M-PESA Ratiba

Which M-PESA transaction types are not supported?

The following transaction types are not supported, but will be availed in future:

Purchase of airtime,
Payments to and from Pochi la Biashara
International money transfers
Withdrawal of funds at agent outlets
Interoperability services such as sending funds to Airtel and Telkom subscribers.

What transaction value limits are supported by the standing order?

Regular M-PESA transaction limits of KSh. 250,000 per transaction and KSh.500,000 per day shall apply. These limits do not include the transaction fees.

Will the customer incur extra costs to use this service?

Yes. There will be a standard M-PESA Ratiba charge of KSh 5 per transaction (send money, Paybill, Lipa na M-PESA) above the normal M-PESA transaction charges.

Will Fuliza apply where the customer has insufficient balance?

No. The customer will be required to have sufficient funds to complete the transaction. The transaction will fail where one has insufficient balance in their M-PESA.

Will failed payment attract any penalties or charges?

The customer will not be penalized for failed standing orders occurring because of insufficient funds in their M-PESA wallets.

Will the customer need to set the date and time of disbursement

Only the start and end date of the disbursement will be set. The time (HH:MM) of disbursement will be set automatically as the time the customer completed each standing order creation process. On the day of disbursement, the transfer will be done exactly 5 minutes after the set HH: MM.

Where a transaction fails for one reason or another, will the system attempt to retry another transfer automatically?

No. Once the date and time have passed, no transaction shall be processed. The customer will however still be able to make the payments manually.

Will the customer be notified of upcoming disbursement whether they have sufficient balance or not?

• On the mini-App, one can schedule reminders (for manually initiated transactions) or schedule auto-debit transfers.

• The *334# USSD channel only supports the auto debit model which does not send reminders prior to the transfer being effected.

Will the customer be required to enter M-PESA PIN during M-PESA Ratiba setup?

M-PESA PIN will be required at the time of opting in and accepting the terms and conditions of the service. One will also require their M-PESA PIN when setting up the automatic standing orders.

Will the customer be required to enter M-PESA PIN each time a scheduled payment is due?

No. Once the setup is complete, the transfer of funds will be effected without the need to enter M-PESA PIN each time.

How does one opt into the M-PESA Ratiba ?

The customer must opt in and accept the Terms and Conditions, before being allowed to create standing orders or schedule payments.

Via USSD *334#

Dial USSD *334#
Select M-PESA Ratiba
Select Standing Order Opt In.
Accept Terms and Conditions
Enter M-PESA PIN

How do I create a standing order on M-PESA Ratiba?

One must have opted in and accepted the terms and conditions above, to set up standing orders.

Dial USSD *334#
Select M-PESA Ratiba
Select Standing Order.
Select Create a Standing Order.
Select the type of transaction.
Enter Mobile Number/ Buy goods/ business number.
Enter Amount (Maximum is 250,000)
Enter the name of the standing order.
Enter the first date of the standing order payment.
Enter the last date of the standing order payment.
Select Frequency.
Confirm details.
Enter your M-PESA PIN.

Can a standing order be modified?

One cannot modify a standing order once it has been created. The customer can, however, delete it and create a new one.

Can transactions be reversed once sent?

The usual transaction reversal procedure will apply where funds have been sent out. However, the customer is responsible for managing their scheduled orders and canceling any that they do not wish to complete before the funds are sent out.

Can this service support recurring payments for services such as Netflix?

Not now. For these, kindly use the M-PESA GlobalPay card service available on our M-PESA Super App and on the Financial Services menu of *334#.

How many standing orders can be scheduled at a time?

There is currently no limit. One can schedule as many requests as possible.

What is the priority of payment when multiple orders have identical dates?

The system will queue the payments depending on the order in which they were set up, based on first come first served.

Does a scheduled standing order expire after a period?

The standing order will only be executed between the start and end dates as set by the customer. Expired standing orders will automatedly be deleted after the end date scheduled by the customer.

What is the difference between deleting a standing order and opting out of M-PESA Ratiba service?

Deleting a standing order only cancels the payment that was scheduled, whereas opting out removes the customer from the M-PESA Ratiba service after they have deleted all scheduled standing orders. Once opted out, the customer will have to accept the Terms and Conditions to opt back in and use the service.

Where a customer incurs a penalty somewhere else due to failure to disburse funds, will the customer be compensated?

Safaricom will do all that is within its power to ensure all services are optimally available. However, the customer needs to monitor and ensure the funds are manually sent in case of delays to the M-PESA systems. Please refer to the Terms and Conditions of this service for further details.

Customer support

In case of any queries and more information,

Call 100 or 200.
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