MPESA coming back home

Mobile money provider MPESA will be migrating from its current generation one platform to a more robust platform, generation 2. This means that the will have to move their servers from their current location in Germany and UK, to Kenya. Mpesa has frozen most of its services starting Thursday the 16th of April at midnight until Sunday the 19th of April 11 pm.
Some of the MPESA services that will not be accessible include:
-Changing MPESA pin
-Transacting on M-Shwari and M-Kesho
-Sending money to an unregistered person
-Registering for MPESA
-Activating new sim card
The new platform dubbed G2 is expected to make MPESA services more efficient. It will be able to process 900 transactions per second up from the previous 450 transactions per second done by G1.

Mpesa has one hundred and fifty thousand merchants on its system enabling customers to do easy C2B transactions. Mpesa hit the 7 billion shillings daily mark at the end of last year. Having started off as mobile money transfer service, MPESA has quickly adapted to the payments front with its aggressive LIPA NA MPESA product.
Launched in March 2007, MPESA is the most successful mobile money product in the world today. With an agent network of 80, 000 and 20 million users MPESA is definitely the most successful story ever told.

Hawalas and Money remittance providers on the spotlight in fight against terrorism

Thirteen money remittance providers have had the bank accounts frozen by the government of Kenya in a move stem organizations that are suspected to be financing terrorist activities. This comes in the wake of the Garissa university attack which claimed 148 lives.However the MRPs have come out strongly to defend themselves claiming that they are legal entities that are regulated by the Central Bank Of Kenya and give daily and monthly returns. The money remittance providers say they should not be mistaken for Hawalas which are informal establishments.
The Money Remittance Providers say they contribute 30% of all remittances from the diaspora which total to 300 million dollars.Hawalas are not regulated by the CBK. A person sending money through a Hawala only needs to make a phone call to the agent that is completing the transaction. The sender also provides a password to the sending agent and receiving agent. Once the receiving party provides the password needed, the transaction is completed.
KYC or know your customer is not duly followed by Hawalas but MRPs follow this process. For example for amounts exceeding 10,000 dollars one must provide source of funds and what it is intended to do. MRPs also have a maximum limit of 100,000 dollars that can be transacted by any given customer.
Investopedia defines Hawalas thus: Hawala is a method of transferring money without any actual movement. One definition from Interpol is that Hawala is "money transfer without money movement." Transactions between Hawala brokers are done without promissory notes because the system is heavily based on trust.

Obama Coming to Kenya This July

US President Barrack Hussein Obama is scheduled to visit Kenya this coming July. Obama will be visiting Kenya for the first time since he was elected to the most powerful  seat in the world, Presidency of the United States of America. President Obama will be in Kenya for the Global Entrepreneurship Summit (GES) 

Kenyans are so excited about this visit especially because Obama has his roots in this country. Obama's Father Barrack Obama senior hailed from Siaya and was studying in the US when he met Obama's mother.

The last time president Obama visited Kenya was in 2006 while still a senator for Illinois. Obama has repeatedly skipped Kenya as he visited other countries including neighboring Tanzania. He has also visited South Africa Egypt and Senegal.

The government of Kenya has agreed to co-host The Global Entrepreneurship Summit for 2015. The summit connects emerging entrepreneurs with leaders from Business, International organizations and Governments  looking to support them

Safaricom major changes to it's C-Level Management Sees Peter Arina Replaced by Sylvia Mulinge

Safaricom's General Manager, Consumer business Mr Peter Arina has stepped down from his plum post in a major restructuring communicated via email to all staff by Ceo Bob Collymore. Sylvia Mulinge who was previously General Manager, enterprise business will take over from Peter. Rita Okuthe who is currently director of marketing at Safaricom will fill in Sylvia's position of General Manager, Enterprise Business. Also exiting is director of customer management, ms Pauline Warui. Her place will be taken by the current retail network boss, Janet Atika. Safaricom's CEO Bob Collymore said that the changes were brought about by a need to reconnect afresh with the Customers. Mr Arina has worked at Safaricom for 11 years whereas Ms Warui has given 7 years service to the giant Telco. Collymore said the changes have been necessitated by an appreciation that Safaricom as a business had become disconnected to the customer needs at various levels. Collymore congratulated the two outgoing senior Managers for their exemplary services. These Changes Collymore said will prepare the Company for the heightened competitive environment.

Exit   

 Promoted

 It is very interesting to see that Safaricom is gender sensitive and is encouraging women to take top management jobs.

M-PESA TO FEEL THE HEAT FROM FACEBOOK PAYMENT SERVICE

A new payment service soon to be launched by Facebook is threatening to shake the very foundations of M-PESA in terms of payments options that it will offer Facebook users. A recent research by Standard Investment Bank revealed that the new payment service by Facebook might eat up on MPESA profits and future growth of the giant mobile money company. But Safaricom's Corporate Affairs Director Nzioka Waita in an interview strongly refuted this. Nzioka says that since the service will only be enabled to users in the US at first, the impact will not be felt by Kenyans who are the biggest consumers of MPESA services. MPESA has a current subscriber base of 20 million users while Facebook only reaches 4 million Kenyans.
Facebook announced that the new payment feature will be added to the messenger to allow people send money direct to each other. The service will be available on android and iOS messanger apps.
M-PESA currently has  network of over 40,000 agents across Kenyan who have helped grow the mobile money service in leaps and bounds. M-PESA was launched in Kenya in 2007 first offering only mobile money transfer services but has in recent years evolved into a full payments services offering C2B services and par

tnering with Major Banks to offer B2C services,.

