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The Trends On Milk ATM Business In Kenya 2023

Milk vending ATM machine, popularly known in Kenya as milk ATM, is an innovation for retailing milk, with automation design to dispense chilled, pasteurized, and ready to drink milk. Automation offers several comparative safety and business opportunities in milk retailing. Automation minimizes milk handling, which should enhance hygiene and assure quality and safety to consumers. Automated milk dispensing is a quicker and easier means to measure any volume of milk that a consumer may want.

milk atm by Tassmatt Limited being delivered in Umoja
milk atm by Tassmatt Limited being delivered in Umoja

An ATM is an automated facility that dispenses chilled, pasteurized, ready-to-drink milk that is sold unpackaged. The ATM offers several advantages. For the business, they eliminate packaging and processing which lower retail prices, and automated business transactions ease monitoring of sales turnover. Consumers expect ATM milk from Milk ATM to enhance hygiene and offer affordable milk of any desired volume, matching their variable purchasing capacities.

Recent economic surveys in Kenya show a steady growth in sales of processed milk and dairy products (KNBS, 2016). The demand is likely greater among urban consumers, given their higher incomes and changing dietary habits with trend towards more milk and meat. Coupled with this increase are innovative businesses that have emerged to deliver affordable pasteurized milk to consumers through dispensing machines, popularly known as ‘milk ATMs’ in Kenya.

Milk ATMs are now widespread in Kenya and are located in various strategic outlets: retail shops, farms, cooperatives, supermarkets and milk bars. As part of the growing Kenyan dairy industry, the ATM enterprises are expanding, even as safety of fluid milk remains a highly debated issue of public concern. Operating an ATM requires reliable power and a clean water supply to ensure milk quality is not compromised. Regulations require that the ATM is cleaned once every 24 hours to assure high quality of milk and to minimize loss from spoilage. If you are keen follower of our articles, you will notice that companies such as Tassmatt Limited supplies Milk ATM Vending Machines that have self cleaning capacity. A user does not need to clean it manually.

Though milk ATM  is an emerging innovation in milk retailing, information about the ATM as a retailing enterprise and their value offer for quality milk is scanty. On this Milk ATM Kenya Website, we normally highlight most of our findings at a consumer and business point of view. We collect information from the raw field and this helps us to improve the quality of Milk ATM Machines manufactured and supplied by in Kenya, the quality of milk too.

The growing milk ATMs retail innovation offers good business opportunities and is attracting consumers
because of the competitively priced milk they offer. The exponential growth in milk retailing through ATMs is indicative of its potential to expand the country’s level of milk processing and this expansion could reduce the
challenges of the dominant raw milk market in Kenya.

Message To Potential Milk ATM Investors In Kenya

  • The milk ATM market segment has potential to be a game changer in expanding the formal milk market in Kenya.
  • While the exponential growth of the ATM milk market is concentrated in a few towns; under right conditions this can expand to other towns.
  • Affordability of ATM milk offers the potential of upgrading the formal milk market share, especially if quality concerns are addressed. The raw milk market is the biggest competitor for ATM milk.
  • ATM milk is purchased by consumers of all income categories, but mostly by low- and middle-income earners.
  • Some consumers’ perceptions of quality and safety of ATM milk impedes growth of the segment.
  • The ATM milk market has stimulated a diverse business ecosystem with enormous business and employment opportunities, also for youth and women.

Development can further be boosted by policy and regulations and  Business development support.


You can now order milk atm vending machine in Kenya online and get it delivered and installed

Milk ATM Machines continue to dominate the milk dispensing market in Kenya, today, Tassmatt Limited have come up with a tool to ease buyers hustle while comparing machines in terms of cost, capacity, performance and effectiveness. is a new webshop in Kenya that lists milk atm machines, milk atm spare parts, milk pasteurizers, milk coolers, milk chillers and spare parts. the one stop online shop offers clients what they need in a timely and fashionable manner.

We have offers running now and then and you can get the best milk atm machine at a very cheap price while buying online. We deliver, install and train users on how to maintain, clean and handle.

