What is M-PESA App and Why You Need It
M-PESA is a mobile money service that allows you to send and receive money, pay bills, buy goods and services, withdraw cash and more using your mobile phone. It is available in several countries across Africa, Asia and Europe, but it is most popular in Kenya, where it was launched by Safaricom in 2007.
M-PESA App is a new and improved version of M-PESA that gives you a superior user experience when you use M-PESA on your smartphone. It allows you to do more on M-PESA fast and conveniently, with just a few taps on your screen. You can view and manage your financials easily with the new features that are now available on the app.
In this article, we will show you the features and benefits of M-PESA App, how to download and use it, and answer some frequently asked questions about it. By the end of this article, you will see why you need M-PESA App in your life.
Features and Benefits of M-PESA App
M-PESA App has many features that make it easier, faster and more secure for you to use M-PESA on your smartphone. Here are some of them:
Core M-PESA transactions
With M-PESA App, you can access all core M-PESA transactions with a brand new and more simplified user interface. You can send money, buy goods, pay bills, withdraw at agent and buy airtime with ease. You can also view your balance, transaction history and contacts on the app.
Offline mode
One of the best features of M-PESA App is that you can log in and transact on the app without an active data connection. This means that you can use the app without data bundles or with data turned off completely. You can still send money, buy goods, withdraw cash and buy air time with the offline mode. The app will sync your transactions once you have a data connection again.
My Spend
My Spend is a feature that helps you track your M-PESA spend per month and view transactions by category. You can see how much you have spent on sending money, buying goods, paying bills, withdrawing cash and buying airtime. You can also see how much you have received from others and how much you have saved on M-PESA. This feature helps you to manage your finances better and plan your budget accordingly.
Statement
With M-PESA App, you can review, interact and action your entire M-PESA statement directly on the app. You can view your statement for up to 12 months, filter it by date, category or amount, search for specific transactions, download it as a PDF file or share it via email or WhatsApp. You can also reverse transactions, request for refunds, dispute charges and contact customer care from the app.
Receipts
M-PESA App also allows you to download and share e-receipts for your transactions. You can access your receipts from the statement section or from the transaction details page. You can save them on your phone or share them with others via email, WhatsApp or other apps. E-receipts are convenient and eco-friendly, as they reduce paper usage and clutter.
Biometric authentication
Another feature that makes M-PESA App more secure is the biometric authentication option. You can log in and transact on the app using face or fingerprint authentication, instead of entering your PIN every time. This makes it faster and easier for you to access the app, and also protects you from unauthorized access or fraud.
Pochi la Biashara
Pochi la Biashara is a feature that allows you to send money to the business wallet for micro merchants. This is a separate wallet that keeps your business money separate from your personal money. You can also receive money from customers to your business wallet without paying any transaction fees. This feature helps you to grow your business and keep track of your income and expenses.
Favourites
Favourites is a feature that allows you to save people or businesses you interact with regularly on the app. You can add them to your favourites list by tapping on the star icon next to their name or number. You can also edit or delete them from the list anytime. Favourites makes it easier for you to find and transact with your preferred contacts without having to search for them every time.
Frequents
Frequents is a feature that gives you an automatically generated list of people or businesses you frequently send money to. The app learns from your transaction history and suggests the most relevant contacts for you. You can also view their profile pictures and transaction details on the app. Frequents saves you time and hassle when sending money to your regular contacts.
M-PESA Global
M-PESA Global is a feature that allows you to send money internationally to mobile, bank, western union, PayPal and roaming pick up. You can send money to over 200 countries and territories using M-PESA Global, with competitive rates and fast delivery times. You can also receive money from abroad directly to your M-PESA account using this feature.
Due Bills
Due Bills is a feature that gives you notifications for your bills when they become due and allows you to pay them directly from the app. You can link your bills from various service providers such as electricity, water, TV, internet, insurance and more to the app. You can also view your bill history, reminders and payment status on the app.
