Top 10 Lucrative Online Businesses in Kenya that Pay Through M-Pesa

Top 10 Lucrative Online Businesses in Kenya that Pay Through M-Pesa

Last updated on December 12th, 2023 at 11:11 am

Looking to make money online in Kenya? You’re not alone. With the rise of technology and mobile connectivity, more Kenyans are turning to the internet for income opportunities that offer flexibility and good earnings.

Whether you’re a student needing extra cash, a stay-at-home parent looking to contribute financially, or someone just seeking independence from 9-5 jobs, finding an online business that pays through M-Pesa can be a game-changer.

Did you know?

Online businesses in Kenya have soared because they mesh perfectly with how people prefer to handle money today—through their phones! This means you can earn from anywhere at any time.

In this article, we’ll guide you through ten lucrative digital ventures that connect seamlessly with M-Pesa for hassle-free transactions. By tapping into these opportunities, financial stability could be just clicks away.

Ready to discover your next source of income?

Let’s dive in!

Why Online Businesses in Kenya are Booming

High internet and mobile phone penetration in Kenya has created a conducive environment for online businesses to thrive. The growing acceptance of online shopping and digital payments, especially through M-Pesa, has also contributed to the booming online business scene in the country.

High internet and mobile phone penetration

In Kenya, almost everyone has access to a mobile phone and the internet is widely available.

These technologies connect people across the country at an astonishing rate. With such a large number of Kenyans online, digital marketplaces and remote work opportunities are thriving.

You can now tap into these lucrative spaces with just a few clicks.

Your smartphone isn’t just for calls and texts; it’s your gateway to making money online. Whether you’re in Nairobi or out in rural areas, as long as you have mobile connectivity, you can participate in various online business ventures from anywhere.

This means that earning through M-Pesa has become more accessible than ever before, offering flexible ways to manage your income directly from your phone.

Embrace of online shopping and digital payments

With high internet and mobile phone penetration, Kenya has seen a significant embrace of online shopping and digital payments. The rise in e-commerce platforms and the convenience offered by digital payment methods such as M-Pesa have contributed to this shift.

As more Kenyans gain access to the internet and smartphones, there is a growing trend towards making purchases online and using digital means for transactions. This transformation has opened up opportunities not only for consumers but also for businesses looking to capitalize on the expanding market for online goods and services.

The increasing acceptance of online shopping and digital payments aligns with the evolving landscape of business in Kenya, creating new avenues for entrepreneurs to explore different models that cater to the changing preferences of consumers who are now more willing than ever to shop or pay electronically.

Top 10 Best Paying Online Businesses in Kenya that Pay Through M-Pesa

Looking to make money online in Kenya?

Here are 10 lucrative online businesses that pay through M-Pesa, including freelance writing, virtual assistant work, web design and development, digital marketing, social media influencing, forex trading, e-commerce, online surveys, creating a YouTube channel and affiliate marketing.

Each of these options offers the opportunity to earn a sustainable income while working from the comfort of your own home.

Freelance Writing

Freelance writing is a lucrative online business in Kenya, offering flexible work opportunities and the chance to earn money through M-Pesa.

With the high demand for online content, there are ample job openings for freelance writers on platforms like Fiverr and Upwork.

Individuals with strong writing skills can explore various niches such as blogging, copywriting, and article writing to capitalize on this growing market.

Beginners can start earning competitive rates without prior experience by taking up data entry and online writing jobs that pay daily.

Virtual assistant positions provide another avenue for earning money from home with hassle-free payments through M-Pesa.

You can expand your skill set by offering administrative support to businesses or entrepreneurs remotely while enjoying the convenience of mobile money transactions.

Virtual Assistant

As a virtual assistant in Kenya, you can provide administrative and clerical support to businesses or entrepreneurs remotely.

Tasks may include managing emails, scheduling appointments, handling customer inquiries, and creating content for social media platforms.

