M-PESA (M nĩ Mobile[thimũ], PESA nĩ kiugo kĩa Gĩthweri kĩa mbeca) nĩ ũtungati wa gũtũma, kũrĩha na kũruta mbeca na njĩra ya thimũ, wambĩrĩirie mwaka wa 2007 nĩ gatũndũ ka Vodafone na Safaricom, ĩrĩa ĩrĩ bũrũri-inĩ wa Kenya. Maũtungata mayo nĩ mathegeete mabũrũri ma Tanzania, Mozambique, DRC, Lesotho, Ghana, Misiri, Afghanistan, South Africa na Ethiopia. Mĩkũnjũro ya India, Romania, na Albania nĩya ninirwo nĩ kwaga thũgũri . M-PESA nĩ ĩhotithagia arĩa marutaga mbeca kũiga, kũruta, kũrĩha indo na ũtungata (Lipa na M-PEZA, kuuga "Kũrĩha na M-Pesa" na Gĩthweri), kũgĩa na mbeca na kũiga mbeca, ciothe na kĩhũngĩro kĩa mobile.
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