T-kash Soko by Telkom Kenya is one powerful app for merchants and everyday users. Shop, pay, sell, and manage your business, all in one place. You can easily switch between your personal profile and your merchant profile within the same app.

Whether you run a duka, salon, cabana, workshop, kiosk, or offer services, or you simply want to shop and pay digitally, T-kash Soko gives you simple, secure tools to sell more, stay in control, and grow your business.

Built for merchants and service providers
Accept payments from T-kash users, M-PESA users, bank apps, or cash. T-kash Soko supports Kenya’s official KE-QR Code Standard (2023), helping you reach more customers both online and in person.

Get started instantly
• Automatic business setup in under a minute
• No paperwork or branch visits
• Zero transaction fees for customers paying with T-kash
• Free data usage on a Telkom SIM

Why merchants choose T-kash Soko
• Reach more customers online and nearby
• Accept cash and digital payments in one app
• Full real-time control of sales, receipts, and balances
• Manage multiple shops and employees from one account
• See real-time sales across all shops and staff
• Control staff access and reduce errors or fraud
• Pay employee salaries directly through T-kash Soko
• Simple tools to manage sales, inventory, and customers
• Clear transaction records with user and access control
• Cash deposit access at over 40,000 T-kash or KCB agents
• Pay only 1 percent when you sell, with no subscriptions or extra hardware
• AI-driven credit profile built from your real transaction history

Powerful tools to grow your business
• Online shop to sell products and services
• Online bookings and payments for services
• Automated inventory with real-time stock updates
• Fast QR checkout with automatic sales tracking
• Multi-shop and multi-employee management
• Role-based staff access and activity tracking
• Salary payments to employees via T-kash wallets
• Location-based selling controls for staff
• Customer directory with purchase history and digital receipts
• Automated accounting and business performance reports
• Pay Later option to attract more customers and earn additional fees
• In-app AI support for instant help

How to start selling
• Sign up
• Get your shop set up automatically
• Start accepting payments and orders
• Complete KYC to activate your T-kash wallet and access your money

Personal shopping and payments included
T-kash Soko also works as a personal shopping and payment app.

With your personal profile, you can
• Shop from local stores or order online
• Book services such as hairdressers, barbers, and domestic services
• Pay instantly using your T-kash or M-PESA wallet
• Enjoy zero fees when paying with T-kash on T-kash Soko
• Get up to 88 percent cashback on M-PESA tariffs when paying through the app
• Send money, track spending, and access digital receipts
• Build your personal credit profile with every payment
• Deposit cash easily at over 40,000 T-kash or KCB agents

One app. One login. Two profiles.
Sell, shop, pay, and manage your money smarter.

T-kash Soko by Telkom Kenya.

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Additional Information