Many companies are looking to hire virtual assistants to handle various day-to-day tasks without the need for physical office space.

Virtual assistants in Kenya also have the opportunity to work with international clients through online freelance platforms such as Fiverr and Upwork.

This allows for flexibility in working hours and potential for higher income compared to traditional employment opportunities.

Web Design and Development

Transitioning from virtual assistance to web design and development, this field offers a promising avenue for online businesses in Kenya.

With high demand for professional websites, the opportunity to capitalize on web design and development skills is abundant.

As an aspiring entrepreneur or freelancer in Kenya, learning these essential skills can lead to lucrative opportunities.

Providing web design and development services specifically tailored for the Kenyan market presents a chance to carve out a niche in this competitive industry.

By honing your expertise in website creation and customization, you can tap into the thriving e-commerce landscape of Kenya.

Kenya’s digital marketplace is rapidly expanding, making it vital for businesses to establish a strong online presence.

Leveraging your knowledge of responsive design and user-friendly interfaces can place you at the forefront of meeting this demand.

Digital Marketing

Transitioning from web design and development, another lucrative online business in Kenya is digital marketing.

With the increasing use of social media and online platforms, businesses are seeking skilled individuals to promote their products and services digitally.

As a digital marketer, you can offer services such as social media management, content creation, email marketing, search engine optimization (SEO), and online advertising.

Leveraging your skills on popular freelance platforms like Fiverr or Upwork can connect you with businesses looking for professional digital marketing services.

With high demand for online promotion strategies in Kenya’s evolving market, digital marketing presents a promising opportunity to earn through M-Pesa payments.

Social Media Influencing

Social media influencing is a highly lucrative online business in Kenya that allows individuals to earn money through M-Pesa.

As an influencer, you can collaborate with brands and companies to promote their products or services on platforms like Instagram, Facebook, Twitter, and YouTube.

With the high internet and mobile phone penetration in Kenya, the potential for earning income through social media influencing is significant.

Furthermore, affiliate marketing is often intertwined with social media influencing, allowing influencers to earn commissions by promoting products or services through their social media channels.

Forex Trading

I kow you must have heard about this as one of the best paying online business in Kenya.

But is it really?

Forex trading offers Kenyans the opportunity to earn significant income from home through online currency trading.

With the ease of accessing global financial markets, individuals can leverage their knowledge and skills to make profitable trades.

Many Kenyans are tapping into this lucrative venture, taking advantage of platforms that allow for hassle-free deposits and withdrawals through M-Pesa.

The flexibility and potential for high returns make forex trading an attractive option for those seeking online business ventures in Kenya.

Aspiring forex traders in Kenya can benefit from various educational resources available online to develop their understanding of market trends and strategies.

Additionally, with the rise of fintech solutions like M-Pesa, the accessibility and convenience of participating in forex trading have become more inclusive for individuals across Kenya.


After exploring the potential of Forex trading, it’s evident that e-commerce is another lucrative online business in Kenya.

With high internet and mobile phone penetration, more Kenyans are embracing online shopping and digital payments through platforms like M-Pesa.

E-commerce enables entrepreneurs to sell a wide range of products and services, from clothing and electronics to handmade crafts and digital downloads.

Setting up an e-commerce store allows you to tap into the growing trend of online shopping in Kenya while leveraging hassle-free M-Pesa payments for seamless transactions.

The shift towards e-commerce presents significant opportunities for entrepreneurs looking to capitalize on the booming digital market in Kenya.

By utilizing effective marketing strategies coupled with high-quality products or services, individuals can establish successful e-commerce ventures that cater to the evolving consumer preferences in the country.

Online Surveys

Diving into the world of online surveys opens up opportunities for individuals in Kenya to earn extra income from the comfort of their homes.

Various websites and platforms offer paid survey opportunities that pay through M-Pesa, allowing you to share your opinions on products and services while earning money.

Many businesses are eager to gather feedback, making online surveys a convenient way to make money by sharing your thoughts and experiences.

