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Mkopa Paystack Payment Link is a payment setup that allows MKopa customers to make payments for goods and services purchased using just their 10-digit mobile number. M-KOPA (Mobile KOPA) is a Kenyan-based financial technology company that provides pay-as-you-go (PAYG) financing for essential products and services.
The core idea of the mobile money app is to helps people who don’t have access to traditional banking or credit systems buy items like smartphones, solar home systems, TVs, refrigerators, and even electric motorcycles through small daily or weekly payments made via mobile money.
These daily or weekly payments can be made through various payment gateways, including M-Pesa, Paystack, or Quickteller in Kenya. It’s also worth noting that Kenya is not the only African country where M-KOPA operates; the credit platform is also active in Nigeria, Ghana, and Uganda, each with different payment options.
In Nigeria, customers can make payments through local bank accounts linked to their M-KOPA. Payments can also be made via USSD codes for users without smartphones or an internet connection. Other available payment options in Nigeria are Paga, OPay, and card payments—which are available through M-KOPA’s digital platform and integration with Paystack for customers who prefer debit or credit cards.
In Ghana, MTN Mobile Money is the primary payment option. Vodafone Cash and AirtelTigo Money are also supported in some areas. In Uganda, MTN Mobile Money is also one of the payment options. Payments go through the M-KOPA Paybill number 333222 or via the M-KOPA app directly. Airtel Money is also available for customers using Airtel lines in Uganda.
Mkopa Paystack Payment Link
M-KOPA Paystack Payment Link is a custom URL—generated via Paystack (or an embedded Paystack checkout)—that redirects a customer to a web payment page, allowing the customer to pay their M-KOPA dues directly via Paystack channels using card, bank transfer, USSD, etc.
The link works in the sense that it will be generated for you when you want to make payments into your M-KOPA account. Once the link is generated, it includes a unique identifier—your M-KOPA account ID.
When you click on the link, it redirects you to a Paystack checkout page where you choose your preferred method—e.g., card, bank transfer, or USSD—for the payment.
After payment, Paystack notifies M-KOPA’s system (via a webhook or callback) so that M-KOPA marks the payment as successful. However, it's important to note that this M-Kopa Paystack Payment Link is a time-bound and requires authentication to prevent misuse.
RELATED: Glovo Paystack Payment Link.
M-KOPA FAQs
How to pay M-KOPA phone?
To pay for your M-KOPA phone, you need to choose your preferred payment method depending on your country. We've explained M-Kopa avalanble payment options in each country in this article. It's also important to note that each M-KOPA account is linked to your phone number, so when you make a payment, it automatically updates your balance and unlocks your phone for continued use.
However, to pay for your phone and get it unlocked, follow these steps: open your mobile money menu, go to Lipa na M-Pesa (Kenya) or Pay Bill (Nigeria), enter the M-KOPA Paybill number 333222, use your M-KOPA account number as the account reference, and then enter the amount you wish to pay. Once the transaction is successful, your phone will remain active, and you’ll receive a confirmation message.
How to get M-KOPA cash loan?
To get a cash loan from M-KOPA, you must first be an existing customer who has demonstrated a good payment history from thr repayment of thr gadget you've gotten on BNPL. Well, in addition to BNPL services that M-KOPA is offering, the credit platform is also offering small cash loans to customers who consistently pay on time for their devices or services.
So, you can check your eligibility by logging into the M-KOPA app or visiting a nearby M-KOPA retail outlet. If you qualify, you’ll see a “Cash Loan” offer section where you can apply and receive money directly into your mobile money account (like M-Pesa or MTN Mobile Money). The loan amount and repayment period depend on your credit history with M-KOPA platform.
How to unlock M-KOPA phone?
M-KOPA phones are sold on a pay-as-you-go basis; this means they remain locked if you fail to make payments or if the payments are overdue. In this situation, what you can do to unlock your M-KOPA phone is making your due payment through your usual payment channel. Once your payment is processed, the M-KOPA system automatically sends a signal to unlock your device.
If your phone remains locked even after payment, restart the phone, and it'll be unlocked after booting. But if it still remain locked, then you'll need to connect it to the internet to sync with M-KOPA’s servers. Above all, always ensure your payments are up to date to keep your phone fully functional.
How to get M-KOPA cash loan via M-Pesa?
If you’re in Kenya and want to get an M-KOPA cash loan via M-Pesa, it's possible. First make sure you’re a consistent M-KOPA customer with good payment history because that's the important criteria to get a cash loan offer on your M-KOPA account. If you check your account and you see that you're eligible, tap on continue and M-KOPA will send you a notification inviting you to apply for a cash loan.
Once you receive the invitation and accept it, you can then apply directly from your M-KOPA account via the credit platform app or via SMS instructions provided. Once approved, the loan amount will be sent straight to your M-Pesa account—which you should have linked to your M-Kopa account. You’ll then repay it gradually using the same M-Pesa Paybill 333222, ensuring timely payments to maintain eligibility for future loans.
How to pay M-KOPA phone using Paybill?
To pay for your M-KOPA phone using Paybill (Kenya), open your M-Pesa menu on your phone, select Lipa na M-Pesa, then choose Pay Bill. Enter the M-KOPA Paybill number 333222, followed by your M-KOPA account number as the account reference. Next, enter the amount you want to pay and your M-Pesa PIN to confirm. You’ll receive a confirmation SMS from both M-Pesa and M-KOPA. This method is the fastest and most common way to make your daily or weekly payments and ensure your phone stays unlocked.
How to check M-KOPA balance
To check your M-KOPA balance, you can use several easy methods. The simplest way is through the M-KOPA app, where your remaining balance, payment history, and due date are displayed. You can also check via USSD by dialing the short code provided by M-KOPA (it may vary by country). In Kenya, customers can text the word “BALANCE” to the M-KOPA number (such as 22201) or check through the message notifications received after each payment. Knowing your balance helps you stay on top of payments and avoid your device being locked.
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