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M-PESA For NGOs
What is available in M-PESA? Cash In Cash Out Over 31,000 agent outlets countrywide Person 2 Person Transfer KShs. 1.1 trillion transferred since launch (Sept 2010) 20M trx per month totaling over Ks. 50B Airtime Top-Up Flexi value anywhere you are Bill Payment Over 700 Pay Bill Partners ATM Withdrawals 24/7 access Over 700 ATM’s connected countrywide Social/Salary Payments Over 200 bulk payment Partnerships Partnerships with Oxfam, Concern worldwide and other NGO’s
Why would an NGO use M-PESA? Payment of relief funds to beneficiaries Deposit funds directly Payment of salaries and allowances to field staff Send funds directly Use the M-PESA I&M VISA card to send funds of up to Ks. 500,000 Cash In Cash Out Services Over 30,000 agent outlets countrywide All leading Banks Over 700 ATMs are connected to M-PESA Receiving donations M-PESA paybill accounts allows the organization to receive funds 500,000 trx valued at Ks. 150M raised via M-PESA “Kenya for Kenyan’s” campaign Poverty eradication M-PESA can be used as a savings tool to assist beneficiaries store their funds safely
M-PESA PAYBILL An organization can use the PAYBILL service to receive funds directly to their M-PESA accounts.
This is a service that allows registered M-PESA users to make donations through their M-PESA enabled Safaricom lines.
Benefits of the Paybill Service
Customer convenience
Real time collections – records updated in seconds
Cost reduction – Reduced staff & other admin costs
Better resource utilization
Low cash risk
Integration of the M-PESA system with the
business’ payment systems
Compatibility to handle large volumes
Bulk Payment Processing
How does the money move from Cash into Electronic money to a recipient’s mobile phone?
The organization will deposit money into the M-PESA holding account
The E-money will be made available to the organization via their M-PESA bulk payment account
The organization will then load the amounts and mobile phone numbers to be paid.
The recipients will receive e-money directly into their mobile phones.
The organization fills in the amount and telephone numbers of the beneficiaries on provided template (csv format)
Bulk Payment Processing
The recipients access cash through M-PESA agents or ATM partners
X-DQ117 Confirmed
You have received Ks 500
from 300100 THE FUND on
13/07/11 at 16.00 PM. New
M-PESA Balance is Ks1475
Bulk Payment Reporting The business can monitor amounts sent online and can also have this report in either PDF or Excel
M-PESA Agent Outlets Cash In Cash Out Services Over 31,486 agent outlets countrywide. In the North eastern Province, there are over 350 agent outlets while there are over 200 agent outlets in upper rift .
M-PESA Benefits FACT •Only 21% of Kenyans have bank accounts • 87% have access to a mobile phone • The gap is only widening
Benefits to Recipients
Fast – Instant notification
Safe - PIN
Affordable
Convenient - over 31,000 agents
Don’t need bank a/c (free to register)
Gives beneficiary Benefits to the Organization
Convenience for the company and recipient
Speed of disbursements
− automated system of updating records
Reduced cost e.g. staff costs, banking costs
Better resource utilization
Lower risks of fraud and/or theft
Economic empowerment of the business community around the aid area
Challenges faced
1. Network coverage
2. Mobile phone penetration
3. Literacy levels
4. M-PESA agency network
5. M-PESA registration of beneficiaries without
national IDs
6. Ensuring funds reach the intended
recipient/accountability