Buy bundles
Buy bundles is a feature that allows you to buy Safaricom data, voice and SMS bundles and pay directly on the app using M-PESA. You can choose from various bundle options such as daily, weekly, monthly or all in one bundles. You can also check your bundle balance, expiry date and usage history on the app.
Send money with gifs/description
Send money with gifs/description is a feature that allows you to add context when sending money by adding a payment description or attaching a gif for the recipient. You can choose from a variety of gifs that suit different occasions such as birthday, thank you, congratulations, sorry and more. You can also type in a custom message for the recipient. This feature makes sending money more fun and personal.
Send money with profile picture
Send money with profile picture is a feature that allows you to upload a profile picture that will be visible when someone sends you money via the app. You can choose a picture from your gallery or take a selfie with the app. You can also edit or change your picture anytime. This feature helps you to identify and verify the sender or recipient of the money.
How to Download and Use M-PESA App
Downloading and using M-PESA App is easy and simple. Here are the steps you need to follow:
- Go to Google Play Store or App Store on your smartphone and search for M-PESA App. Alternatively, you can use this link for Android devices and this link for iOS devices.
- Download and install the app on your phone. Make sure you have enough storage space and a stable internet connection.
- Open the app and enter your Safaricom phone number. You will receive a verification code via SMS. Enter the code on the app to verify your number.
- Create a PIN for the app. This is different from your M-PESA PIN and it will be used to log in and transact on the app. You can also enable biometric authentication if your phone supports it.
- Accept the terms and conditions and complete the registration process. You will receive a confirmation message on the app and via SMS.
- You can now start using M-PESA App to access all the features and benefits we have discussed above. You can also access mini apps from various partners such as KCB, NCBA, Uber, Bolt, Little, Jumia, Glovo and more on the app.
- To scan QR codes, tap on the scan icon on the home screen of the app and point your camera at the QR code. You can scan QR codes to pay for goods and services at various outlets that accept M-PESA.
- To generate and share your own personal QR code, tap on the QR icon on the home screen of the app and select generate QR code. You can share your QR code with others via email, WhatsApp or other apps. You can also print it out and display it at your business premises. Others can scan your QR code to send you money easily.
Conclusion and FAQs
M-PESA App is a must-have app for anyone who uses M-PESA on their smartphone. It offers you a better way to manage your money, pay for goods and services, send money locally and internationally, track your spending, access mini apps and more. It is fast, convenient, secure and fun to use.
If you have not downloaded M-PESA App yet, what are you waiting for? Download it today from Google Play Store or App Store and enjoy all the benefits it has to offer. You will not regret it.
Here are some FAQs about M-PESA App that you might find useful:
Q: How much does it cost to use M-PESA App?
A: M-PESA App is free to download and use. However, you will be charged normal M-PESA transaction fees when you send money, withdraw cash, buy goods or pay bills using the app. You will also need data bundles or Wi-Fi to download and update the app, but you can use it offline once installed.
Q: Can I use M-PESA App on more than one device?
A: No, you can only use M-PESA App on one device at a time. If you try to log in on another device, you will be logged out from the previous device automatically.
Q: What if I forget my PIN or want to change it?
A: If you forget your PIN or want to change it, you can tap on the forgot PIN option on the login screen of the app and follow the instructions. You will need to enter your phone number, verification code and new PIN. You can also change your PIN from the settings menu of the app.
Q: How secure is M-PESA App?
A: M-PESA App is very secure as it uses encryption, biometric authentication, PIN protection and other security measures to protect your account and transactions. However, you should also take precautions such as keeping your PIN secret, logging out when not using the app, avoiding phishing links or messages and reporting any suspicious activity to Safaricom customer care.
Q: How can I get help or give feedback about M-PESA App?
A: If you need help or want to give feedback about M-PESA App, you can contact Safaricom customer care through various channels such as phone (100), email (mobileoffice@safaricom.co.ke), social media (Facebook, Twitter) or live chat on the app. You can also rate and review the app on Google Play Store or App Store and share your experience with others.
bc1a9a207d
المشاركات