---
title: "Customer Wallet top-up with M-PESA"
description: "M-PESA, M-PESA wallet top up, M-PESA integration, Kenya mobile payments, Tanzania mobile payments, Mozambique mobile payments, wallet recharge with M-PESA"
url: https://support.onde.app/en/articles/8866094-customer-wallet-top-up-with-m-pesa
collection: "Mobile Money"
updated: 2026-07-17
language: en
alternates: [es, ru]
---

# Customer Wallet top-up with M-PESA

M-PESA, M-PESA wallet top up, M-PESA integration, Kenya mobile payments, Tanzania mobile payments, Mozambique mobile payments, wallet recharge with M-PESA

M-PESA allows for a fast and efficient [Customer Wallet](https://support.onde.app/en/articles/6254228-customer-wallet.md) top-up. It is a great alternative to regular card top-up as one does not have to add any cards to in-app Wallet but rather use the balance of their M-PESA account.

M-PESA is added on a Merchant level by a [Brand](https://support.onde.app/en/articles/5012764-brands.md) or a Merchant manager and activated for a company in My hub.

M-PESA is integrated via the Flocash payment gateway and works for Kenya (KES), Tanzania (TZS), Mozambique (MZN).

To enable M-PESA payment method on wallet top-ups a company should:

1.  Have customer wallet activated
    
2.  Have a merchant account with Flocash
    

To add M-PESA for Сustomer wallet top-ups, proceed to the tab “Payment gateways” > select M-PESA in “For wallet top-up only” > tap PROCEED > choose Flocash from the drop down list of payment gateways, fill out all the keys and tap “SAVE” to finalise.

![](https://staticfiles.gleap.io/helpcenter/691718d37300b47544342994/20260212081623_4175.png)

Once that is done, proceed to My Hub and enable the Flocash gateway in My Hub for required companies.

![](https://staticfiles.gleap.io/helpcenter/691718d37300b47544342994/20260212081623_5430.png)

**All set! Now your customers are able to top their Wallets up with M-PESA as follows:**

1.  **Access Wallet in Customer app**
    
2.  **Select M-PESA**
    
3.  **Fill in payer details: name + surname, email and phone number**
    
4.  **Specify athe top-up amount > Continue**
    
5.  **Review and confirm**
    
6.  **Await on a pending payment screen for Flocash to display the instruction for the payer to use a mobile USSD interface to complete the payment**
    
7.  **Check payment result screen upon payment completion**
    

**If the payment fails or the payer closes the “Pending” screen or closes the app he is redirected to the main wallet page.**

![](https://staticfiles.gleap.io/helpcenter/691718d37300b47544342994/20260212081623_8788.png)![](https://staticfiles.gleap.io/helpcenter/691718d37300b47544342994/20260212081623_4613.png)

**If the payment with M-PESA is successful the transaction will be shown in Wallet transaction history.**

**In case “**[**Transaction fee**](https://support.onde.app/en/articles/4168090-customer-credit-card-transaction-fee.md)**” is added in Flocash for “For wallet top-up” it will apply for each Customer wallet top-up with M-PESA.**

**3DS is not supported for wallet top-up with “mobile money” payment methods.**

**IMPORTANT**

One may choose to have separate merchant accounts for 1 company:

1.One - for regular card payments/direct customer wallet/driver balance top-ups with cards

2.Another one - for wallet top-up with M-PESA payments.

For that, the company has to add 2 separate payment records in Merchant one by one and activate them in My Hub.

![](https://staticfiles.gleap.io/helpcenter/691718d37300b47544342994/20260212081622_2128.png)

Learn more on Flocash merchant activation in [Flocash merchant integration guide](https://support.onde.app/en/articles/6752124-flocash-payment-gateway-setup.md).

Get more insights on payment options in customer wallet in

[Customer wallet top-up with Apple Pay](https://support.onde.app/en/articles/7837404-apple-pay-for-customer-and-driver-wallet-top-up.md)

[Customer wallet top-up with Pix](https://support.onde.app/en/articles/8159776-customer-and-driver-wallet-top-up-with-pix.md)

[Customer wallet top-up with GoPay](https://support.onde.app/en/articles/8409307-customer-wallet-top-up-with-gopay.md)

Consult our [Adding a payment gateway](https://support.onde.app/en/articles/5591902-how-to-add-a-payment-gateway-video-guide.md) video to get all the details on activating a payment gateway!