TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
M-KOPA
Repay your M-KOPA solar home system, smartphone, or other asset financing via M-Pesa.
Looking for a loan?
Compare digital lenders in Kenya
Before borrowing from M-KOPA, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay M-KOPA
M-Pesa
Pay via M-Pesa 845 845
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 845 845
- Enter Account (Reference Number): Your M-KOPA customer ID or account number (in your contract).
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your M-KOPA customer ID or account number (in your contract).
Calculator preview
M-Pesa fees for M-KOPA
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | — |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About M-KOPA
Repay your M-KOPA solar home system, smartphone, or other asset financing via M-Pesa.
- Sector
- Lending
- Official site
- m-kopa.com
Compare lenders
Compare alternatives to M-KOPA
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about M-KOPA
What is M-KOPA's paybill number?
M-KOPA's M-Pesa paybill is 845845. Repay your M-KOPA solar home system, smartphone, or other asset financing via M-Pesa.
How do I pay M-KOPA via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 845845, then your account (Your M-KOPA customer ID or account number (in your contract).), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for M-KOPA?
Your M-KOPA customer ID or account number (in your contract).
Can I pay M-KOPA from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to M-KOPA's paybill 845 845. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying M-KOPA?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
How do I repay my M-KOPA loan?
Use M-Pesa paybill 845845 with your Your M-KOPA customer ID or account number (in your contract).. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact M-KOPA support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to M-KOPA went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. M-KOPA should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
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Related paybills
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Paybill displayed: 845 845 (mpesa paybill). How we verify.