Tassmatt milk vending machine has a cooler which helps keep the milk fresh for a long period of time. The milk vending machine has a PLC which performs all the technical functions of the machine which include resetting of the machine’s password, resetting the prices, checking daily and weekly sales and processing the sales as per the customer’s purchase. It is well branded making it attractive to the customers or the market target. Tassmatt milk atm machine is movable and can be transported from one area to another.


You can now buy milk ATM vending machine online and get it delivered at your doorstep

The milk business in Kenya continues to grow, this has been attributed to the recent support to dairy farming by many county governments in Kenya. The rise of milk business has seen a steady increase in milk machines like milk atms, milk coolers, milk pasteurizers and others. With the current increase on cost of living in many nations across the word, attributed to the pandemics and wars, the low income consumers continue to depend on milk especially on many African homesteads.

As the milk and milk atm machines continue to grow, Tassmatt Limited has come up with a virtual online store to help buyers choose the best milk atm machines and tools according to their budget – . The website offers best deals especially with the current black Friday deals on milk atms. A buyer can simply make an order online, seek advise, compare machines and get the machine delivered, installed and commissioned at his/her desired premise. Tassmatt, according to its website, assist milk atm buyers in Kenya obtain the necessary permits for a smooth running of their milk atm business, this includes a permit by the milk industry regulator, Kenya Daily Board and the taxman Kenya Revenue Authority.

Understanding Milk ATM In Kenya

A milk ATM functions similarly to a typical bank ATM, with the exception that it accepts coins and dispensing milk (simply put). Although this is not a novel concept in Kenya, as numerous supermarkets currently provide it. With so many upcoming estates in our urban areas, as well as an abundance of raw milk from our diligent farmers, there is no reason why you should not profit from this opportunity. Let’s see how you get started with this milk dispenser business plan on how to pump good cash from a milk dispenser.

Guidelines to help you buy a good milk ATM machine.

  • If you are buying somewhere else appart from Tassmatt Limited, accredited sellers of milk atm machines in Kenya by Kenya Dairy Board, check whether the supplier is approved by KDB
  • Get one with an integrated chiller. Milk is a perishable item that must be kept cool.
  • If importing, consider purchasing the machine in pieces to be built locally.
  • In general, search for a machine that is simple to operate. Preferably one whose technology is understandable even by children.
  • Look for a machine with readily available spare parts nearby, and insist on warranty coverage on all purchases. Thanks to Tassmatt Limited as you can just buy milk atm spare parts online in Kenya

Reliable supplier of milk for milk atm

Suppliers can make or break a business. If you really want to succeed in this business of milk atm in Kenya you will need to identify a reliable source of milk. On this end you have two options; you can source directly from farmers or buy from companies that sell to businesses that sell milk with ATMs. These companies distribute milk to milk ATM businesses especially in Nairobi.

The advantage of going for the latter option is that it saves you from the hustle of collecting, transporting and pasteurizing the milk. Because you actually don’t need huge volumes of milk unless you are operating a chain of milk ATMs this is the best option. The main disadvantage is that the profit margins might be a bit lower because you are buying from a supplier who has already added their mark-up.

On the former option if you be collecting transporting and pasteurizing the milk on your own. The advantage is that the milk is has more butter fat because it hasn’t been processed to remove some batter fat that is used to make by-products like ghee and cheese. On the flip side as said earlier you have to go though the hustle of collecting, testing, pasteurising and transporting the milk. For small quantities of milk this doesn’t make any economic sense.

A premises with clean drinking water

Clean water is very essential for this type of business. You need a reliable source of clean drinking water. This can be gotten from the city council water connected to that building or you buy from a clean water vendor and store it in a storage tank. The water is essential for maintaining cleanliness in the business premises and washing the milk handling equipment. As it is widely known milk is a very delicate commodity that easily gets spoil by bacteria that are either in the milk or in surfaces and equipment that handles the milk.

