Introducing the New Push STK Feature for M-Pesa

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M-Pesa is a mobile money service that was launched by Vodafone for Safaricom in 2007. It offers users the chance to deposit, withdraw, and transfer money using their mobile phones. Many people use M-Pesa to give money to friends and family, pay for goods and services, and pay their bills.

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In a world where mobile phones are being used all the time, mobile money services like the ones provided by M-Pesa are increasingly popular. M-Pesa began operation in Kenya, quickly expanding to offer services in Tanzania, Afghanistan, South Africa, India, and even Eastern Europe by 2014.

Recently, a new and innovative Push STK feature for M-Pesa was introduced, which will prove beneficial to both merchants and customers alike. This feature enables a faster and smoother transaction process.

How does Push STK work?

Once a merchant has set themselves up to use Push STK, they can simply push mobile money transaction details to the customer’s phone. In other words, the merchant can initiate the M-Pesa transaction on the customer’s behalf. The customer doesn’t need to enter the merchant’s information, or any other transaction details at all.

After the transaction has been initiated, the customer receives a push notification. Then, the customer enters their M-Pesa pin and presses ‘OK’. The transaction is now completed, and a real-time payment confirmation will be sent.

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  • Option 1 - Customer on the payment page
    • As a merchant, you have the option to send your customer a secure payment link through an email transaction or the DumaPay. Once your customer lands on the payment page, they have the option to pay with any mode of payment, preferably mpesa to enjoy the new push stk technology.
      • They simply select mobile money
      • Select mpesa option
      • Enter their phone number and click pay
    • They’ll receive a push prompt on their phone with all the transaction details, all they have to do is input their pin to complete the payment.
  • Option 2 - Customer on your website
    • Your customers can book and pay directly from your website if you have integrated with our payment solution. Once they select what they want to purchase and check out, they’ll land in our secure payment page to make payment.
      • They simply select mobile money
      • Select mpesa option
      • Enter their phone number and click pay
    • They’ll receive a push prompt on their phone with all the transaction details, all they have to do is input their pin to complete the payment.
  • Option 3 - Charging your customer directly
    • If you want to charge your customers in person, you can use the Direct Pay virtual terminal or the duma pay app.
      • Simply create the transaction (either in the system or app)
      • Selected the mobile money option and ask your customer for their phone number and click on charge
      • Your customer will receive a push prompt on their phone to complete the payment.
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What are the benefits of Push STK?

The benefits of Push STK make it one of the best innovations in the world of mobile money:

  • Simplicity

The transaction process becomes much easier with Push STK. Instead of a complicated transaction process, the customer only has to press one button.

  • Security

The Push STK feature ensures maximum security, as details are pushed to the customer’s phone securely.

  • Real-time functionality

Transactions take place instantly, with no waiting time while details are entered.

  • Minimizes errors

As the customer does not need enter any payment details to make a payment manually, there is no room for transaction errors. All the details are sent automatically from one party to the other.

  • Saves money

By using M-Pesa’s new Push STK feature, merchants save up to 30% on all M-Pesa payment transaction fees.

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If you are a merchant looking to save time and money, all while providing your customers with a smooth and quick payment process, start using M-Pesa’s Push STK feature, today.

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