, you will receive a confirmation text.

Withdrawing with USSD code

To use this option, dial *644# and then pick Safaricom as your preferred option. Follow the onscreen instructions to complete your transaction.

M-Pesa pros & cons

One of M-Pesa’s mantras is to provide its members or users with safe and secure transactions. Only you can authorise the transaction because you are the only person who knows the M-Pesa pin number
Top online casinos with M-Pesa in Kenya will not charge you for any transaction you make on their platform. If there are any fees, they are friendly and are usually associated with Paybill transactions
Transactions are super-fast compared to some of the traditional digital services such as Skrill and Neteller
M-Pesa is everywhere. It’s estimated that M-Pesa contributes 6% to the GDP of Kenya, which makes it a big entity. Due to this, nearly everyone with a Safaricom line has it linked to M-Pesa services
Over the past few years, Safaricom has been upgrading its flagship product, M-Pesa. Now, you can use a state-of-the-art M-Pesa app, which you can download from Google Play or App Store
The app has the Face ID feature for improved security. It also has a Fingerprint recognition feature to authorise transactions
While Safaricom has done its level best to ensure M-Pesa is indeed a cutting-edge product, it is still marred with issues of safety and security, with some people complaining about losing their cash mysteriously
There have been cases where players have paid money to a wrong mobile casino accepting M-Pesa and the money failed to get reversed

M-Pesa alternatives

Payment method Link to read
❤️️ Airtel Read more
₿ Cryptocurrency Read more
✅ Paysafecard Read more
💳 Mastercard Read more
⚡ Visa Read more
✌️ Paypal Read more
✔️ Skrill Read more
⭐ Neteller Read more
💰 Bank wire transfer Read more

Deposit and withdrawal times

Depositing money into a mobile casino accepting M-Pesa is a near-instant procedure. Once you’ve completed the last step, the transaction will be processed almost immediately. Like the withdrawal, once the money has been credited to your account, you will receive a message informing you the transaction has been completed. Cashout waiting times in casinos with M-Pesa withdrawal vary from one brand to another. For some online casinos, you can make a withdrawal request and receive your winnings in under four hours.

For some of the casinos with M-Pesa withdrawal services, there is a 24-hour pending period. During this time, they will have to validate a transaction before processing it. After that, you can expect your winnings normally within five hours.

One point you must note is that all casinos with M-Pesa withdrawal services require you to complete the KYC verification process before paying out your winnings. This is mandatory and is part of the Anti-money laundering policy. If you fail to complete this process, you won’t receive your winnings. You must also note that there is no shortcut to completing the process. The names appearing in your online casino and M-Pesa accounts must match.

M-Pesa fees and limits

One of the points we must note is that M-Pesa has aged well. Between March 2007, when the service was first introduced, and today, there have been so many positive changes that benefit the user. Some of these areas are fees and limits. 

At the start of the venture, transaction fees were high compared to what we are charged today. The limits were also very low. The maximum you could transact per day was capped at  Ksh140,000. This has, however, changed over time. As of 2022, you can transact up to a maximum of Ksh300,000 daily and Ksh605,000 monthly.

The fees have also been reduced significantly. Because there are different transaction limits, you can pay fees between Ksh23 and a maximum of Ksh161. Top online casinos with M-Pesa in Kenya will not charge you any fees for withdrawals. 

However, some online casinos will have a fixed fee on all withdrawals they process. They can charge you Ksh100, Ksh200 or any other amount to process your withdrawal. Ensure you read through the withdrawal policy to know if there are any fees.

Safety tip

It would help if you never shared your M-Pesa PIN with anyone. This includes even the closest family member. Your PIN, as Safaricom says, is your secret. If anyone calls you, identifying themselves as a Safaricom agent and asking for your PIN, they are scammers. Safaricom will never ask for your PIN – ever! People who share their PIN or entertain such calls are the ones that end up being scammed or losing their money through SIM Swaps.

M-Pesa pros for online casino payments

Many may wonder why there are so many new M-Pesa casinos in Kenya, including international brands. The most obvious reason is that top online casinos with M-Pesa in Kenya offer so many advantages over Airtel Money and T-Kash. Below are some of the advantages you are bound to experience while playing in a desktop or mobile casino accepting M-Pesa.

  • Safe and secure transactions

    One of M-Pesa’s mantras is to provide its members or users with safe and secure transactions. Besides using sophisticated encryption technology when processing payments, the platform has a team of anti-fraud experts who monitor transactions conducted on the site.