How To Get a KCB MPESA account and borrow Cash Instantly

Now MPESA and KCB have launched a super wonderful mobile banking product dubbed MPESA KCB. This was launched on 10th of March 2015 and already it is proving to be a revolutionary product that might just unseat Mshwari from it's current dominance.

How does one open an account and borrow cash?

First dial *811# on your Safaricom line

You will be taken to a menu welcoming you to KCB MPESA account with an option of 1 accept terms and conditions or 2. dont accept . a link is provided( not to follow but read from the internet www.kcbbankgroup.com) majority of the customers might be using simple phones without internet so they may have to access the terms and conditions later.

once you accept the terms and conditions you will be sent a one time pin which you will be rquested to change to a preferred pin.

After that the full menu will be available for you and you can borrow as much as 5,000 shillings on day one!! just like that!!!

This product is bound to shake the whole mobile banking industry. Some years back when Safaricom introduced the OKOA JAHAZI product, according to the then CEO Michael Joseph they made a whooping 5 million shillings on day one just from word of mouth of subscribers.

Of course there is a high risk of defaulters but the pros supercede the cons by way too far. Depending on your MPESA transaction history KCB MPESA will decide whether to approve your loan request or reject it. Well Michael Joseph once reffered to Kenyans peculiar calling habits, will they be peculiar borrowing habits?

Safaricom's MPESA sign deal with KCB to boost mobile loans

Just slightly over two years since Safaricom partnered with CBA bank to launch M-shwari mobile based savings and loans service, they have entered into yet another such partnership this time with KCB.Mshwari was an instant success offering loans of up to Ksh 5,000 but later reviewed that to Ksh 8,000. The new KCB Mpesa mobile banking service offers loans at between four percent to 12 percent.

The Mobile credit service was launched  on 10th March 2015 and will offer customers loans of  between kes 50 and kes 1,000,000 payable in one to six months. Mobile banking has become a cut throat field with banks going for the jagular in this very competitive and lucrative arena. KCB has announced that transactions had moved from 10,000 daily to 100,000 transactions and transaction amounts hitting the 125 billion mark last year. Recently Bill gates lauded MPESA for bridging the gap between the haves and have nots, the banked and unbanked. 

CBA announced that it gives upto 50,000 loans a day. Currently due to that statistic its savings account stands at 153 billion and its loan account at 29 billion. CBA recently hit the 10 million mark in customer base.

In an interview with Citizen business Center presenter Terryanne Chebet, the CEOs of the two Corporates Bob Collymore Safaricom and Joshua Oigara who is group ceo KCB shied away from the all too common question of revenue share. However Bob did say that since KCB are taking the risk and Safaricom providing the technology, KCB was taking home the Lion share.
Lately banks have been running to MNOs for margers in mobile banking solutions that have brought about financial inclusion to the critical mass.
Safaricom has already been in three partnerships of Convenience. First with Equity bank when they first launched the MKESHO mobile banking service. Unfortunately it did not las long because the two parties did not agree on a revenue share model. Safaricom later shifted gear and partnered with CBA bank for the MSHWARI mobile banking service. This was an instance success. KCB MPESA is the latest Partnership that Safaricom has entered into, this time with KCB bank.

Safaricom Counters Airtel Unliminet with Crazy Internet Offers

Safaricom limited is not going to stand and watch it's subscribers make a switch to rival Airtel with it's unliminernet offer. Safaricom has come up with crazy internet bundles offer to counter the rival's recent campaign. Ironically. both networks are using the same USSD code to *544# to on board subscribers. Currently Safaricom controls 70% of data market and that is just the way they want it to remain if not higher. Below is the new data structure for safaricom

DAILY BUNDLES

OFF-PEAK (10pm-6am)

SMS

Price

5MB

5MB

5SMS

5

12MB

12MB

12SMS

10

25MB

25MB

25SMS

20

50MB

50MB

50SMS

30

100MB

100MB

100SMS

40

WEEKLY BUNDLES

OFF-PEAK (10pm-6am)

SMS

Price

4MB

4MB

-

5

10MB

10MB

-

10

30MB

30MB

-

25

65MB

65MB

-

50

MONTHLY BUNDLES

OFF-PEAK(10pm-6am)

SMS

Price

100MB

100MB

-

100

300MB

300MB

-

250

650MB

650MB

-

500

2GB

2GB

-

1000

5GB

5GB

-

2000

10GB

10GB

-

3000

25GB

25GB

-

5750

50GB

50GB

-

6750

POWER BUNDLE/OFF-PEAK - 10PM - 6AM)

Barclays Partners with Twitter to offer Payments Solutions

If you live in the UK You will soon be able to make and receive payments to and from

your twitter buddies using pingit. The product is expected to be launched next month specifically on March 10th. This will be a first in terms of Social media innovations in the payments . To make payments one would have to log in to Pingit, Enter the twitter handle or select payee from a list, Complete the payment. With Britons regularly on their phones and more so on twitter, this product provides an easy, fast, efficient way of making payments without necessarily inputting your mobile number or bank account number. The patnership hopes to capture the 13 million plus twitter users in the UK. Pingit was launchedby Barclays in 2012 can be used to pay bills and donate to charity and has close to 4 million downloads and a billion pounds worth of transactions.

