Merchant & Paybill Interoperability Service
Safaricom in partnership with the other Telcos, Airtel and Telkom has been involved in a CBK industry-led initiative to accelerate the digitization of merchant payments.
Customers who are using other mobile networks (Telkom and Airtel) can now make payments to Safaricom Lipa Na M-PESA Buy Goods Tills and Paybills. Customers from other networks will not need to provide any additional KYC to transact with Safaricom Lipa na M-PESA merchants. Airtel and Telcom customers will have to be registered on Airtel Money and T- Kash, respectively.
The product is targeting the following customers.
- Lipa Na M-PESA Paybill organizations and Buy Goods merchants.
- Lipa Na M-PESA customers.
- Customers from other Telcos (Airtel and Telcom).
Airtel customers will have to be registered on Airtel Money and dial *222# from the Airtel Money registered mobile number.
Telkom customers will have to be registered on Airtel Money and dial *160# from the T-Kash registered mobile number.
This is a joint project between Safaricom, Airtel and Telkom that will allow all customers to pay for goods and services at any merchant outlet regardless of which network they operate on - Safaricom, Airtel and Telkom T-Kash merchants. • This means for example, that a Safaricom M-PESA customer will be able to pay for goods and services from an Airtel money or Telkom T-Kash merchant.
The service will offer the following benefits to customers and merchants.
- Quick and simple access and payments from any network.
- Merchants to receive payments from a wider customer base.
This service targets Airtel and Telkom mobile money customers paying Safaricom Lipa na M-PESA merchants i.e., Paybill organizations and Business Till merchants.
The maximum amount payable to an M-PESA merchant is KSh. 150,000.00, the minimum amount payable to an M-PESA merchant is KSh 1.00
This service will enable Telcom and Airtel customers to make payments to Lipa Na M-PESA Buy Goods till.
Airtel customers will have to be registered on Airtel Money and follow the steps below.
- Dial *222# from the Airtel Money registered mobile number.
- Select Lipa Na Airtel Money.
- Select Buy Goods.
- Select M-PESA Till.
- Enter M-PESA Till number.
- Enter Amount (Maximum amount KSh150,000)
- Enter PIN
- The customer receives the notification of the transaction status.
Telkom customers will have to be registered on Telkom T-Kash and follow the steps below.
- Dial *160# from Telkom T-Kash registered mobile number.
- Select Buy Goods and Services.
- Select use M-PESA Till number.
- Enter Till number.
- Enter Account number.
- Enter Amount (Maximum amount is KSh150,000).
- Enter T-Kash PIN to confirm M-PESA.
- The customer receives the notification of the transaction status.
This service will enable Telcom and Airtel customers to make payments to Lipa Na M-PESA Paybill organizations.
Airtel customers will have to be registered on Airtel Money and follow the steps below.
- Dial *222# from the Airtel Money registered mobile number.
- Select Lipa Na Airtel Money.
- Select Buy Goods.
- Select M-PESA Till.
- Enter M-PESA Till number.
- Enter Amount (Maximum amount KSh150,000)
- Enter PIN
- The customer receives the notification of the transaction status.
Telkom customers will have to be registered on Telkom T-Kash and follow the steps below.
- Dial *160# from Telkom T-Kash registered mobile number.
- Select Buy Goods and Services.
- Select use M-PESA Till number.
- Enter Till number.
- Enter Account number.
- Enter Amount (Maximum amount is KSh150,000).
- Enter T-Kash PIN to confirm M-PESA.
- The customer receives the notification of the transaction status.
The following will be the charges for the customer payment to Buy Goods Till transactions.
|
Service |
Charges on merchant |
Charges on Telkom and Airtel customer |
Charges on Safaricom customer |
|
Payment to merchants charged (0.5%) |
Merchant is charged 0.5% per transaction (charge should not exceed 200) |
Free for customers |
Free for customers |
|
Payment to fuel merchants |
Free for merchants |
Free for customers |
Customer is charged 0.5% per transaction (charge should not exceed 200) |
Telcom and Airtel customers will be charged as below table for the transaction to the Lipa Na M-PESA Paybills.
|
Transaction band |
Airtel/Telcom Customer to Standard Tariff |
|
|
Min |
Max |
|
|
1 |
49 |
0 |
|
50 |
100 |
0 |
|
101 |
500 |
4 |
|
501 |
1,000 |
9 |
|
1,001 |
1,500 |
14 |
|
1,501 |
2,500 |
19 |
|
2,501 |
3,500 |
24 |
|
3,501 |
5,000 |
33 |
|
5,001 |
7,500 |
40 |
|
7,501 |
10,000 |
46 |
|
10,001 |
15,000 |
55 |
|
15,001 |
20,000 |
60 |
|
20,001 |
25,000 |
65 |
|
25,001 |
30,000 |
70 |
|
30,001 |
35,000 |
80 |
|
35,001 |
40,000 |
96 |
|
40,001 |
45,000 |
100 |
|
45,001 |
50,000 |
105 |
|
50,001 |
70,000 |
105 |
|
70,001 |
150,000 |
105 |
No, Lipa na M-PESA merchants will receive the same message from M-PESA indicating the transaction ID, details of the customer, amount transacted, transaction cost, and the new merchant balance.
Customers will call their respective mobile network provider to request a reversal. e.g., An Airtel customer paying at a Safaricom Lipa na M-PESA will call Airtel to request a reversal. Airtel/Telkom will credit respective customers’ accounts.
No, customers will not forward the transaction messages to 456 to request a reversal. This service is reserved for Safaricom M-PESA customers only. The Airtel and Telcom customer will only request for the reversal by calling their respective mobile network providers.
Customers shall contact their respective service providers directly for all support functions i.e., Airtel customer care and Telcom customer care.
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