    Additionally, they use PIN services to ensure all the transactions you perform are 100% secure. Only you can authorise the transaction because you are the only person who knows the M-Pesa pin number.

  • Fast and free transactions

    Top online casinos with M-Pesa in Kenya will not charge you for any transaction you make on their platform. If there are any fees, they are friendly and are usually associated with Paybill transactions. The transactions are also super-fast compared to some of the traditional digital services such as Skrill and Neteller.

  • Convenience

    M-Pesa is everywhere. It’s estimated that M-Pesa contributes 6% to the GDP of Kenya, which makes it a big entity. Due to this, nearly everyone with a Safaricom line has it linked to M-Pesa services. Consequently, to transact using it as a payment method is a seamless and easy process.

    Don’t have cash in your phone and need to make a quick deposit? Call up your friend and ask them to M-Pesa you. Deposit and start playing your favourite game. Don’t have any M-Pesa but have cash that you can deposit later? Use the Fuliza service to deposit as much as Ksh20,000 and pay later.

    While the last option may be convenient, it’s not advisable to use it. Only use Fuliza when you are in a life-death situation to avoid spending money irresponsibly.

  • Special features

    Over the past few years, Safaricom has been upgrading its flagship product, M-Pesa. Now, you can use a state-of-the-art M-Pesa app, which you can download from the Google Play Store or App Store. The app comes with plenty of features that make it easy, safer, and more secure to transact.

    It has the Face ID feature for improved security. It also has a Fingerprint recognition feature to authorise transactions. 

    If you are always using the same Paybill and Buy Goods number to transact, the app will save it so that the next time you are depositing, it will just be a matter of using your facial ID to complete the transaction.


M-Pesa is a widely accepted payment method in Kenya, thanks to the advantages it offers over other payment methods. At the online casinos accepting M-Pesa, you can use this option to quickly make deposits, in a safe and secure manner. Although there is a fee on the M-Pesa side, it is still much lower compared to what Skrill, Neteller, and other digital payment methods charge you. By signing up in the best M-Pesa online casinos in Kenya, you will not only be able to play a wide variety of games but you will also be able to enjoy plenty of other perks. A myriad of bonuses and promotions, friendly support services, and a chance to play with players from other parts of the world through live casino games. Pick your brand today and start playing casino games using M-Pesa today!

M-Pesa online casinos FAQ

What is M-Pesa?

M-Pesa is a very easy-to-use and convenient way of sending and receiving money and making payments online and at land-based shops. Only users in Kenya's largest mobile network, Safaricom, and associated companies such as Vodafone can use the M-Pesa services.

Is it a safe payment method?

Absolutely. Although the service has been riddled with fraud and scams over the past few years, the product itself is 100% foolproof. To ensure high levels of safety and security have been upheld, M-Pesa uses PIN services. The M-Pesa PIN you set is only known to you. Ensure you don’t share this PIN with anyone to safeguard your finances at all times.

How much can I deposit to a casino per transaction?

How much you can deposit to your online casino account per transaction depends on the online casino you've signed up to. However, most of the best M-Pesa casino sites allow you to deposit a minimum of Ksh10 up to a maximum of Ksh300,000 per transaction. The limits can be slightly lower for new M-Pesa casinos in Kenya.

Can I withdraw funds from casinos using M-Pesa?

Yes, if the online casino supports M-Pesa as a withdrawal option, you can cash out your winnings through the channel. Casinos with M-Pesa withdrawal will usually have different limits, ranging from a low of up to Ksh30,000 between 6:01 am to 11:59 pm and a maximum of Ksh300,000 for withdrawals between midnight - 6 am. The best way to know the limits is by contacting the support team for help.

Are there any transaction fees?

The best M-Pesa casino sites should not charge you any transaction fees, whether you are depositing or withdrawing your winnings. However, you may be charged a small fee by Safaricom for using their services.

How fast will my money appear in the casino account?

It all depends on the online casino you visit. If there is no pending period, you should receive your cash within 2-4 hours at most. If there is a pending period, you can wait for your winnings up to 26 hours after making the withdrawal request.

Can I use M-Pesa on a mobile device only?

M-Pesa is a mobile money solution. It means you can only use it to transact while using your mobile phone. For the best experience possible, download the M-Pesa mobile app.