How to get your KCSE results on phone

The much awaited Kenya Certificate of Secondary Education, KCSE results for the 2014 examinations will be out next tuesday. As usual anxiety is getting to fever pitch as both students and parents await with bated breath to find out the examinations results. It is a digital world and they wont have to queue at school notice boards to know. All they will need to do is SMS their INDEX numbers to the short code 22252 and the results will be sent right to their phones.A total of 880,486 students sat last years KCSE exam. SMS technology bridges the digital divide in today's fast paced life where time is of essence and information is needed right at the palm of your hands. Sms costs are 25/- per sms

Airtel Seeks to have Safaricom declared dominant and split into three business units

After 18 years of existence in the Kenyan Market Safaricom Limited has continued to dominate other networks and has proved to be a market leader. Currently Safaricom controls 75.6% market share in Voice, 93% in sms, 70% data and 66.7% in mobile money. Now Airtel is seeking to have Safaricom declared dominant by the regulator, Communication Authority so that the playing ground can be easy. This in layman language means that Safaricom has become a colossus and the other networks namely Orange and Airtel would benefit if it was declared dominant. That means Safaricom would operate in a more restricted business environment and it may have to be split into three independent entities.

MPESA
This would become an independent company and subscribers from other networks would register without necessarily moving from their networks. Safaricom's strategy of introducing MPESA was a win for them in terms of locking in their subscribers.

Mobile phone Services
This would be set aside to cater for mobile phone sales and voice services, sms and data but again on a controlled pricing if the Communication Authority will declare Safaricom dominant.

Infrastructure

This would run the base stations and again provide services to other networks at a controlled wholesale price.It should be noted that  Safaricom has invested heavily on infrastructure to ensure that it's customers enjoy uninterrupted services. The other networks want to use this infrastructure to help in terminating calls to their subscribers.
 
Interesting facts on the three telcos leadership styles
Safaricom was started in 1997 as a private limited liability company and was converted into a public company with limited liability in May of 2002. It has had only two CEOs namely Michael Joseph who retired in November 2010 and was succeeded by Bob Collymore. The MPESA service was launched in 2007. Safaricom has never done any major rebranding.

Airtel has rebranded four times in the last 15 years. From Kencell, To Celtel to Zain and finally to Airtel and nine CEOs to boot.

Orange which was the pioneer phone service provider and which was caught flat footed by Safaricom rebranded from Telcom Kenya has had 6 CEOs in a decade and a half.

Yu which made an exit last year had had 4 CEOs before winding up shop apparently because they were not making profits.

Payoneer Card Offering Convenience In Payments

Payoneer Card has been making ripples among the Mastercards available in the Market. Started in 2005 and with a global reach of 200 countries worldwide the Card offers convenience for Merchants and individuals alike. The Payoneer Card is a prepaid debit card that can be used for online purchases, stores and ATMs where MasterCard is accepted. Holders of payoneer mastercard can get paid by a host of companies that are in patnership with payoneer. Users can receive the money into their account and withdraw via ATM . The charges for withdrawing can be as low as 1.2%.

If you want to start receiving payments via Payoneer you would need to sign in to your account and select Payoneer as your payment mode. You will then start getting your money straight into your Payoneer account whereby you can withdraw from your local bank, ATM or shop online. When withdrawing from the ATM you however need to be careful not to withdraw more than is in your account because you will be charged for the failed transaction.

From your Payoneer account dashboard you can receive payments, request USD payments send payments to another payoneer account holder or withdraw from bank.

Payoneer Card will definitely be an easy affordable payment option for online marketers outside of Europe and USA who receive payments from Affiliate marketing companies and Google. These people always endure  high commissions levied to their payments from other modes of receiving their hard earned cash.

Uber Enters Lucrative Kenyan Market

Kenya became the 6th African Country for the App-based Transport network and taxi company Uber to venture in. The company has its headquarters in San Fransisco and operates its services in many cities of the world. Nigeria and South Africa Preceded Kenya in Uber's Ventures.. Kenya is especially strategic due to its large population and more so the smart phone users.Uber is a smart phone application that connects drivers to passengers in a certain area. The service is convenient and all a passenger needs to do is have the Uber application in his phone, with the app one can locate the nearest driver and within ten minutes his or her transport will have been sorted.The app has a GPS based dispatch built into the software. The customer can select a convenient cashless payment mode. Alaster Curtis,  Uber  GM says that they are looking at introducing the service to other cities in Kenya apart from Nairobi and integrate M-pesa as a payment mode.

A similar service has been running in Kenya by the name Easy Taxi. Easy taxi user experience is great but the brand did not quite hit the market strongly

