1. M-PESA Paybill service C2B
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2. What is available in M-PESA?
Cash In Cash Out
Over 20,000 agent outlets countrywide Person 2 Person Transfer KShs Billion (USD 5.27B) transferred since launch (Sept 2010) Airtime Top-Up Flexi Value anywhere you are Bill Payment Over 500 Pay Bill Partners ATM Withdrawals 24/7 access Over 650 ATM’s connected countrywide
Social/Salary Payments over 120 bulk payment Partnerships
Partnerships with Oxfam, Concern worldwide and other NGO’s
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3. Why Mobile Money Transfer?
Only 20% of Kenyans have bank accounts but many more have access to a mobile phone & the gap is widening
Addressable Mobile Market
Banked Population
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4. Growth of M-PESA Cash In Cash Out
Over 26,000 agent outlets countrywide Over 13.6M active customers
Person 2 Person Transfer Over Ks. 45B transferred monthly Airtime Top-Up Flexi Value anywhere you are Bill Payment Over 500 Pay Bill Partners ATM Withdrawals 24/7 access Over 650 ATM’s connected countrywide
Social/Salary Payments Over 120 bulk payment Partnerships
Partnerships with Oxfam, Concern worldwide and other NGO’s
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5. M-PESA PAYBILL
The Product
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6. BENEFITS OF M-PESA PAYBILL
This is a service that allows registered M-PESA users to pay bills through their M-PESA enabled Safaricom lines.
KEY OBJECTIVES
Beneficiaries to access their funds faster
To reduce cost of processing payments
To reduce payment processing time
To increase security
BENEFITS OF M-PESA PAYBILL
To beneficiary:
Fast
Safe
Affordable
Convenient
Availability
Free to register
To the Organization
Customer Convenience
Low cost
Real time collections
Secure platform
Compatibility to handle large volumes
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7. Application Process Required Documents Service Request Form
Utility Application form
KYC Documents
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8. Application Process
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9. Customer Experience Enter business no. 600600 Enter account no.
ABC
Enter amount
3250
Pay bill
Account ABC
Ks3250
OK Back
X-DP200 confirmed
Ks3250 sent to CCN
for account
ABC on
29/6/08 at 2.26 PM
New balance Ks1750
Enter PIN
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10. Schematics Business Offices 3 4 Pay Bill No. A/c No. 5b 2b 5a
Short Code 2a 1
Financial Information System

11. Schematics
Customer makes balance query to a short code XXXX (alternative the business may decide to “push” the bill monthly)
Query received and processed by the organization’s FIS and returns the balance due to the customer
Customer makes the payment through M-PESA
M-PESA record received by the business and is processed by the FIS
FIS updates customers records and sends an sms to the customer informing him of his new account balance

12. Business Experience
Each Pay Bill client will have a unique business number
Each Pay Bill client will operate 3 different M-PESA accounts
Utility account – this reflects all customer payments
Charges paid account – this indicates amounts owed to Safaricom
M-PESA account – this is the interface between the Pay Bill’s utility account and Safaricom

13. Sample of web 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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14. Sample Utility Account 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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15. 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
2519
:35
X-EP311 Confirmed. on 12/11/09 at 5:34 AM Ksh100 received from Maina Ben Account Number 123ABC New Utility balance is Ksh3,150
:29:00 AM
X-EP309 Confirmed. on 12/11/09 at 5:24 AM Ksh100 received from Jackie Sanders Account Number TEST New Utility balance is Ksh2,950
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16. Sample of Web Based Charges Account
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17. 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
The business will initiate an EFT to their registered bank account, this will take effect within a maximum of 48 hours
Minimum EFT amount Ks. 50,000

18. Customer Transaction Limits
Per transaction Kes 70,000
Per day Kes 140,000
Per account Kes 100,000
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19. 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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