With an internet connection and a device, you can easily participate in online surveys during your free time.

Engaging with online surveys not only provides the chance to earn extra income but also allows you to contribute valuable insights that shape products and services.

By taking advantage of legitimate survey opportunities in Kenya, individuals can leverage their opinions to generate additional income conveniently through M-Pesa payments.

YouTube Channel

After exploring opportunities such as online surveys, consider starting a YouTube channel.

With the popularity of video content on the rise in Kenya, creating a YouTube channel can be a lucrative online business venture that pays through M-Pesa.

You can generate income through ad revenue, sponsorships, and affiliate marketing once your channel gains traction.

Creating engaging and informative videos on topics relevant to Kenyan audiences can help you build a loyal following and earn money from your YouTube channel.

Affiliate Marketing

Affiliate marketing offers a lucrative avenue for Kenyans to earn money from home.

In fact, it is one of the best paying online business in Kenya you can do without any investment!

By promoting products or services of other companies through your unique affiliate link, you can earn commissions on sales generated through your efforts.

With high internet and mobile phone penetration in Kenya, you have the potential to reach a wide audience and maximize your earning potential.

Platforms such as Amazon Associates, ShareASale, and Jumia Affiliates provide opportunities for Kenyan entrepreneurs looking to tap into the affiliate marketing space and make a substantial income.

Additionally, affiliate marketing is an attractive option because it requires minimal upfront investment.

You can leverage social media platforms, blogs, or websites to recommend products that align with your niche or audience’s interests.

Read also: Earn Free M-PESA Cash Viewing Online Ads In Kenya

How to Get Started with Online Business in Kenya

Develop the necessary skills and choose a profitable niche, create a business plan, and utilize online platforms for job opportunities.

Read on to discover more about how you can start your own online business in Kenya.

Develop necessary skills

To excel in the online business space, it is crucial to acquire the essential skills for your chosen field.

Gaining proficiency in areas such as digital marketing, website design and development, content writing, social media management, or forex trading will undoubtedly enhance your chances of success.

Acquiring these skills through online courses, workshops, or self-paced learning can significantly boost your competitiveness in Kenya’s thriving online job market without expensive formal education.

Once you’ve honed these vital skills, it’s time to take a closer look at choosing a profitable niche to venture into.

With the right set of abilities and a well-defined niche strategy, you’ll be on track for building a successful online business that pays through M-Pesa.

Choose a profitable niche

If you want the best paying online business in kenya, it’s crucial to choose a profitable niche.

Determine an area where there is demand and potential for growth such as custom furniture, affiliate marketing, or selling gift items.

By selecting a niche that resonates with your skills and interests, you can position yourself for success while catering to the needs of the market.

When establishing your online business in Kenya, focus on identifying niches with high income potential through platforms like Fiverr or Upwork.

Take advantage of the growing e-commerce industry and explore opportunities that align with your expertise to maximize earning potential through M-Pesa payments.

Create a business plan

To excel in your online business venture, it is crucial to create a detailed business plan.

This plan will help you outline your business goals, target market, competition analysis, and financial projections.

By clearly defining these key components of your business, you can set a strategic direction and identify potential challenges before they arise.

Additionally, having a well-thought-out business plan will make it easier for you to secure funding or investment if needed.

It also serves as a roadmap that keeps you focused on achieving your long-term objectives and adapting to changing market conditions.

Use online platforms for job opportunities

After creating a solid business plan for your online venture, it’s time to tap into the vast array of job opportunities available on online platforms.

Sites such as Fiverr, Upwork, and offer numerous freelance gigs ranging from writing and virtual assisting to web design and digital marketing.

These platforms provide a great starting point for individuals in Kenya looking to earn competitive rates through various online jobs while leveraging the convenience of receiving payments through M-Pesa.

With the surge in internet-based income opportunities in Kenya, exploring these platforms can be an excellent way to kickstart your journey towards financial independence.