Equity Bank Fires Google as Battle for cashless transport Intensifies

Kenya's transport industry is ripe for cashless payments and the players are gearing off for a face-off. Bebapay which is powered by google wallet was the first to announce entry into the market. Bebapay is being operated by Equity bank, the biggest bank in Africa by customer base with eight million customers. The move to cashless has been a tag of war between commuters, Transport operators and the government. Initially Bebapay was just a card that could only enable customers to travel and get reports of bills via their phones, the bus conductor would use an android phone to complete the transaction via NFC. But now Equity is dropping the NFC powered card by Google and embracing EMV through  the new Equity prepaid Master card that will be able to compete with KCB  PEPEACARD . As the transport sector is getting ready to go fully cashless  the banks don't want to be left behind and want a piece of the pie in processing the transactions before they hit the merchants collection accounts. That leaves the my1963 card which is being operated by Safaricom,  Kenya's largest mobile network operator, and COOPERATIVE bank's M-Nauli card, both these cards are NFC enabled. Safaricom has twenty million subscribers and operates the market leader mobile money service, Safaricom is not about to let go of this opportunity in the transport industry, which is worth a whooping 200 billion shillings annually. Equity through Google sent its 700,000 Bebapay holders this message on February 14th. 'Dear customer, the Bebapay service will be discontinued on 15th March 2015. You can either replace your card with the new Equity prepaid MasterCard for free, finish your card balance by March 15th or get a refund by March 28'

there has been a massive activation drive by both Equity and KCB to get as many customers as possible to use their cards. The National Transport and Safety Authority had announced last week as the deadline for Cash transport. However , most of the cards transactions failed and the deadline was pushed to a later date.

Massive Safaricom network outage affects thosands of Subscribers

There was a massive network downtime affecting Kinoo, Karen, langata and parts of NCBD that started at around 6 am in the morning to about 7.30 am in the morning. Safaricom subscribers that were affected were locked out completely in terms of communication. Calls, sms, data and most importantly mobile money was completely unavailable. When we contacted the customer service desk we were told that engineers were working round the clock to sort out the issue. It  is not exactly clear what caused the early morning outage but this could have been more serious had it affected a larger area.

 

List of Safaricom Paybill Numbers

Safaricom paybill has of late become the darling of many consumers who need to pay their bills at the comfort of their seats. Many a times you find yourself in a fix when you want to pay your DSTV bill when the merchant disconnects you just when you are watching an interesting game. Or perhaps when you are watching the game and power goes off. Mobile payment has become the preferred choice to millions of users who pay their bills using Lipa na Mpesa via a variety of merchants paybill numbers. Just incase you did not know your merchants paybill number, below is a list of 981 paybill numbers that are currently in use.

