What is M-TIBA?

M-TIBA is a “health wallet” on the mobile phone that allows your patients to set funds aside for healthcare, thereby improving their financial capability to access your services. M-TIBA will be regularly updated with new products. Once you are selected to become part of the M-TIBA network of healthcare providers, you will be the first to receive information on these new products and how to become eligible to offer them to your patients.

For Healthcare Providers already using the platform, press the Button below to start the billing process

Why should I join M-TIBA NOW?

Funds stored in M-TIBA can only be used to pay for services and medication at specific healthcare facilities that are contracted by CarePay and PharmAccess to offer M-TIBA. By joining M-TIBA you immediately gain access to an expanding pool of M-TIBA users within your catchment area and tap into a target market that has reliable healthcare financing. This should lead to a more reliable and predictable income stream for your facility. Clients can pay from their M-TIBA directly into your healthcare facility’s M-TIBA account. Funds in your facility’s M-TIBA account can be immediately withdrawn into your M-PESA or bank account.


  • Access to more paying clients with accessible funds in their M-TIBA health wallet
  • Increased revenue collection because you serve clients with ability to pay
  • Better security by shifting from cash to digital transactions.
  • Free financial and clinical performance dashboards for decision making 
  • Fast reimbursement for services offered
  • Access to unsecured loan products through M-TIBA “Cash Advance”
  • Free quality assessment and quality improvement plan 

Cash Advance

Cash Advance is a loan product specifically designed for Healthcare Providers. It gives them access to cash for their businesses through their mobile phone

The requirement is to have an active Lipa Na Mpesa Till with MPESA and MTIBA payment transactions.

Cash Advance Calculator
Enter your recent three months revenue

Loan Limit 25000


Fill in your details below to apply.



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