Paying for Fitness in Kenya: M-Pesa, Cards, and What Trainers Should Know

M-Pesa accounts for the majority of consumer payments in Kenya. For fitness clients and trainers alike, it's the path of least friction — but how it shows up on a marketplace like MojaFit matters.

For clients

When you book a session on MojaFit, you'll see two checkout options at payment:

• M-Pesa STK push. Enter your phone number, approve on your phone, done. Funds settle instantly.
• Card via Paystack. Visa, Mastercard, Amex.

You receive an automatic email receipt and your booking is confirmed in seconds. Refunds (where applicable) are processed back to the original payment method.

For trainers

As a trainer, you don't need to set up your own till number, hand out paybills, or chase clients for STK push acknowledgement. MojaFit collects payment from the client and pays out to your linked M-Pesa or bank account on a regular schedule.

You'll need:

• A registered M-Pesa number or Kenyan bank account.
• KRA PIN (for tax invoicing on subscription receipts).
• Your set rates per session type — clients pay these directly.

What about taxes?

Trainers are independent contractors and responsible for their own tax filings. MojaFit issues monthly statements you can hand to your accountant. Premium subscription receipts include the relevant VAT information.

Direct vs platform clients — and the 100% rule

MojaFit takes a small platform fee on bookings paid through the marketplace. But trainers keep 100% of revenue from clients they invite directly via their personal invite link — for life. That's the pricing trade we've made: you grow your own book, you keep your own book.

Get paid for training

List your profile on MojaFit — 15 days free, M-Pesa and card payouts, full client management built in.