Food handling certificate

As seen above, milk needs to be handled in the most hygienic manner. This hygiene has to start with those handling the milk as well as their health status. To ensure that the people handling are in the right health status, they need a good handling certificate. In some counties, the business might itself must have a health certificate. Just check out with your local county offices what licences are needed for milk ATM business.


You can buy milk ATM machine online via this link:

Read also:


8th Branch Of Supermarket Means 8th Delivery Of The Most Reliable Milk ATM in Kenya

Every day on our social media pages, we share the success deliveries made on milk atm vending machines by Tassmatt, this is to help create buyer awareness on TASSMATT brand in the Kenyan market.

When we started the journey of milk ATM, we had in mind the dairy industry in Kenya, milk business in Kenya and how we would help create a business model that would be a win from the dairy farmer to a consumer on highly populated urban centers.

Today, the journey of milk business has been a smooth one to those who took advantage and have expanded through the years as the cost of living keeps going up. This is not to justify that its late, infact the best time to start is now.

Buyers have been purchasing the milk atms as an add-on on their existing businesses like shops, supermarkets and also as startups.

Supermarket and Tassmatt Milk ATM in Kenya

Today we highlight a successful chain of supermarket that has been growing steadily, thank to milk atms by Tassmatt.

The owner Mr. T as we call him had this to say to our editor “It’s been a long journey, 5 years to be precise working with Tassmatt as the supplier of my Milk atm machines, cooking oil atm machine and also the water purification system that i use on the water dispensing unit that is right at the corner of the building

What i appreciate most is the ease of functionality, i can be able to tell what capacity in litres that have been dispensed at a particular time, thank to the reporting and password protected system on this milk atms, power consumption is also low, refrigeration unit on this milk atms works as expected, keep the milk cool, another thing i like is the fact that Tassmatt assist us to acquire the needed permits like KEBS and KRA without much hustle”

How to contact Tassmatt Milk ATM Sellers in Kenya

We are always open to receive a call via 0726-410068, you can also find us on facebook, google business and twitter.

Consider Tassmatt Milk ATM for your next milk atm project!! Indeed this answers the question on where to buy the best milk atm machine in Kenya

You can read about milk atm business in Kenya here

7 Milk ATM Machines To A Single Happy Investor In Bondo – 0726410068

After a months of research and business planning, the dairy farmers from Bondo, Western Kenya came up with a strategy to maximise profits by widening its milk value chain.

Today, they have acquired seven of the top best milk ATM vending machines from Tassmatt Agencies Limited, who are accredited sellers by the Kenya Dairy Board. They can now sell milk to consumers directly, this was after acquisition of milk pasteurizer earlier. It’s a requirement of KDB – who are the industry regulators – for milk ATM businesses to dispense pasteurized milk.

The Automated milk vending machine allows a customer to purchase milk of any quantity depending on the amount of money they have, doing away with the need to package a fixed quantity of the milk with a static amount of money, just by the touch of a button.

The milk ATMs also does away with the interference of middlemen from the infringing the daily value of the milk.
For the part of a seller, their role is to ensure that the machine has got always a sufficient level of the milk stock.

This Milk ATMs have got a feature that enables one to record their daily sales from the machine. This reprieves a business owner from the conventional sales recording and helps you get the most accurate data from all your sales recordings.

Even when the owner is away from their business premises, they can still be sure of getting well recorded sales. One thing about this feature, it is accumulative, meaning, the owner can keep on recording the sales over a longer period of time. Also, when you feel that those records are enough, they can be reset and a new record is start all over again.

With the password protection feature coming in handy, the owner can have total control over their records as no one else apart from you can have access to controls over it.

Get intorch with us today to get the best deals on Milk ATM in Kenya 0726410068


Where To Purchase Milk ATM For Your Business In Nairobi

I am thinking of purchasing a milk ATM for business in Nairobi.

I need to know whether I can get one locally or must I import?

The Any Time Milk machine allows customers room to purchase milk from a mechanised nozzle in containers, saving them extra costs of branded packaging materials.

The milk ATMs are of different types; there is one which can be used in farms and raw milk gets pasteurised then moves to the nozzle without coming in contact with anyone.

