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What is MPESA Global Pay and how does it work ?

VISA and telco Safaricom have finally revealed the long-awaited, much-hyped virtual card that will allow Safaricom users to pay for goods and services from worldwide companies.

According to techweez

This is part of the M-PESA GlobalPay offering, which the new partnership has been given a new identity. It’s not to be confused with M-PESA Global, which has been around for over a decade.

Users can use the former to pay for things that they couldn’t get with an M-PESA-affiliated product, whereas the latter lets customers to send money to each other in dozens of countries outside of Kenya.

So How Does Mpesa Global pay work  ?

This is a virtual card powered by VISA in conjunction with Safaricom, as the name implies. Although it is not a physical card, it will function in the same way as any other VISA card you have previously used.

This implies you can use it to send foreign payments – international payments, not local money. This means that VISA merchants who process payments outside of Kenya will be able to accept payments via the virtual card. Those who work in Kenya and process their payments here, such as Jumia, should be aware that some e-cab apps and restaurant ordering apps will not work, so keep that in mind. Furthermore, Lipa already encourages local shopping.


First and foremost, you must use the M-PESA app, Safaricom’s super app that has since been downloaded more than 5 million times. This is not available on mySafaricom app, for this and many other reasons, there has been a case for keeping both apps.

Once you have the app, all you need to do is hit the Grow button on the bottom right.

On the Discover More section, tap GlobalPay. It might also be displayed just above the page as a banner.

Afterwards, the GlobalPay tool will open as a mini app (these are the small programs that are part of the M-PESA app and offer additional services such as booking for a bus, et al, instead of downloading the individual apps for those services).

You will be asked to opt in.

The next step will ask you to customize your virtual card. There are four nice colours (black, blue, red, and purple), but if you want more, you can even add an image to the card. There are five preset images, which are basically the big five animals – and is probably why the function was held at Nanyuki’s Ol Pejeta Conservancy.

Lastly, you will confirm the process and your card will be ready.

During the set-up process, you will see a bunch of flash messages (that show up on your screen without being saved to your phone) just for confirmation purposes. This has been done for security reasons.

On the home page, you will see some buttons, such as one that hides your card details, and another one that allows you to set a budget. You can even suspend the app just from the home page.

ALTERNATIVELY, you can access the same service by dialing *334#, then choose Lipa na M-PESA, then GlobalPay.

Amounts to be loaded

The same M-PESA limits will apply to the card. This means that the minimum amount you can transact is KES 110, whereas the maximum is KES 150K.

You daily transactions will be capped at KES 300K.

This is also where we mention that Fuliza cannot be used to complete international transactions using the virtual card.

How much will transactions cost you?

This is an interesting question that we also wanted to know.

VISA/Safaricom will not charge you for your online purchases.

Nevertheless, Forex charges will be applied. Safaricom will charge you a fee of 3.5 percent in Forex exchange markup based on the prevailing exchange rate from KES to the currency at the time of the transaction. This markup is the usual foreign exchange difference, and Safaricom says that it is cheaper than most banks. What you see on the cost calculator is what you get, as this is the rate inclusive of the markup.

CVV (Card Verification Value)

If you have used VISA card or any other payment processor online, you must have been asked to enter the CVV code of your card. It is the three-digit number at the back of your card, which is also used to show merchants that you are the real owner of that card to stop cases of fraud.

The GlobalPay virtual VISA card will use the CVV too, but it will only be valid for 30 minutes.

This will prevent anyone who has your card details from using your card because they may have to generate another CVV. – said Safaricom in a statement.


A lot of people have been asking why Safaricom has never released a card of these capabilities before, but it seems that the operator listened, and sought the expertise and reach of VISA to see the product come to life.

It makes a lot of sense for the unbanked or those that want to pay for international services using their M-PESA wallet. A major issue has always been Netflix, which, after launching in the country a couple of years ago, still doesn’t accept M-PESA payments such as the likes of Showmax or even Spotify.

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Kenyan Lady Shot By Armed THUG After Giving A Wrong MPESA PIN in Fear

Life would probably have been normal for a young lady by the name Jane Mwangi but one sad ordeal led her to be paralyzed after a thug shot her for giving out a wrong MPESA pin out of fear.

jane hospital

Jane had just started her career in journalism after graduating with a Masters degree in communication from the Communication University of China in Beijing. On this fateful day she was not reporting but was actually coming from church when she met this armed robber that changed her life.

“I had just alighted from a matatu and was walking home at about 7.30pm. I was talking to a friend as we headed to my gate. Out of the darkness, a young, bearded man stood in front of us, blocking our way. He looked nervous, but demanded for our valuables.

I gave him what I had in my hands: a Huawei mobile phone. He quickly went to the M-pesa app and started fidgeting with it. With him distracted, my friend managed to get away, leaving me at the mercy of the thug. He demanded for my PIN to access the cash. Too frightened to think straight, I mumbled some numbers. He put the pin and when he could not access the money, whipped out a gun and in a split second, fired it through my chest. Everything happened so fast. The pain was unbearable and I started losing consciousness. I could not scream as loud but kept begging him to spare my life. He ran off into the darkness,” Reports the Star. 