AMACO Ltd-545400

Amref Flying Doctors-900101

Bank of Africa Kenya Ltd- 807800

Barclays Bank K LTD- 303031

Baringo Teachers SACCO- 545500

BAUS OPTICAL- 338050

Beautiful Beginnings Paybill- 600222

Beiersdorf East Africa Ltd.- 300222

Belgravia Services Limited- 944400

British American Insurance Co.- 541400

British American Insurance Co. Ltd- 541401

Cannon Assurance Ltd- 501801

CFC Life Assurance Limited- 201201

CfC Life Insurance via CfC Stanbic- 300246

CFC Stanbic Bank- 600100

CFC Stanbic Fin Serv Via CFC Stanbic Bank Bulk- 300218

CfC STANBIC to MPESA Retail- 300248

Chandaria Industries Limited- 916301

Chase Bank Bulk Payment 2- 513400

Chase Bank Bulk Payment- 300111

Child Fund Kenya- 806300

Children of God- 552804

Consolidated Bank LTD- 508401

Consumer Insight Ltd- 944800

Co-op Bank Corporate Bulk Payment- 400202

Co-operative Insurance Company- 600115

Deacons Kenya Ltd- 311850

Deans- 969401

Deka Plantations Limited- 932401

Deloitte Ltd- 936150

Delta Guards Ltd- 530400

Delta Hotel Ltd- 964601

Depth of Africa Safaris- 969101

Dialup Communications- 995200

Digital Age Institute Ltd.- 543210

Digital Divide Data Ltd- 803400

Dimension Data Cash Offer- 522539

Dubai Bank Kenya Ltd- 306251

Dyer & Blair Investment Bank Ltd- 905201

Dynamics-Era Sln- 912301

East Africa Energy Ltd- 942501

East African Canvas Co. Ltd- 997601

East African Data Handlers- 957900

East African Seed Co.- 958701

East African Society of Investment Professionals- 540400

Family Bank Ltd Pesa Pap- 222112

Family Bank Pesa Pap- 222111

FAULU KENYA DTM LIMITED- 328585

Fina Bank Ltd- 910201

Finnlemm SACCO Society- 528400

First & First Capital International- 529400

First Community Bank Limited- 919701

ICEA LION ASSET MGMT- 974201

JamiiBora Bank- 529901

Jhpiego- 987201

Jinsing Enterprise Ltd- 952250

JIPANGE KUSAVE- 557222

Jitegemea Credit Scheme Ltd- 889201

JIWEZE DEVELOPMENT LIMITED- 914811

Jubilee Insurance Company- 328101

Jungle Macs- 998700

Jupiter Guest Resort Limited- 943201

Jupiter Pharmacy Limited- 948701

Kabere Gold Mining- 552802

KAFUNAPASA TRADING CO. LTD- 509400

Kakuyuni Rural Sacco ltd- 887401

Kalpataru Power Transmission Ltd- 802500

Kanisa Sacco Limited- 914151

KAPUTEIDEV LTD- 325850

Karebe Gold Mining- 943300

Karen Community Church- 545900

Kariki Limited- 998150

Kaskazi Network Limited- 830200

Kawsar Auto Spares Ltd- 899601

KBS-Bulk Payment- 930401

KCB- 501900

KCB Dividends Payment No 1- 522535

KCB M-BENKI- 501901

KCS-Win- 997300

KEEF- 514100

KEEF Githunguri- 514102

KEEF Rongai- 514105

KEMRI- 802100

Kenapen Industries Ltd- 923601

Kendy Money Transfer- 552811

KENGEN DIVIDENDS- 895116

KENGEN MPESA- 929510

Kenital Solar Ltd- 803201

KenolKobil Dividend Payments- 870800

Kenswitch Limited- 517912

KENVASHA INVESTMENTS LTD- 984410

Kenya Agricultural Commodity Exchange Ltd.- 505500

Kenya Federation of Master Builder- 979401

Kenya Fresh Produce Exporters Ltd- 905310

Kenya Human Rights Commission- 546100

KPLC- 88888

KPLC PREPAID- 888880

Kenya Kazi Services Ltd- 528201

Kenya Medical Association SACCO Ltd- 540901

Kenya National Library Service- 897201

Kenya Red Cross Society- 10000

Kenya Red Cross Society Bulk AC- 505700

KENYA SOCIETY FOR THE MENTALLY HANDICAPPED- 600300

KENYA STATIONERS LTD- 934701

Kericho Youth Centre-Bulk Payment- 974551

KETEPA Tea Packers Limited- 337800

Kewisco Sacco- 902251

Kiamumbi Multi-Purpose Sacco Ltd- 333250

Kibo Slopes Safaris Ltd- 515600

Kicheche Camp Limited- 956101

Kickstart International Inc.- 503901

Kikosi Ltd- 911811

Kimisitu Sacco Limited- 911201

KINAMBOLO FARMERS C.B.O- 972710

Kinangop Wind Park Ltd via CFC- 300288

KINDE ENGINEERING WORKS LTD- 340150

Kipkelion Dairy Plant Ltd- 514900

Kipsigis Teachers Sacco Ltd- 982101

KISIMA MINISTRY NON-GOVERNMENTAL ORGANIZATION- 308351

Kiva Microfunds- 890300

Kiva Microfunds Acc- 890301

KK Securities- 552807

KMET- 320950

KNEC- 807500

KNEC via CFC Stanbic- 300211

Komaza Kenya- 924701

Kontel Ltd- 530700

Kopa-Solar- 557223

Kopesha-Kodi 2- 519605

Kopo Kopo Merchant Settlement- 840103

Kopo Kopo M-PESA Settlement- 840101

KPLC CO- 888890

KPLC COAST- 888892

KPLC ELDORET- 888897

KPLC KISUMU- 888894

KPLC NAIROBI- 888891

KPLC NAKURU- 888893

KPLC NYERI- 888895

KPLC Payment Reversal- 888889

KPLC THIKA- 888896

KTI Eldoret- 918903

KTI kericho- 918902

KTI Mombasa- 918904

KTI Nairobi- 918901

KUL GRAPHICS LTD- 330251

KUSCCO LTD- 988201

KWFT M-PESA Float Account- 101218

La Pieve Limited- 979451

LAGOON DEVELOPMENT LIMITED- 914010

LAINI KIELELEZO WOMEN GROUP- 970510

Lamu Technologies Limited- 925501

Langata Hospital Limited- 305351

Lanon Enterprises Ltd- 909840

