Earned Ksh 500 at the stage today? Send Ksh 150 straight to your rent. LipaBill collects your daily earnings and automatically pays your landlord, school, or KPLC on the due date — no matter how small each payment.
Boda riders, mama mboga, jua kali workers — you earn well, but by the time the landlord calls at month-end, it's gone. LipaBill solves exactly this. Save as you earn, pay when it's due.
Every other fintech app in Kenya wants to lend you money at 30–100% APR. LipaBill is the only app that helps you save your own money first — so you never have to borrow in the first place.
8 million Kenyans are currently CRB-listed — most for amounts under Ksh 1,000. Tala, Branch and Zenka are profitable because people can't pay their bills without borrowing. LipaBill makes those apps unnecessary.
No bank account needed. Works 100% through M-Pesa.
Register with your phone number in under 2 minutes. No paperwork or bank account required.
Add rent, school fees, KPLC or any fixed bill. Set the amount and due date.
After every shift or sale, send any amount via M-Pesa to your bill wallet. Even Ksh 50 counts.
On the due date, LipaBill automatically sends the full saved amount directly to your landlord or payee.
If your income is daily but your bills are monthly — LipaBill is for you.
You earn every day at the stage but rent comes once a month. Stop spending before the landlord calls.
Market days are unpredictable. LipaBill keeps school fees on track no matter how business goes.
Casual jobs, fixed bills. Whether you get a contract or not, your rent is already being covered.
Bill is due and you're Ksh 2,000 short? Boost lends you the exact shortfall at a small, transparent rate. No loan sharks. No hidden fees. No shame.
Instant decision — Approved in seconds, not days
Small flat rate — You always know exactly what you'll repay
Builds your credit score — Every repayment strengthens your financial profile
Only borrow the shortfall — Not a lump sum you'll be tempted to misuse
Real stories from Kenyans who stopped missing due dates.
"I used to spend all my earnings after every run. Now rent goes automatically. I have never paid late again. LipaBill changed my life."
"My daughter's school never sent a debt letter this term. For the first time since I started selling at Gikomba. I am so grateful."
"Boost saved me in December when business was slow. I was Ksh 3,000 short but my landlord received the full amount on time."
When illness hits a Kenyan family, SHA typically covers a fraction of the total bill. One family received only Ksh 23,600 from SHA toward a Ksh 1.6 million hospital bill. The rest came from selling assets and fundraising on WhatsApp groups.
Save Ksh 50–200 daily toward a dedicated medical emergency wallet. When illness strikes, your family doesn't need to sell the sofa or post on WhatsApp.
🚀 Coming soonInformal workers miss SHA contributions because they don't know when or how much to pay. LipaBill will calculate your 2.75% levy and pay it automatically.
🚀 Coming soonNo loan app helps you prepare for a medical emergency. They only lend you money after disaster strikes — at 30–100% APR. LipaBill helps you never need them.
Planning a family Easter retreat? Church fundraiser? School trip? LipaBill Group Pools lets your group contribute daily amounts via M-Pesa toward a shared goal — and everyone can track progress in real time.
No more waiting for someone to collect the full amount. No awkward reminders. No missed contributions. Everyone commits, everyone contributes a little at a time.
Be the first to know when Group Pools launches. No spam, ever.
Whatever your group is saving toward, LipaBill Pool makes the contributions automatic, transparent, and stress-free.
Your family WhatsApp group has been planning the Easter trip for months. Now everyone chips in Ksh 200 a day instead of one person footing the bill.
Running a harambee? Set a Pool, share the link to your group, and watch members contribute daily micro-amounts — all tracked automatically.
Parents can save daily toward school trip costs or term fees together — no last-minute scrambles, no borrowing from neighbours.
Name your goal, set a target amount, and pick a due date. Takes 30 seconds.
Share a link via WhatsApp. Members join with one tap — no app download required to contribute.
Members send any amount any time via M-Pesa. Every contribution is visible to all.
On the due date, LipaBill releases the full amount to the organiser via M-Pesa automatically.
Questions, partnerships, investor enquiries or just saying hello — our team is in Nairobi and always happy to connect.
Every feature on LipaBill's roadmap is backed by a real Kenyan financial crisis. Here is what we are building and why.
Save any amount daily via M-Pesa toward rent, KPLC, or water. We auto-disburse to your landlord or payee on the due date — automatically.
Fall short on a bill? Boost lends you the exact gap at a small flat rate — approved in seconds, repaid from your next earnings. No loan sharks.
Family retreats, church fundraisers, school trips. Set a shared goal, invite via WhatsApp, and watch everyone chip in daily via M-Pesa.
A dedicated emergency wallet you seed Ksh 50–200 daily. When illness strikes and SHA covers only a fraction, your family doesn't need to sell assets or fundraise on WhatsApp.
Set the school, term amount, and deadline. Save daily. LipaBill pays the bursar on opening day. Stop borrowing for school fees — forever.
For mama mboga and jua kali: save Ksh 100–300 after each sale day toward restocking. Never borrow for inventory at 10% daily interest again.
Informal workers often miss SHA contributions. LipaBill calculates your 2.75% contribution and pays it automatically — keeping you compliant without thinking about it.
After 3 months of savings discipline, unlock the ability to invest from Ksh 500 into money market funds — the on-ramp to wealth for Kenya's informal sector.
Kenyans abroad set up and fund bill wallets for family in Nairobi. Send money with purpose — see exactly what bill is paid and when. Built for Kenya's $4.2B remittance market.
Sources: Old Mutual Financial Monitor Kenya 2025/2026 · Infotrak Kenya Survey Dec 2025 · FSD Kenya FinAccess 2024 · NFIS 2025–2028 · Nation Africa 2025/2026
Join thousands of Kenyans who never miss a due date.
Free to download · Works with M-Pesa · Android