Tips for Success in Online Business in Kenya

Network and collaborate with other professionals in your industry to expand your opportunities.

Utilize social media for marketing and audience building, and always provide high-quality services for client satisfaction.

Network and collaborate with other professionals

Connect with other professionals in your industry to expand your network and gain valuable insights.

Collaborating with like-minded individuals can open up new opportunities for partnerships, mentorship, and knowledge sharing.

By building strong relationships within your niche, you can enhance your credibility and access potential clients or collaborators.

Utilize social media platforms, join professional groups, attend networking events, and engage in online forums to establish meaningful connections that can propel your online business forward.

Engaging with other professionals also provides the opportunity for skill development through shared experiences and best practices.

Embracing collaboration fosters a supportive community where you can seek advice, exchange ideas, and stay updated on industry trends.

Utilize social media for marketing and audience building

To expand your online business in Kenya, utilize social media platforms for marketing and audience building.

Engage with your target audience on platforms such as Facebook, Instagram, Twitter, and LinkedIn to showcase your products or services.

Use relevant keywords and hashtags to increase visibility and reach a wider audience.

Leverage the power of visual content through high-quality images and engaging videos to attract potential customers.

By consistently providing valuable content and interacting with your followers, you can build a loyal customer base and establish a strong online presence.

Take advantage of Kenya’s high internet penetration rate by implementing strategic social media marketing campaigns to drive traffic to your online business.

Remain active on various platforms to maintain brand visibility while engaging with current trends in the industry.

Provide high-quality services for client satisfaction

Utilize social media for marketing and audience building leads to the next crucial aspect of online businesses in Kenya: providing high-quality services for client satisfaction.

Offering top-notch services ensures repeat business and positive referrals, which are essential for long-term success in the freelance world.

Tailoring your services to meet clients’ needs and going above and beyond their expectations can help you stand out in a competitive market.

Embracing a customer-centric approach not only enhances your reputation but also strengthens your position as a reliable service provider.

Client satisfaction is pivotal when aiming for success in online businesses, especially when working remotely, like most Kenyan freelancers do.

Striving to exceed client expectations by delivering exceptional results within agreed timelines fosters trust and loyalty, setting you apart from thousands of other online entrepreneurs vying for similar opportunities.


In conclusion, the top 10 lucrative online businesses in Kenya offer various opportunities to earn income through M-Pesa.

These practical and efficient strategies cater to a wide range of skills and interests, allowing for easy implementation and potential success.

How will you take advantage of these versatile online business options?

Consider the impact of embracing these ventures on your financial freedom and professional fulfillment.

Explore further resources or guidance available as you embark on your journey toward online success in Kenya.

Take action today towards building a thriving online business that aligns with your expertise and passions.

Read also:


1. How can I start making money online in Kenya?

You can earn money online in Kenya by starting an ecommerce store, doing freelance writing, or even watching ads for money—all with the convenience of receiving payments through M-Pesa.

2. What are some popular online jobs that pay via MPesa?

Popular online jobs in Kenya include virtual assistant roles, website flipping, and various freelance opportunities that offer payment through the widely-used MPesa service.

3. Are there work from home options in Kenya where I can use my typing skills to earn income?

Yes! Online typing jobs and other internet-based employment options such as data entry allow you to work from home and get paid directly into your M-Pesa account.

4. What kind of remote work opportunities exist for Kenyans interested in digital entrepreneurship?

Kenyans interested in venturing into digital entrepreneurship have a variety of remote work opportunities ranging from running an ecommerce business to engaging in diverse freelancing tasks online.

5. Can I find any freelance writing positions available that will enable me to make a living using financial technology like MPesa?

Certainly! There are numerous freelance writing gigs and other internet-based job prospects available where you can utilize platforms like MPesa for convenient mobile money payments.

Similar Posts

One Comment

Leave a Reply

Your email address will not be published. Required fields are marked *