1. Create your account
Sign up and start on the MAA INVEST paybill. Prefer your own? Connect your paybill or till any time; your credentials are encrypted.
Together, Grow, Prosper
Payments made simple and secure.
MAA INVEST is a payment service provider for individuals, chamas, shops and websites. Collect payments, send payouts, share payment links and add online checkout to your website, and track every shilling in one dashboard. Start on the MAA INVEST paybill straight away, or connect your own paybill or till and keep the money in your own account.
Free depositsFees only when money leaves, from KES 5
Your choiceMAA INVEST paybill, or your own paybill or till
M-PesaDeposits, payouts and standing orders
3 of 3Officers approve group payouts
✓How it works
Up and running in three steps.
2. Collect payments
Send an M-Pesa prompt, share a payment link, or add checkout to your website.
3. Get paid, with records
Money is credited to your wallet, or settles in your own paybill or till. We confirm each payment and keep a clear ledger.
What you can do
Everything you need to take and manage your payments.
STK Push deposits
Prompt a customer or member to pay by M-Pesa, with instant confirmation in your wallet or your own paybill or till.
Payment links
Share a link on WhatsApp or social media. Customers pay by M-Pesa, no app needed.
Online checkout
Accept M-Pesa on your website with our WooCommerce plugin, WHMCS module or a simple signed API.
Withdrawals and payouts
Withdraw or pay members out by M-Pesa or to a bank account, protected by a one-time code.
Standing orders
Set up recurring M-Pesa contributions and collections with Ratiba.
Savings goals
Ring-fence money for school fees, rent, a business or an emergency fund.
Wallet and transfers
Keep a wallet, send money to other members, to M-Pesa numbers or to a bank account.
Auto-save rules
Save daily, weekly or monthly into your goals automatically, without thinking about it.
Referrals and earnings
Invite others to MAA INVEST and track what you earn from the people you bring.
For chamas and groups
Give your group its own collection account.
Each group has its own account and ledger, on the MAA INVEST paybill by default or on the group's own paybill or till. Contributions, loans, welfare and payouts are tracked in one place.
ApprovalsOfficers sign off
RecordsReal-time ledger
What groups get:
Contributions and fines paid by M-Pesa straight into the group account.
Group loans (also between groups), welfare fund, merry-go-round, dividends and cash-outs.
Payouts need approval from group officers before any money moves.
Meetings, attendance, officer elections, documents, statements and member records in the same dashboard.
For merchants and developers
Add Payments to your website in minutes.
A hosted checkout, signed webhooks and ready-made plugins. Customers pay on a secure page and the money goes to your own paybill or till.
WooCommerce plugin
Install, paste your keys and start selling.
WHMCS module
Let hosting clients pay invoices by M-Pesa.
Developer API
Signed requests and webhooks for any platform. Read the docs →
Simple pricing
Free deposits. Pay only when money leaves.
No subscription and no fee on deposits. A small fixed fee applies to withdrawals to paybill or bank, starting free under KES 50. See pricing →
Now on mobile
Scan to get the MAA INVEST app.
Point your phone's camera at the code, tap the link, and install straight from this site — your wallet, goals, and chamas, in your pocket.
Get the app →Android now · iOS via TestFlight
Scan with your camera
Built in Kenya
Who we are
Built in Kenya, for the communities we know.
MAA INVEST is built by a dedicated team of engineers, financial experts, and community builders who believe saving together shouldn't be complicated.
Meet the team →Get in touch
Let's talk about your group
Have questions? Our team is here to help you get started.
Get started
Start collecting and managing payments today.
Create your account, take your first payment and keep every shilling on record. Deposits are free.
Create your accountWorks with the tools Kenya already uses
