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What is Lipa Na M-PESA

Loosely translated to ‘Pay with M-PESA’ (mobile money service). The service has two components, Paybill and Buy goods.

Pay Bill is for remote payments and the customer does not have to be present whilst paying.  The customer has an official relationship with the organization to whom they are making payment and has an “account number” that helps identify the user. The customer inputs a business number (paybill number) for the entity they are paying.

Buy goods and services is mostly for retail purchase of goods and services. Both parties immediately confirm these proximity payments via text message. No relationship between the buyer and the organization or account number is required.