About PesaSmart
We Believe Your Money Should Be Simple, Transparent, and Safe.
Welcome to PesaSmart, the premier digital resource for mobile money users in East Africa.
We built this platform with a single mission: To replace confusion with clarity.
Whether you are sending money to a relative in the village, paying a supplier for your business, or trying to reverse a wrong transaction, you deserve accurate information. You deserve to know the exact cost before you press send.
At PesaSmart, we provide the tools, guides, and truth you need to master your mobile wallet.
The PesaSmart Story: Why We Started
It started with a simple frustration.
A few years ago, one of our founders tried to send money across networks—from MTN Uganda to a partner on Airtel. The USSD menu didn’t show the charge. The online tariff sheets were outdated. The result? A transaction fee that was double what was expected.
We realized that millions of East Africans face this every day:
Hidden Fees: “How much will this actually cost?”
Panic: “I sent money to the wrong number—what do I do?”
Fraud: “Is this message from Safaricom, or is it a scammer?”
We looked for a website that answered these questions clearly and accurately. We couldn’t find one. So, we built it.
What We Do (And How We Help You)
PesaSmart is not just a blog; it is a utility platform. We bridge the gap between complex provider terms and your daily needs.
Here is our promise to you:
1. Verified Fee Calculators
We don’t guess. Our custom-built calculators for MTN, Airtel, and M-Pesa are updated regularly against official tariff sheets. We factor in the hidden costs—like government withdrawal taxes—so the number you see is the number you pay.
2. Actionable Guides
We don’t write fluff. Our guides are written for action. If you need to link PayPal to M-Pesa, we give you the step-by-step process. If you need to reverse a transaction, we give you the exact USSD code.
3. Unbiased Scam Alerts
Scammers are getting smarter, and official warnings often come too late. We monitor community reports and new fraud tactics to alert you before you become a victim.
Our Values
Accuracy First: We double-check every figure. If a tariff changes, we update our tools.
Independence: We are an independent educational platform. We are not owned by any telecom company, which means our loyalty is to you, the user.
Simplicity: Finance is boring; your money shouldn’t be. We write in plain English (and Swahili context) so everyone can understand.
Disclaimer: PesaSmart.com is an independent informational platform and is not affiliated with Safaricom PLC, MTN Group, or Airtel Africa. All product names, logos, and brands are property of their respective owners. While we strive for 100% accuracy, strictly consult official provider channels for binding financial data.