The other automatic vending machines resemble ones used in supermarkets, and are not as highly expensive.

For arrangements to acquire one, please get in touch with Tassmatt Agencies Limited via 0726-410068

How Milk Dispensing ATMs By Tassmatt At Supermarkets Are Giving Processors Sleepless Nights

Sale of milk across the country has gone high-tech with the introduction of vending machines in urban centres that dispense milk just like money from an Automated Teller Machine.

Many supermarkets and outlets have acquired the equipment, which has seen consumers slowly drift away from purchasing packaged milk.

This has come as a relief for thousands of milk vendors who have, for years, been exploited by middlemen as they can now sell the produce directly to those who own vending machines.

At the same time, the fact that packaging cost is not factored, allows consumers to purchase the product at a cheaper price.

The equipment allows users to purchase milk by depositing money — in coin form — and in turn receive varied milk quantities directly from the dispenser.

Moses Mwangi an attendant at Tuskys Supermarket in Nairobi, says most customers prefer to buy milk directly from the dispenser.

The supermarket, he says, sells up to 1,500 litres of milk per day. The product is purchased directly from contracted farmers.

Most outlets sell a litre of the milk at Sh65 compared to Sh100 for packaged milk. “Apart from the fact that it’s cheaper, consumers like the product because it is sourced directly from farmers,”  Mwangi says. The Sh7 million machine holds up to 2,000 litres of milk.

For large outlets like supermarkets, consumers are required to pay at the counter before the attendant dispenses the required quantity of milk. One can either buy a new container or use their own container to carry the product.

Hilda Githaiga, who has been purchasing milk from the ATM says besides being cheap, it is always fresh.

“I buy in large quantities and keep in my fridge for about a week. Purchasing directly from the dispenser is cheaper and you can always be sure of quality. I can’t remember the last time I bought packaged milk,”  Githaiga says.

Margaret Oyando says: “I love the fact that I can drink the milk without having to boil it.”

An attendant at the Naivas Supermarket, Mountain Mall branch in Nairobi, Paul Mtunya, says their machine holds about 1,000 litres.

He points out that the introduction of the dispenser has since posed competition to other processors who supply packaged milk.

“More people prefer buying milk directly from the dispenser because it is cheaper and you get value for money,” he said.

Nakumatt Supermarket has not been left out and most branches have installed the dispenser as well.

Returns are enormous on milk ATMs

“We cannot miss milk in this machine on a daily basis. We have been watching the market over a long time, and we now understand what they need. We will be moving to other branches very soon,” says Alfred Wesonga, an attendant.

Naivas Supermarkets sell a litre of milk at Sh65 while half a litre retails at Sh33. The same product at Uchumi and Nakumatt supermarkets costs Sh60.

Charles Boit, a businessman based in Eldoret, launched the initiative a year ago and says the returns are enormous. He reveals that he sells at least 1,000 litres of milk everyday and the demand has been growing. Boit sells a litre of milk at Sh60, which means on a daily basis, he earns Sh60,000 translating to Sh1.8 million monthly.

Ordinarily, milk is pumped directly from the farm to the coolers where it is pasteurised before being stored in the dispenser. Boit plans to set up another milk dispenser within the town and buy milk from farmers in the region.

“Our goal is to eliminate hawkers who frustrate consumers by selling low quality milk at high prices. We want to reach consumers at the comfort of their homes,” Boit said.

He says, “I was inspired to start the project because customers are looking for pasteurised fresh whole milk at a reasonable price since milk has, over the years, become very expensive.”

The fact that the milk atm machines have inbuilt boiling and pasteurisation compartments automatically meets the safety requirements of Kenya Dairy Board (KDB) – the sole regulator in the country.

Last year, KDB banned milk hawking as a quality and safety measure as well as to protect investors who own processing plants and have spent money on distribution systems.

However, there are still a number of milk hawkers upcountry who continue to exploit consumers.

The price of milk has been on the rise, a factor that has been attributed to increasing demand and changing weather patterns that influence production.