Law Society of Kenya- 546300

Laxmi Booksellers LTD- 580201

LAZA MANGO TRADERS- 970210

Learning & Testing Services of East Africa- 882700

Legorn Feeds International Ltd- 891400

Lelan Highlands Dairies Limited- 912701

LETS GO TRAVEL- 111888

Lindberg Holidays & Safaris Ltd- 926601

Lion Guardians Ltd- 918400

Lions Capital Ltd- 946301

Lipa Na M-Pesa- 985750

Lipisha Payments- 961701

Lipua Mamilioni Promotion- 722003

Liverpool Sch Med via CFC- 300268

Living with Lions Limited- 546600

Livingstone Registrars Limited- 522300

Lolomarik Farm- 316351

Lompasago Co-operative Society Ltd- 917801

Longhorn Kenya Limited- 502900

Luck Africa Co. Ltd- 907851

M.P.C. Sacco- 804400

Maasai Kajiado Women Dairy Co-operative Society Ltd- 972950

Macadamia Fans Kenya Ltd- 911501

MACE FOODS LTD.- 200900

MADISON INSURANCE CO. LTD- 600801

Magadi Sacco Ltd- 811101

Magnate Ventures LTD- 553100

Maisha Bora Sacco- 600109

MAJENGO GUBAIDA CIG COMMUNITY BASED ORGANIZATION- 970010

Makie Investment Ltd- 965101

M-KOPA- 333233

Malken Housing Ltd- 908950

Mambo Microsystems Limited- 911601

MANAGEMENT SCIENCES FOR HEALTH INC.- 325950

Manpower Networks LTD- 801700

Mansoft Ltd- 904701

Mapendo International- 860900

MARA FARMING- 329750

Marania Ltd- 316350

Marie Stopes Kenya-Bulk Payment- 983951

Marmanet Farmers Co-operative Society- 907501

Maroon Commandos Communication- 997950

Maryland Global Initiatives Corporation- 912810

Massive Dynamic Ltd- 500001

Mastermind Tobacco K Ltd- 976910

Mau Flora Ltd via CFC- 300270

M-Banking Chase Bank- 552810

Med Mobile Limited- 308301

Mediacorp Limited- 100800

Medicare Access Limited- 891501

Melvin Marsh International- 984051

Mercy Corps via CFC Stanbic- 300217

Mercy-USA for Aid&Development- 957300

Meridian Securities Limited- 200700

Meru Central Farmers SACCO- 520100

Methodist Sacco Ltd- 891601

Metro Consultants & Guardian Ltd.- 432432

Metro Logistics- 976250

Metropolitan Teachers Sacco- 944601

MFARM- 967700

MHealth Wallet Pilot Project- 333204

MiCard- 516604

MiCard Account- 516605

Micro Mobile Ltd- 987301

Micro-Africa Ltd- 502201

Midcom Ltd- 971200

MIH Internet East Africa Ltd B2C- 511300

Milango Financial Services- 801900

Mildmay International Kenya- 979500

Millward Brown via CFC Stanbic- 300264

MILLWARDBROWN E.A LTD- 326700

M-KESHO- 311405

M-KESHO Closed.- 31140

M-KESHO Project- 427127

M-KOPA- 333223

Mobi Changa- 891301

Mobifin Plus via Chase- 552822

Mobi-Kopa 2- 519603

Mobile Decisioning Africa Ltd- 998650

Mobile Financial Solutions Ltd- 955401

MOBILE MONEY TECHNOLOGY- 547800

Mobile Payment Solutions- 911610

Mobile Payment Solutions Ltd- 951802

Mobile Planet Limited- 504200

MOBILE PLANET LTD- 504201

Mobile Value Added Solutions Limited- 951801

Mobile World Kenya- 938101

MOBILE ZONE WIRELESS LIMITED- 850701

Mobipay Kenya Ltd- 545200

Modern Coast Courier Limited- 525601

MOI Educational Centre Limited- 911301

Moi Educational centre Ltd- 911300/1

Molyn Credit Limited- 529300

Mombasa Air Safari Limited- 899401

Mombasa Yacht Club B2C- 900151

Mono Strategic Ltd via Chase- 552824

Moran Publishers Limited- 912501

Mosh Systems B2C- 908651

Mosica Housing Sacco Limited- 908126

Mosmarts Ltd- 323250

Mothers 2 Mothers- 300267

M-PAYER- 531301

MPEPEA- 527800

M-Pesa Airtime Reversal- 316764

M-Pesa Core API Intiator Test- 317366

M-PESA REFUND ACCOUNT- 1160

Multichoice Kenya-444900

M-Shwari- 262626

M-Shwari B2C- 975150

M-survey Limited- 886301

MTRH RSPO- 507600

Multi Media Mobile Ltd- 908000

Multi Media via KCB- 501902

Multidime Solutions Limited- 982551

Multimedia University- 300241

Mumias Sugar Company Ltd- 980700

Mumiflora Ltd- 962900

Musiara Limited- 549300

Muthaiga Country Club.- 902801

Mwiki GoodHope- 970601

NACICO Sacco Limited- 914051

Naciwasco Savings and Credit Co-operative- 946701

Nafaka Sacco Limited- 920101

Nairobi Bottlers Ltd MPesa Account- 331450

Nairobi Water and Sewerages-444400

Nairobi Club Bulk- 555101

Nairobi Serena Hotels Ltd- 521400

Nanchang Foreign Engineering Company (Kenya) Limited- 909910

Nas Airport Limited- 886400

Nas Airport services Ltd- 886440

Nas Plastics Ltd- 921400

Nation Media Group- 500101

Nation Newspaper Merchandise- 500102

National Bank Bulk Payment- 547701

NationHela- 516603

Nature Kenya the EANHS- 100301

Nature Systems Via CFC Stanbic- 300265

NBK Dividend Payment- 547702

NCCK Bulk Payments- 519901

NCCK Central Region- 519903

NCCK Coast Region- 519908

NCCK Lower Eastern- 519905

NCCK Nairobi Region- 519902

NCCK North Rift Region- 519907

NCCK Nyanza Region- 519910

NCCK Rift Region- 519906

NCCK Upper Eastern- 519904

NCCK Western Region- 519909

Ndege Chai SACCO Ltd.- 637637

Ndosha SACCO- 520600

