How to Convert a Scratch Card to Cash in Kenya — Instant M-Pesa Payment
Convert scratch card to cash quickly and securely with Shopika. If you have unused airtime scratch cards from Safaricom, Airtel, or Telkom, we help you exchange them for real M-Pesa cash — instantly and without installing any app.
What Is Scratch Card Airtime Conversion?
Physical airtime scratch cards can be converted to M-Pesa cash in Kenya. Instead of loading the airtime onto your phone line, you give Shopika the scratch card PIN and we send the equivalent value directly to your M-Pesa — instantly and securely. Once converted, the funds can be withdrawn or used like physical cash.
How to Convert a Scratch Card to M-Pesa
- Go to shopika.com/convert_airtime — no login is required.
- Select Scratch Card as the conversion type.
- Choose your network: Safaricom, Airtel, or Telkom.
- Enter the scratch card PIN (the number under the silver strip on your card).
- Enter your M-Pesa number where cash should be sent.
- Confirm — the converted amount arrives in your M-Pesa wallet within minutes.
💡 No App Required
You can also convert via USSD — dial *384*4444# from a Safaricom or Telkom phone. Once inside you can convert airtime for any network. Airtel users without a Safaricom or Telkom phone can use the website. Works on Safaricom, Airtel, and Telkom lines.
Which Scratch Cards Are Supported?
- Safaricom scratch cards (any denomination)
- Airtel Kenya scratch cards
- Telkom (Orange) Kenya scratch cards
How Long Does It Take?
Most conversions complete within 2–5 minutes. The process is automated — once the scratch card PIN is verified, M-Pesa payment is triggered instantly.
Is It Safe to Convert Scratch Cards?
Yes. Shopika is a licensed Kenyan fintech platform. Your scratch card PIN is processed through a secure, encrypted connection and is never stored after redemption. Payments are sent via M-Pesa — the same secure network you use every day.
How Much Does It Cost?
Shopika charges a small service fee for the conversion. The exact fee and final M-Pesa amount you will receive is shown on-screen before you confirm — no hidden charges.
Got airtime or Bonga points instead of a scratch card? See our guides to convert airtime to cash or convert Bonga points to cash.
Frequently Asked Questions
Can I convert a used scratch card?
No — only scratch cards that have not been loaded onto a phone line can be converted. Each PIN can only be used once.
What is the minimum scratch card value I can convert?
The minimum is KES 10. Most scratch cards start at KES 10 or KES 20.
Can I convert multiple cards at once?
Yes — you can convert multiple scratch card PINs in a single session on Shopika.
Or dial *384*4444# — no internet needed