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Kenya - How to Send Money through M-Pesa

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ProcedureEdit

  • M-PASA registered customers can send money or transfer money to mobile numbers of both registered and unregistered M-PESA users. To send money, the M-PESA customer/user must have an e-value in their M-PESA account and have a valid M-PESA PIN.
  • Send money can be accessed via various channels as listed below:
    • STK (Sim Tool kit)
    • M-PESA Super App
    • Safaricom App
    • USSD *334#


Apply via mobile Application
Send Money via STK (Sim Tool Kit)

  1. To be able to transfer/send funds via STK (Sim Tool Kit), the Customer is required to be a registered M-PESA user, and should follow the following step:
  2. On their mobile device, locate the Safaricom SIM Tool kit and click on the App, then ;
    • Select M-PESA
    • Send Money
    • Enter the receiver phone number or select the number from your contact list
    • Enter the Amount one wishes/desires to send
    • Enter your personal M-PESA PIN
    • The sender will receive a message that prompts him/her to confirm the transaction details (Receiver mobile number and Amount)
    • A message will pop up with “Cancel or Ok”.  The sender can “Cancel” if he/she notices that the number entered is not correct or select “Ok” if the details are correct.
    • Another message will pop up with the name of the person you were sending money to, the amount the person will receive, and the cost of the transaction.
    • The sender can either select “1” to Accept (if the details given are correct) or select “2” to Cancel (if you notice an error in the transaction).


Send Money via M-PESA Super App

  1. To transfer funds via M-PESA supper App, a registered M-PESA user is required to first download the M-PESA supper App from Apple store or Google play store.
    Please note; when signing in for the first time, the user is required to turn on their mobile data connection / WI-FI to ensure a secure login.
  2. Users are encouraged to read through the “Terms and Conditions” before taking the action of either “Accepting or Declining”
  3. User who Accept the “Terms and Conditions” will be required to enter a valid M-PESA PIN for authentication
  4. Register your fingerprints or facial recognition to use in authenticating the transactions (For customers whose handsets have biometric features)
  5. To send money from the M-PESA SUPPER APP customers is required to initiate the following steps;
    • Open the M-PESA App
    • On the home tab select send and request
    • Select send money
    • Enter the receiver phone number or select the number from your contact list
    • Enter the amount one wishes/desires to send
    • Complete the transaction using M-PESA PIN or biometric authentication.
    • After a successful transaction process the customer will receive an SMS confirmation that funds have been sent from your M-PESA Account.


Send Money via Safaricom App

  1. To Send Money via Safaricom App, registered M-PESA customers will need to download the Safaricom App from Apple store or google play store
    Please note; when signing in for the first time, the user is required to turn on their mobile data connection / WI-FI to ensure secure login.
  2. Users are encouraged to read through the “Terms and Conditions” before taking the action of either “Accepting or Declining”
  3. Users who Accept the “Terms and Conditions” will be required to enter a valid M-PESA PIN for authentication.
  4. Register your fingerprints or facial recognition to use in authenticating the transactions (For customers whose handsets have biometric features).
  5. To send money from Safaricom App customers is required to initiate the following steps;
    • Launch my Safaricom app
    • Select send money
    • Enter the receiver phone number or select the number from your contact list
    • Enter the Amount one wishes/desires to send
    • The sender will receive a prompt message that asks if he/she wishes to proceed with the PIN transaction>select send
    • Complete the transaction using M-PESA PIN or biometric authentication.
    • After a successful transaction process the customer will receive an SMS confirmation that funds have been sent from your M-PESA Account.


Send Money via USSD

  1. Registered M-PESA customers should dial the USSD *334# on their mobile device, then follow the following steps;
    • Select send money
    • Enter the phone number of the receiver
    • Enter the amount you wish to send
    • Enter your personal M-PESA PIN
    • The sender will receive a message that prompts him/her to accept or cancel
    • Select “Accept”, to complete the transaction process.
    • After a successful transaction process the customer will receive an SMS confirmation that funds have been sent from your M-PESA Account.



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Required DocumentsEdit

No supporting documentation is required for this service; however, the following information should be submitted to enable the transaction process;

  • Sender personal M-PESA PIN
  • Receiver Mobile number
  • Amount to be sent



Office Locations & ContactsEdit

Safaricom shop, outlet or care desk Location & Contacts to access various services

Communications Authority of Kenya -CA
Head Office
Address: Waiyaki Way, Nairobi
Kenya
P.o. Box 14448-00800, Nairobi
Kenya
Mobile: 0703 042000, 0730 172000
Tel: +254 (20) 4242000 2441081-4
Email: [email protected]
CA Regional Offices Contact Details
CA Website

EligibilityEdit

  • All registered Safaricom customers with an active M-PESA account.
  • One must have an e-value in their M-PESA account.



FeesEdit

  • A transaction fee is charged by the telecommunication company (Safaricom), transaction charges depend on the amount to be sent and if the receiver is a registered M-PESA customer or not. Please refer to the link below to view the M-PESA Tariffs.


M-PESA Transaction Charges-2023

ValidityEdit

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever



Documents to UseEdit

Please attach documents that can be used by people. e.g. links



Sample DocumentsEdit

Please attach sample completed documents that would help other people.



Processing TimeEdit

  • The time frame for processing the transaction request is within 3 minutes.



Related VideosEdit

Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites.
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is dkisplayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.



InstructionsEdit

Please provide other instructions related to the certificate/documents.
e.g. The state office holds birth records since January 1908.


Required InformationEdit

  • Sender personal M-PESA PIN
  • Receiver Mobile number
  • Amount to be sent



Need for the DocumentEdit

  • This is the process of sending money through M-PESA by a registered M-PESA customer to another party who may be either a registered M-PESA customer or not.
  • M-PESA is a mobile banking service that allows users to store and transfer money through their mobile phones.



Information which might helpEdit

Enter other information which might help.


Other uses of the Document/CertificateEdit

Please explain what are other uses for obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.



External LinksEdit

Communications Authority of Kenya -CA


OthersEdit

More information which might help people.



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