To purchase milk ATM in Kenya, contact Tassmatt Agencies Limited via 0726-410068

Article: Credit

Consumer perception of risk exposure and purchase preferences for milk from milk ATM in Kenya

Consumer perception of risk reflects their awareness of the potential risks exposure in milk consumption and they associate some milk retailing with more risks than the others. For the risks assessed, consumers hold the perception that milk from milk ATM is as safe as packaged milk while milk from ATM is safer than milk from plastic containers.

This observation by Tassmatt Agencies Limited would suggest consumer acceptance of milk retailing in ATM. Viewed from market-led perspectives, milk ATM retailing represent a new segment of formal milk share and therefore supportive to strategic objective of formalisation of milk market in Kenya as aspired for in the national dairy master plan.

It is a viable business opportunity that SMEs working closely with the government can build upon with good food safety assurance practices in contributing to the strategic development objective of the dairy industry in Kenya.

It is clear from results of this observation that consumers express low confidence in milk retailed from plastic containers as compared to milk retailed from ATM or packaged milk. Their perception of risk of milk from plastic containers is corroborated with the observed milk quality. Then on compliance in microbial quality was more prevalent in plastic containers than in ATM or in packaged milk. However, use of plastic containers in milk retailing remains widespread in the market outlets. This continues despite the introduction of small sized aluminium containers and improved plastic containers (mazzican containers) as alternatives to replace the plastic containers in efforts to improve milk hygiene and quality standards.

Predominant use of plastic containers in milk transport and retailing can be attributed to its low cost, though discouraged for milk handling because of difficulties in cleaning. It is possible to eliminate the prevalent use of plastic containers in milk handling if the government can extend the ban on plastic carrier bags successfully enforced in the country since 2017 to plastic containers

That consumers perceived presence of chemical preservatives (hydrogen peroxide) a greater risk in packaged milk than in milk from ATM or from plastic containers demonstrate consumer low confidence in both formal and informal milk retailing for quality and safety assurance. It points to consumers perceiving that chemicals are used in milk processing.

Milk processors should consider this a consumer concern in milk quality and safety assurance. It is an indication that processed milk has failed to guarantee consumers safety as they express higher preference for milk from ATM over packaged milk on several attributes for which packaged milk would justify charging premium price. This observation has established that milk from ATM is more attractive than the packaged milk for several reasons: price, consistent availability, traceability and safety from chemical and biological hazards. The observation corroborates those of cooking and salad oil atm et that consumers prioritise price and convenience over safety in their milk purchasing behaviours.

For milk atm sellers in Kenya, contact Tassmatt via 0726-410068

Milk Coolers In Kenya, Things To Note And Where To Buy

Refrigeration is the single most important factor in maintaining the safety of milk. Milk Coolers are engineered to hold milk at temperatures below 40 degrees F which is ideal to protect milk’s quality. The cooler refrigerated milk is kept, the longer it lasts and the safer it will remain. As milk is allowed to warm, bacterial grow more rapidly and quality and safety are diminished. Properly refrigerated at temperatures below 40 degrees F, milk can be safely stored for about two weeks. Investing in a quality milk cooler is an investment in reliability and safety for employees and customers.

Once you’ve decided to purchase a milk cooler in Kenya, you need to choose your milk cooler – so what should you look for? Contact Tassmatt Agency Limited via +254 726410068 Here’s a short list that can help you narrow down your options to make the best decision for your milk cooling operation.

Size Of Milk Coolers

When sizing a milk cooler, you will typically base your needs by the capacity of milk that you need to store within the cooler at any given time. You should also look at the height and weight of the unit you are considering ensuring it will fit in the space you have allocated.

We do have different sizes of the milk cooling chillers tank ranging from

200Ltrs, as well as,

300Ltrs, as well as,

500Ltrs, as well as,

800Ltrs, as well as,


Materials & Construction Of Milk Coolers

The most popular material choice is stainless steel because it is highly durable and resists corrosion. It is also common to have the interior of a unit is stainless steel which is why they are corrosion resistance. The exterior construction of the Tassmatt Milk Coolers is stainless steel. You’ll want to be sure that the unit you select has a stainless steel interior.