Neo Marketing- 981600

Neo Marketing Ltd via CFC Stanbic- 300249

Netlink Business Services Ltd- 908150

New KCC via CFC- 300214

New Milimani Sacco Limited- 937701

Nexus Logistics Limited- 912710

Ngao Credit Ltd- 932901

Ngao Credit Ltd CBD Account- 932903

NHIF Sacco- 521100

Nic Bank-Bulk Payments- 445991

NIC MPESA B2C ACCOUNT- 445995

NIC MPESA B2C ACCOUNT II- 488519

Nila Pharmaceuticals Ltd- 926401

Nimar Ltd- 955500

Nineteen Twenties Safari Camps- 524700

Niscof Sacco Ltd- 968701

Niti Distributors Limited- 949201

Niti Technologies Limted- 949301

NMG Dividends via C&R- 515200

NORTHLINE- 326750

Northscope- 962400

Nuru International Kenya- 522200

Nyadwe Insurance Brokers Ltd- 692394

Nyala Sacco Society Ltd- 961901

Nyando Sacco Ltd- 946901

Nyati Sacco Ltd- 906101

Nzoia Sugar Company- 552809

Octagon Insurance Brokers Ltd- 808700

Octagon Pension Services Limited- 916601

Octagon Pension Services via CFC- 551500

ODM- 985901

ODM-Managed Payroll- 985903

Okoa Management- 312100

Ol Pejeta Ranching Ltd- 964551

Old Mutual Mobile Services- 600502

Old Mutual Services via CFC Stanbic- 300271

Oldonyo Laro Estate Ltd- 973751

OLSA- 300100

Omega Electrical Co.Ltd- 807700

Omni Ventures Ltd- 311700

Omnivoltaic Africa Ltd- 968911

OMO- 512404

One Acre- 840712

One Acre Fund 2- 840713

One Acre Fund 3- 840714

Onfon Media- 932601

Opes Africa Ltd- 969700

Opinion Kenya Advertisers- 994501

Opportunity Kenya Limited- 502700

Orion East Africa Limited- 528800

Oserian Development Limited- 978751

Osho Chemical Industries Ltd.- 504500

Oxfam- 501500

Paddy Micro Investment Ltd- 519600

Palacina Development Ltd- 953900

Pambazuka Distributors Ltd- 900025

Pan Africa Life Bulk Account- 120121

Panari Enterprises Limited- 987750

Pannar Seed Kenya via CfC Stanbic Bank- 300205

Panocal International Ltd- 804600

Paradigm (K) L3C- 543601

Paramount Universal Bank Limited- 907951

Parapet Limited- 543700

Pathfinder International Coast- 523300

Pathfinder International Nairobi- 523200

Pathfinder International North Eastern- 524600

PAVE AFRICA LIMITED- 309650

Paygate Gateway Ltd- 929301

PCEA Sacco Ltd- 922201

PEMCO Agencies Ltd- 943400

PendaPay- 938301

PEP Intermedius Limited- 840200

Permaculture Research Inst.- 905801

Pesa Pata 2- 519602

PESA YA CHAKULA KUTOKA KWA E.C. KUPITIA WFP na COOPI- 300213

PesaMob Bulk Payments- 222168

PesaPal B2C- 220113

PesaPal Ltd- 220112

PesaPal Tuma- 220114

Pesaplus- 551901

Pesapoint- 903120

Pesapoint Limited Cash in Account- 555556

Pesapoint Ltd Cash in A/C- 555557

PESHMAC INVESTMENTS LIMITED- 320250

Petty Errands Limited- 897401

Pevans EA Ltd- 962300

Pioneer Assurance Company Ltd.- 100500

PJ Petroleum Equipment Limited- 969211

Plan International Kisumu via CFC Stanbic- 300278

Plan International via CFC Stanbic- 300274

Platinum Credit Limited- 810901

Platinum Credit Ltd- 810900

Platinum Credit Private Lending- 810904

POA PAY- 552805

Polucon Services Kenya Ltd- 903301

Polyphase Systems Limited- 300400

Population Services International- 513600

POPULATION SERVICES KENYA- 513601

Post Office Savings Bank Bulk Payment- 200998

PREMIER KENYA LIMITED- 334700

Pride Inn Hotels & Invest. Ltd- 904501

Prime Bank Limited- 982800

Primefuels Kenya Ltd- 971850

Private Safaris ( East Africa) Limited- 532400

Private Safaris Ltd-MSA- 532401

Proctor & Allan Limited- 979651

Progressive Credit Ltd- 922901

Property Reality Ltd- 913951

PSM Pharmaceuticals Limited- 925401

Purecircle-Bulk Payment- 988801

Pyrethrum Board of Kenya- 809500

PZ Cussons East Africa Ltd- 969310

R9 B2C Business- 555333

Radio Africa Limited- 966105

Raerex East Africa Ltd- 928410

Rafiki DTM Limited- 802201

RAFODE LTD- 892201

Ragos Trading- 991800

Rainlex Investment- 987551

RAM Hospital- 920601

Rapid Communication via Chase- 552820

RAYS- 221190

Real Impact For Sustainable Growth- 923301

Red Cross Society Bulk A/C- 57000

Redstar International Ltd- 997150

Registered Trustees Kenya Episcopal Conference- 560705

REMU DTM- 953301

Rent a Fine Car ltd- 982151

Repelectric Kenya Limited- 971651

Research Triangle Institute- 929410

Rhino Ark-Kenya Charitable Trust- 952101

Riara Group of Schools- 805700/1

Riara Group of Schools- 805700/1

Riara Schools- 805701

Riara universityB- 805703

RICHOT - GET RICHA PROMOTION- 170204

Ridgewood Venture- 907801

Rift Valley Railways (Kenya) Limited- 548500

RISK LINK AGENCY LIMITED- 984210

Riva Petroleum Dealers Limited- 949501

Rossman Limited (Mwiki Goodhope Academy)- 970600/1

Roy Hauliers Ltd- 895800

Royal Media Services Ltd- 515500

RTI International- 929411

Rubi Ranch via CFC Stanbic Bank- 300284

Rununu Payments Ltd- 910410

Rymer Holdings Ltd- 979750

