Top Online Jobs for Kenyans That Pay via M-Pesa (2025 Guide)
With the rise of digital technology and mobile money, more Kenyans are earning a living online. If you’re looking for legit online jobs that pay through M-Pesa, this guide outlines the top opportunities in 2025 — and how to start them with little or no capital.
Why M-Pesa Payments Matter
M-Pesa is the most accessible payment method in Kenya. Many Kenyans prefer platforms that offer:
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Instant withdrawals
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No bank account requirement
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Convenient mobile access
That’s why we’ve focused on online jobs that pay directly to your M-Pesa wallet.
1. 
Transcription Jobs
What It Involves:
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Listening to audio and typing it out
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Requires good English and typing speed
Where to Start:
Payment:
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Most platforms pay via PayPal, but you can link PayPal to M-Pesa using PayPal Mobile Money service.
2. Freelance Writing
What It Involves:
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Writing blog posts, SEO articles, academic content, or product descriptions
Where to Find Jobs:
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Local Facebook groups & Telegram channels
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Bluehost Writers (Kenyan site)
Payment:
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M-Pesa direct from local clients
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PayPal for international clients (withdraw to M-Pesa)
3. Affiliate Marketing
What It Involves:
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Promoting products and earning commissions per sale or referral
Top Programs That Pay via M-Pesa:
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Jumia Kenya Affiliate Program
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Betting affiliate programs like Betika, 22Bet (use with care)
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Local fintech platforms like Tala, Zenka, or Branch
4. YouTube & TikTok Content Creation
What It Involves:
Earnings:
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Google AdSense (paid via bank, but can use Equity Bank to M-Pesa transfer)
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Direct brand sponsorships pay via M-Pesa
5. Academic Writing
What It Involves:
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Assisting students with essays, research papers, etc. (seasonal)
Where to Start:
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Facebook groups: Academic Writing Jobs Kenya
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Agencies like UVOCorp, EssayPro, or Kenyan Writers
Payment:
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Local agencies pay through M-Pesa weekly or bi-weekly
6. Social Media Management
What It Involves:
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Managing business or influencer pages (posting, replying, engaging)
Who Hires:
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Digital agencies
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Local celebrities & brands
Payment:
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Directly via M-Pesa per month or per task
7. Online Tutoring & Coaching
What It Involves:
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Teaching school subjects, coding, languages, or skills like photography or baking via Zoom or Google Meet
Platforms to Use:
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Preply (teaching English or Swahili)
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Udemy (create and sell a course)
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WhatsApp and Telegram for local clients
Payment:
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Local clients pay via M-Pesa
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International platforms pay via PayPal (withdraw to M-Pesa)
8. Selling Digital Products
Examples:
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E-books
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Canva templates
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Photography presets
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CV templates
Where to Sell:
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Your own blog or website
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Gumroad, Payhip (PayPal)
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Facebook & WhatsApp groups
9. Virtual Assistant (VA) Work
What It Involves:
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Email handling, scheduling, data entry, social media support for business owners
Platforms:
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Upwork
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Freelancer
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PeoplePerHour
Payment:
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PayPal (linked to M-Pesa)
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Kenyan clients pay via M-Pesa
Final Thoughts
Online work is the new goldmine, and with M-Pesa making payments easier, it’s now possible to earn from global clients without a bank account. The key is to start small, stay consistent, and build your skills. Whether you want part-time income or a full-time career, these jobs offer freedom, flexibility, and real money directly to your M-Pesa wallet.