“The bullet hit my right shoulder and went through my back. It was trapped by my sweater where it hang until the doctors saw it. I fell on my back. I could hear sounds far away but did not make much sense of them. I was repeating the Mpesa pin as if the assailant was still there. The gunshot reverberated through my neighbourhood, attracting attention. The first person to respond was my immediate neighbour. I could hear her desperation as she exclaimed, “They shot Jane!” She started shouting for help. My parents came very fast, and got me to a nearby hospital which referred me to Kenyatta National Hospital.”


“However, it was at Coptic Hospital where I was admitted the same night. The doctors worked hard and fast to control the bleeding. The next day, I went through hours of surgery. The doctors informed me that the bullet missed my spine by only a millimetre. It however destroyed nerves in the area, leaving my whole body without feeling. I was coming to terms with the events of the previous night when the surgeons came to my bed side.

They told me as calmly as they could, that I may never walk again, since the bullet grazed nerves on my thoracic spinal cord area. I could not feel the lower section of my body, so I could as well assume I won’t walk for a while. But never walk again? The news left me dumbfounded.”


I would undergo painful physiotherapy sessions every day at the hospital. But I was determined to get my whole life back. After some weeks of treatment, I was discharged.  I have no control of my bowels so I use a catheter. My mother has to clean me up as well as do everything else for me. Everything. Would you imagine being washed by your mom at 30 years?

I also needed a special orthopaedic mattress that cost Sh80,000. A good Samaritan offered the mattress for free.  I could not turn myself in bed, or even sit up without assistance. This left me with bed sores, some so severe that I have been in and out of hospital for treatment.  The life of loneliness, being bed ridden and house-bound, began.  Out of empathy, my friends raised funds to get me a wheelchair. I had to learn how to operate it to get me around.  

Having a catheter inserted in the body to pass urine is another whole world of learning. I am more prone to urinary tract infections now and must take medications to clear them. We were not prepared for this when I was discharged from hospital, and it has taken its toll on me.

That was the good news. However, the treatment was only available abroad, he said, because no Kenyan hospital has the ability to treat me beyond what I have received so far. My friends have taken to searching for a hospital that can offer rehabilitative treatment to help me.  We have been in communication with a hospital in Texas, USA.

They have gone through my medical records and have responded.  They quoted a treatment regime that can help me regain control of my bowel movement, and get me off the catheter.  For that, I need at least Sh10 million ($100,000). That would be followed by more rehabilitative treatment to help me regain use of my lower body.


Jane’s family have now spent a total of 1 Million shillings to help her recover but she needs more money to cover her bill. If you can assist please use the numbers below.

Equity Bank Acc no. 1450164274483, under the name Jane Mwangi Medical Fund.

Alternatively, send anything on Mpesa paybill 596018, in the name of Jane Medical Fund.

SOURCE : The Star



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What Happens To MPESA Money After A Person Dies ? : Safaricom Reveals

After numerous questions were asked by Safaricom users on what happens to MPESA money after a subscriber dies, Safaricom has now revealed on the procedure to be followed to claim the money.

MPesa-mobile-banking post

For M-PESA accounts having more than Kshs. 30,000
Copy of the Death Certificate
Copy of ID of Next of Kin
Grant of probate; where an M-PESA subscriber dies and has written a will
Letters of Administration; where a person dies without a will.
For M-PESA accounts having less than Kshs. 30,000
Affidavit administered by a Commissioner for Oaths and sworn by the claimant
Death Certificate (Burial permit will NOT be accepted).
Letter from Provincial Administration of the deceased’s area of residence or letters of administration
Next of Kin’s ID and copy to be retained.
However in cases of dispute, the next of kin will be required to provide Letters of administrations or grant of probate.

In instances where the funds are not claimed by the customers’ next of kin we are required to submit these funds to the Unclaimed Financial Assets Authority (UFAA). The funds submitted to the UFAA are those that have been dormant for a period of two years either due to inactivity on the M-PESA Account or where a customer is deceased and the funds have not been claimed by the next of kin.
Where funds have been submitted to the UFAA the next of kin can still claim them from the UFAA by filing a claim with them. The next of kin will be required to provide certain documentation as will be advised by the UFAA.

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Was Your Money Withdrawn ? : Safaricom To Handover A Total of 500 Million Which Is Unclaimed On MPESA Deposits

Safaricom is set to hand over Ksh500 million to the Unclaimed Financial Assets Authority (UFAA). The money is from idle deposits in its popular mobile money platform M-Pesa held in phone lines that have been inactive for more than two years, BUSINESS DAILY reports.
MPesa-mobile-banking post

“M-Pesa deposits are about Sh500 million but we are still computing airtime balances and uncollected share dividends,” said Safaricom chief executive Bob Collymore. The list of contributors to Safaricom’s unclaimed assets cash pile includes money left in lost phone lines that have not been replaced and those belonging to people who have left the country.

Safaricom is handing over the money in compliance with the unclaimed assets law which requires companies, banks and utility agencies to surrender any assets that have been lying idle in their possession for periods defined by the law.

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