Load money from your card and pay at any M-Pesa merchant, settle bills, or send to a phone number — starting in Kenya, expanding across Africa.
Zero fees
Always
Instant
Payments
M-Pesa
Integrated
Balance
● Live balance
Deposit
M-Pesa · KES 5,000
Buy Goods
Till · Java House
Sent
To James M.
One app that handles every payment you need — without the hassle of carrying cash or finding a money changer.
Top up with your card or M-Pesa. Your balance is ready in seconds — no waiting, no paperwork.
Pay merchants, settle bills, buy goods at tills, or send money to any phone number. All from one app.
Withdraw to M-Pesa in KES or refund to your card. Your money, your terms.
Three steps. No crypto knowledge required. No local bank account needed.
Use your Google or Apple account. No forms, no ID upload at signup. You're in instantly.
Add funds from your card or have someone send you KES via M-Pesa. Your balance shows in USD.
Tap Pay to settle at any M-Pesa merchant, or Send to transfer to a phone or email. Done.
Download Payfreek and start paying anywhere M-Pesa is accepted. No monthly fees, ever.
Free · No monthly fees