The Bulk Payment (Business to Customer - B2C) service enables an organization to make payments/disbursem*nts from a given M-PESA shortcode to mobile phones of individuals in real-time at the click of a button e.g., Salary payments, Dividend payments, Sacco payments.

The new M-PESA platform dubbed G2 (for M-PESA 2nd generation platform) offers versatile integration capabilities that our development partners can take advantage of, to create excellent M-PESA journeys across the different industries they serve.

Does M-PESA work in the USA?

Can you send M-PESA transfers from the US? Yes . You can send money from the US to be received into an M-PESA wallet.

Is the M-PESA app safe?

M-PESA has enabled various measures to ensure that our customers and merchant are not at risk of losing their funds for one reason or the other . Some of the measures are highlighted below. As M-PESA customers, you are required to set a new PIN during activation of your M-PESA account.

How do I use M-PESA on my phone?

To send money from the M-PESA SUPPER APP customers will: Open the M-PESA App. On the home tab select send and request. Select send money. Enter phone number or select the number from your contacts. Enter amount. Complete the transaction using M-PESA PIN or biometric authentication. More items...

Why do people use M-PESA?

It also provides financial services to millions of people who have mobile phones, but do not have bank accounts, or only have limited access to banking services —with a safe, secure and affordable way to send and receive money, top-up airtime, make bill payments, receive salaries, get short-term loans and much more.

What is M-PESA payment for?

M-PESA allows users to deposit, withdraw, transfer money, pay for goods and services (Lipa na M-PESA, Swahili for "Pay with M-PESA"), access credit and savings, all with a mobile device.

What type of business is M-PESA?

M-Pesa is a virtual banking system that provides transaction services through a SIM card. Once the SIM has been inserted into the card slot of the mobile device, users can make payments and transfer money to vendors and family members with SMS messages.

How does an M-PESA work?

Customers register for the service at authorised agents - often small mobile phone stores or other retailers such as barbers, butchers, bakers, etc. - and then deposit cash in exchange for electronic money. Customers can then send money to their family or friends throughout the country.

What is a B2C payment type?

B2C payments are generally a one-time payment for a product and a smaller amount . B2C e-commerce is relatively simple: products are displayed on a website, consumer details are taken, and then payment is made on a secure checkout form with the consumers preferred payment type, such as a digital wallet.

What is the M-PESA transaction?

Safaricom. Website. www.vodafone.com/m-pesa. The service allows users to deposit money into an account stored on their cell phones, to send balances using PIN-secured SMS text messages to other users, including sellers of goods and services, and to redeem deposits for regular money.

ExPesa.Mpesa.B2c — ExPesa v0.1.1 (2024)

Business to Customer (B2C) API enables the Business or organization to pay its customers who are the end-users of its products or services. Currently, the B2C API allows the org to perform around 3 types of transactions: SalaryPayments, BusinessPayments or Promotion payments. Salary payments are used by organizations paying their employees via M-Pesa, Business Payments are normal business transactions to customers e.g. bank transfers to mobile, Promotion payments are payments made by organization carrying out promotional services e.g. betting companies paying out winnings to clients

Functions

request(params)

Initiates the Mpesa B2C .

Link to this function

View Source

Initiates the Mpesa B2C .

Configuration

Add below config to dev.exs / prod.exs files

config.exs

 config :ex_pesa, mpesa: [ cert: "", b2c: [ initiator_name: "Safaricom1", password: "Safaricom133", timeout_url: "", result_url: "", security_credential: "" ] ]

To generate security_credential, head over to https://developer.safaricom.co.ke/test_credentials, then Initiator Security Password for your environment.Alternatively, generate security credential using certificate cert - This is the M-Pesa public key certificate used to encrypt your plain password. There are 2 types of certificates.

- sandox - https://developer.safaricom.co.ke/sites/default/files/cert/cert_sandbox/cert.cer .- production - https://developer.safaricom.co.ke/sites/default/files/cert/cert_prod/cert.cer .

password - This is a plain unencrypted password. Environment

- production - set password from the organization portal.- sandbox - use your own custom password

Parameters

attrs: - a map containing:

command_id - Unique command for each transaction type, possible values are: BusinessPayBill, MerchantToMerchantTransfer, MerchantTransferFromMerchantToWorking, MerchantServicesMMFAccountTransfer, AgencyFloatAdvance.
amount - The amount being transacted.
phone_number - Phone number receiving the transaction.
remarks - Comments that are sent along with the transaction.
occassion - Optional.

Example

iex> ExPesa.Mpesa.B2c.request(%{command_id: "BusinessPayment", amount: 10500, phone_number: "254722000000", remarks: "B2C Request"}){:ok, %{ "ConversationID" => "AG_20201010_00006bd489ffcaf79e91", "OriginatorConversationID" => "27293-71728391-3", "ResponseCode" => "0", "ResponseDescription" => "Accept the service request successfully." }}

ExPesa.Mpesa.B2c — ExPesa v0.1.1 (2024)

Functions

Configuration

Parameters

Example

FAQs

What is M-PESA B2C? ›

What is the M-PESA transaction? ›