S C Kenya Pension- 300225

Sacco Fresh Ltd- 977710

Samchi Credit- 991501

Samdamte Water Services Ltd- 910101

Sameer Div via C&R Group- 515201

SAMSUNG CUSTOMER SERVICE- 320450

San Power Portland- 350350

Sanergy Ltd- 947101

Sanyati Ltd- 965200

Sarakasi Trust-B2C- 943701

SasaAfrica Ltd- 956500

Satellite Limited- 650650

Save The Children International Kenya- 900850

SBO Research Ltd- 907640

SBU via CFC Stanbic- 300285

Screen Media Limited- 908075

Scroll & Priest (K) Ltd- 889500

Sea Harvest Ltd via CFC- 300228

Seaways- 904151

SEEA- 316500

Selcom Paypoint-Bulk payment- 994801

Select Management Services Limited- 929600

Select Management Services Ltd- 929601

Select Management Services via CFC Stanbic- 300223

Serena Beach Hotel & Spa- 521403

Sevone Holdings Ltd- 909401

Shekhawat Engineering Works Ltd- 311450

Shimo Limited- 528300

Sibed Transport Company Ltd- 886700

SIC Dividends- 199197

Signature Tours and Travel Limited- 994401

Sikulanet Comm. Ltd- 980301

Silver Holdings Ltd- 894401

SIM KENYA VIA CFC STANBIC- 300282

Siraji Sacco Ltd- 982300

Sisdo Limited- 580901

Sky Healthcare Ltd- 947401

Smart Applications International Limited- 907301

Smart Solutions Africa- 981500

Smartserve Capital Ltd- 806601

Smect Consultants via CFC- 300287

SMEP - AKIBA- 777003

SMEP - DDA- 777001

SMEP Bulk Payment- 777005

SMEP-Hazina Plus- 777004

Solaraid- 904102

Solaraid Kenya- 913500

Solarworks E.A. Ltd- 901225

Solataa Ltd- 943801

SOTICO SACCO- 510500

Speed Capital Ltd- 806901

Spero Holdings Limited- 906051

Spin Knit Ltd via CFC- 300273

Stantech Motors Ltd- 917901

Starlight Savers Investment- 973200

Startegic Pursuits- 954100

Steadcon Ltd via CFC- 300229

Straight Security Services Limited- 891201

Strategy and Innovation Department- 921325

Sumac DTM Ltd- 984801

Sun Africa Hotels Ltd- 926910

SUNGREEN COMPANY LIMITED- 322251

Sunland Insurance Brokers Limited- 902901

Sunny Processor Limited via CfC Stanbic Bank- 300216

SunnyMoney- 913501

Superior Mwitha Company Ltd- 968711

Sweet Title Ltd- 947601

Swivel Marketing Ltd- 968600

Synovate Kenya Limited- 887700

Talent Works & Rights Enforcements- 917601

Tamarind Management Limited- 501401

Tamimi Kenya Ltd- 898700

Tanykina Dairy Plant- 970901

TAPWAK B2C- 958201

Tellele- 961702

Tellem Ltd- 881500

Terrasol Kenya ltd via CfC Stanbic- 300206

Tescom SACCO- 513800

Test SFC Paybill- 754321

TestSFC Biller1- 215204

Testsfc Biller2- 215207

Testsfc Biller4- 215209

Testsfc Biller6- 215011

The Banana Box Ltd- 932201

The Children of God Relief Institute- 961801

THE GUINNESS FOOTBALL CHALLENGE PROMOTION- 170200

The Safari & Conservation Company- 960801

The Safari Collection Ltd- 910726

The Standard Group Payment Account- 505602

The State Law Office- 945051

Thika Coffee Mills- 300209

Tianshi Health Products- 969501

TIBU- 958800

Times U SACCO Society- 542400

TIMIZA NA M-PESA- 333333

TML ACCESS CLUB PROGRAM- 170202

TNA- 991300

TNS Research International Limited via CFC Stanbic- 533300

TNS RMS E.A Ltd- 987850

Torch Sacco Ltd- 916330

Toshiba Max Ltd- 540600

Total Security Surveillance LTD- 806100

Tower Sacco Ltd- 506900

TPS (Kenya) Limited Payroll Office- 521401

TPS Serena via CFC- 300269

Tracom Services Limited- 974951

Trade 4 All Ltd- 928110

Trans-kenya Women Sacco Ltd- 948101

Transnational Bank- 862862

Travelstart Kenya Ltd- 921601

TRIDENT INSURANCE COMPANY LTD- 985852

Trident Plumbers Limited- 985401

Trony East Africa Limited- 906801

Trusted Pocket Money Kenya LTD- 981410

TSH via Afya Card- 519505

Tusker Project Fame Watch And Win- 170201

Txteagle Inc- 445618

U & I MICROFINANCE LTD- 509900

UAP Insurance Company- 505800

UAP Life Assurance Limited- 505001

UBA Kenya Bank LTD- 559901

Ufanisi Sacco Ltd- 979151

Ukulima Sacco Society Limited- 953401

Ultravetis E. A. Ltd- 954301

UMOJAPAY-B2C- 200352

UN SACCO- 528700

Unga Employee Sacco Ltd- 991600

UNIFILTERS KENYA LIMITED- 310950

Unispan Limited- 953101

Unisystem Africa Ltd- 973800

Unity Capital Limited- 960901

UNOPS KEOC ACCOUNT 2- 990701

UNOPS-KEOC- 990700

UOKOAJI Sacco Limited- 884401

Ushuru Sacco Limited- 892801

UWEZO- 504600

Vemma Kenya Limited- 955201

Vestergaard Frandsen EA Ltd- 969410

Vestergaard Frandsen Group S.A via CFC Stanbic- 600104

Veterinaires Sans Franteries Germany VSF- 893700

VFX Financial- 300230

Western Union- 444444

World Vision Kenya- 916340          ZUKU-320320          STARTIMES- 585858 Some of the paybill numbers with a lot of transactions are M-kopa, KPLC DSTV and Nairobi water. M-KOPA which provides the rural poor with solar electricity which they later pay in instalments using MPESA has over 130,000 customer presently.