Quick answer

GeraFarm connects smallholder farmers across Kenya directly to hotels, retailers, processors, and exporters. Listings priced per kilogram in KSh; payment settles to the farmer's M-Pesa number on delivery; produce destined for export meets Kenya Flower Council (KFC) / KEPHIS / HCDA standards.

Regulation: KFC, KEPHIS, HCDA, CAK

Agricultural exports from Kenya are regulated by the Kenya Plant Health Inspectorate Service (KEPHIS) and the Horticultural Crops Directorate (HCDA). Flower and ornamental exports operate under Kenya Flower Council (KFC) codes. Domestic consumer protection sits with the Competition Authority of Kenya (CAK). Farmer data (KYC, payout records) is processed under the Data Protection Act 2019 with ODPC registration.

How pricing works

Farmers list produce per kilogram in KSh, with photos and harvest date.
Buyers (hotels, supermarkets, Jumia Fresh, processors) place orders at listed price.
GeraFarm takes a 5% transaction fee — lower than the 25–40% markup of traditional middlemen.
Transport options priced transparently via partner SACCOs or GeraRide boda logistics.

M-Pesa settlement

Settlement defaults to the farmer's M-Pesa number registered to their National ID. Bulk cooperatives can use M-Pesa B2B (Paybill) or Airtel Money; group payouts to Saccos are also supported. Settlement time: instant on buyer delivery confirmation.

Where GeraFarm operates in Kenya

Active farmer onboarding hubs in the Rift Valley (Nakuru, Eldoret, Kericho, Bomet), Central (Nyeri, Murang'a, Kiambu), Western (Kakamega, Bungoma), Nyanza (Kisumu, Homa Bay), and Mount Kenya (Meru, Embu). Buyer demand centred in Nairobi, Mombasa, and Naivasha (flower exporters).

Competitive landscape

Twiga Foods aggregates fresh produce from farmers and delivers to urban retailers; Digifarm (a Safaricom product) provides inputs, credit, and advisory; M-Kulima connects farmers to buyers. GeraFarm's differentiators: no middleman margin, transparent per-kilogram pricing, instant M-Pesa settlement, and an export-grade track that automates KEPHIS paperwork for flower and horticulture growers going into EU markets.

Extension and advisory

Farmers get weekly WhatsApp bulletins in Kiswahili covering weather (Kenya Meteorological Department data), pest alerts (fall armyworm, desert locust), and price movements. This is free for sellers and subsidised by the transaction fee.

Related Gera products for Kenya

GeraMarket in Kenya — list value-added farm products (honey, tea, coffee) directly to consumers.
GeraRide in Kenya — boda and truck logistics for rural-to-urban delivery.
GeraCash in Kenya — bulk M-Pesa disbursement for Saccos.

GeraFarm in Kenya 2026 — Farmer-to-Buyer Marketplace with M-Pesa and KFC Compliance