Kopo Kopo offers a cloud‑based platform that connects small and medium merchants to mobile‑money networks (e.g., M‑PESA) through a virtual till, enabling digital inbound payments, bulk disbursements, and on‑demand short‑term credit. The service provides real‑time dashboards, RESTful APIs/SDKs, automated reconciliation, and PCI‑DSS‑aligned security to give businesses visibility and control over cash flow.
Funding
$2.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many small and medium‑size merchants lack an integrated, low‑cost solution to accept mobile‑money payments, automate outgoing disbursements, and obtain short‑term working‑capital financing, resulting in cash‑flow gaps and limited visibility into transaction data.
Solution
Kopo Kopo offers a cloud‑based payments platform that connects directly to mobile‑money networks such as M‑PESA via a virtual till number. The service enables merchants to receive digital payments, schedule bulk payouts to suppliers or staff, and request instant credit extensions (cash‑advance or overdraft) through the same interface. All transactions are captured in a real‑time online portal that provides searchable dashboards, automated reconciliation, and downloadable reports. Developers can embed payment flows using RESTful APIs and webhooks, allowing the checkout experience to be customized for web, POS, or mobile apps. Security and compliance are enforced through end‑to‑end encryption, tokenization, and role‑based access controls, ensuring data integrity while meeting local regulatory standards.
Target Audience
The primary customers are small and medium enterprises, retail merchants, and service providers operating in mobile‑money ecosystems who need a unified solution for inbound payments, bulk payouts, and short‑term financing.
Features
- Virtual Lipa Na M‑PESA till integration that converts a standard mobile‑money number into a merchant‑grade payment endpoint.
- RESTful API and SDKs (Node, Python, Java) with webhook callbacks for real‑time transaction status and settlement notifications.
- Online portal with live dashboards, transaction filtering, CSV/Excel export, and automated reconciliation tools.
- Bulk‑pay module supporting batch uploads (CSV, API) for supplier and payroll disbursements with scheduled or instant settlement.
- On‑demand credit products (cash‑advance, overdraft) linked to transaction history, with automated eligibility scoring.
- Mobile app (iOS/Android) for on‑the‑go monitoring, payment approvals, and cash‑advance requests.
- PCI‑DSS‑aligned security stack: TLS encryption, tokenized payment references, and audit‑ready logging.
- Multi‑currency support and configurable tax/VAT rules for regional compliance.