Cleanout Drains

Milk coolers should be equipped with clean out drains. In some cases, you can locate the outlets of the drains over the floor drains or over a bucket to clean out any liquid waste and dispose of it appropriately. These drains are very handy when cleaning the unit as you can clean and rinse over the drain.

Digital Thermometers

Because milk coolers are all about keeping milk at the food safe temperature of below 40 degrees F, having a digital easy to read exterior thermometer is really a necessity rather than a nicety. Look for a unit that has a digital display on the outside of your box so it’s easy to keep track of. This are some of the quality that comes with Milk Coolers From Tassmatt. 


At Tassmat we ensure that we are honest, truthful and transparent in all our dealings with the client.

Thus we disclose all important information on Product, Price, Quality, Warranty, Durability and finally Options. Therefore you make your purchase well informed because our relationship exceeds beyond quality service to a loyal, satisfied Client.

Comment and tell us which coolers you prefer.

Operational costs and returns in running Milk ATM enterprise in Kenya

Its no secret that more than half of the operational cost in Milk ATM enterprise is for servicing, which reflects efforts by entrepreneurs to implement scheduled servicing as instructed by the manufacturers. But the high cost of servicing present concern in the running of Milk ATM enterprise because entrepreneurs are likely to skip some servicing schedules in order to reduce operational costs. This would be a failure in complying with the regulations requiring that Milk ATM retails only pasteurized milk.

In this study by Julius Mwaura, director at Tassmatt Agencies Ltd – One of the leading suppliers of Milk ATMs in Kenya with a 5star rating – the operator declared that one sample out of thirty nine samples was raw milk, suggesting that not all milk from Milk ATM are pasteurized. Retailing unpasteurized milk in the ATM pose the risk of compromising the quality and safety of traded milk. This should inform the authorities controlling food safety to direct effective quality inspections towards checking trade malpractices in milk ATM retailing businesses. One of the major reason was misinformation from where they had bought the Milk ATM machines and most reported to have purchased from resellers placing adverts all over the internet.

Though most Milk ATMs in Kenya are imported, emerging local assembling is evident, which would grow with increased uptake of the ATM for milk retailing. It would be beneficial to the efforts of formalizing milk market in Kenya to support local innovation in fabricating and assembling milk ATM in Kenya because it would make the machines affordable and create jobs in the dairy value chain.

Consumers are attracted to milk from ATM because milk is retailed at a price half lower (KES 60 to 70) than the retail price of 1 litre of pasteurised, packaged milk (KES 120). This means that consumers save KES 50 to 60 per litre of milk. The saving is an economic incentive in markets where consumers prioritize price and consistent availability over milk safety as they may be unwilling or unable to pay a premium price for packaged milk. The retail margins per litre of milk of up to KES 10 are a business attraction to SMEs, depending on the volume of milk traded. They can cash on this market opportunity in responding to the growing domestic consumption demand for processed milk and dairy products evident in the economic surveys.

The milk sale volumes between 2013 and 2018 increased by 21.3 % in processor milk intake, by 11.7 % in processed milk and cream, by 46.1 % in cheese and by 1.5 % in butter and ghee. These growth trends in manufacturing high value milk and dairy products present an increasing demand by processors for supply of high quality and safe milk. Some of the high value milk and dairy products are the pasteurised ready to drink milk retailed in ATM, targeting urban consumers.

But running milk ATM enterprise require secured access to stable supply of clean water and electricity to observe the hygiene practices and to avoid compromising quality and safety of milk to consumers. If the growing consumption demand trends continue, pasteurised milk from ATM would be a growing segment of the milk retail market. The government can support growth of ATM in milk retailing with evidence base to inform targeted response to this likely growth scenario by understanding better the likely growth trends, consumer demands and policy responses that may support or discourage further growth of milk ATM in the country.

For detailed information on Milk ATM enterprise in your area contact Tassmatt via 0726-410068 and they will be helpful. They are certified sellers of milk ATMs in Kenya together with milk pasteurizers and milk coolers in Kenya.