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INTRODUCTION TO

PAY BILL

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WHAT IS PAY BILL


This is a service that allows registered M-PESA users to pay bills through their mobile line Companies that wish to accept payment via M-PESA need to first open a business account with M-PESA. On meeting the requirements, the company signs a contract with Safaricom and is then configured on the system and issued with a unique number called the business number. This is the number that the customer enters into the M-PESA menu when paying for their bills. Money paid to a specific company is held in their M-PESA business account and they can withdraw it through a web request to Safaricom as stipulated on their contract.

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CUSTOMER EXPERIENCE
Enter business no. 600600 Enter account no. ABC123456789 Enter amount

3250

Enter PIN

Pay bill 600600 Account ABC123456789 Ks3250


OK Back

****

X-DP200 confirmed Ks3250 sent to MTV KENYA for account ABC123456789 on 29/6/08 at 2.26 PM New balance Ks1750

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BUSINESS EXPERINCE
Each Pay Bill client will have a unique business
number

Each Pay Bill client will operate 3 different MPESA accounts

Utility account this reflects all customer


payments

Charges paid account this indicates


amounts owed to Safaricom
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M-PESA account this is the interface

Sample of web based utility a/c


The business can monitor amounts deposited on line and can also have this report in either PDF or Excel

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Sample of utility a/c report


The business can generate reports in PDF or export them in an excel format

The business can engage a third party to automate the process and come up with an end to end solution

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Sample of Business Terminal


The business can also generate reports from a modem and export them in a csv format

From

Phone Number

Time

Content X-EP311Confirmed. on12/11/09at5:34AM Ksh100receivedfromMainaBen254717708488. AccountNumber123ABC 11-12-098:35NewUtilitybalanceisKsh3,150 X-EP309Confirmed. on12/11/09at5:24AM Ksh100receivedfromJackieSanders254716608430. AccountNumberTEST NewUtilitybalanceisKsh2,950

2519

10-22-20098:29:00 2519AM

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FLOAT TRANSFER
The Business will identify two or more Operators who will be responsible for transfer of float from the utility account to the M-PESA account The 1st operator creates the transaction The 2nd operator confirms the transaction The request will then be visible to Safaricom Safaricom will initiate an EFT to the businesss registered bank account within 48 hours Minimum EFT amount Ks. 50,000

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BENEFITS
Customer convenience Higher revenues Real time collections records updated in seconds Cost reduction Reduced staff & other admin costs Better resource utilization Low cash risk

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ISSUES TO CONSIDER
Integration of M-PESA into the current payment processes Associated costs of integration Tariff who pays? Authority and responsibility relationships

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REGISTRATION PROCEDURE
Complete the following forms 1. Pay bill Utility Application Form Attach the following documents (where applicable certified copies):

Brief company Profile Certificate of Incorporation or equivalent Memorandum and articles of association or equivalent The most current annual returns PIN Certificate VAT Certificate Resolution by directors to use M-PESA or equivalent Form CR12, current to 1 month

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