Before anything considered seeking advice from current mpesa agents and undergo the training provided by safcom. Unafaa kuregister biz. This involves business name costing around 15000 na business permit which is about 15000. Then utambue base much better in highly populated places kama markets for better profits. Pata kibandaski kitu 5000 - 10000 will do. After that, buy equipments zako. For mpesa ata kaduda is enough for a simple start but if you can afford smart phone printer ya receipts na biometric scanner for more efficiency and security the better costing around 30,000. You will also need float, 50k - 100k is advisable. Sighn agreement na saf basically for terms and conditions na kuregister tax pia muhimu. Apart from that kuna operational costs kama transaction fees and that varies based on transaction volume. Lastly, implement adequate security measures for protection of biz na ata customers for example unaeza eka ka cctv unaeza anza na the analog type its quite affordable with 10000 to 20000 unaeza pata. So in general I think with 100,000 ksh Breanice anaeza anza biz yake.