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M-Pesa is the most popular online payment gateway in Kenya as well as some other countries.
M-Pesa (M for mobile, Pesa is Swahili for money) is a mobile phone-based money transfer, financing, and microfinancing service. It allows users to deposit, withdraw, transfer money and pay for goods and services easily with a mobile device.
The service allows users to deposit money into an account stored on their cell phones, to send balances using PIN-secured SMS text messages to other users, including sellers of goods and services, and to redeem deposits for regular money. Users are charged a small fee for sending and withdrawing money using the service.
The service has been lauded for giving millions of people access to the formal financial system and for reducing crime in otherwise largely cash-based societies.