Pay an instalment by M-Pesa

When you buy on hire purchase, layaway or credit, you can pay what is due from your phone. Kila sends an M-Pesa prompt to your phone; you enter your PIN, and the payment goes on your agreement straight away.

Before you start

• Sign in to your customer portal: see Your customer portal.
• Have the phone with your M-Pesa line at hand.

Steps

1. Tap Pay with M-Pesa

   On Home, under Next instalment, tap Pay with M-Pesa. Or open Agreements, tap the agreement and tap Pay now.

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2. Check the amount

   Kila fills in what is due next, such as “Suggested: KES 5,041.56, the next amount due.” Change it to pay less or more, up to the balance the window shows.

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   Steps 2 to 4 on one screen.

   

3. Check the phone number

   It is the phone on your account. Type another number to pay from a different M-Pesa line. Kila says, for example, “You will get a prompt on this phone. Enter your M-Pesa PIN to pay KES 500.00 to Moi Avenue.”

4. Tap Send M-Pesa prompt

   Kila sends the prompt to the phone. Until Kila’s M-Pesa connection is live, it sends none and says Prompt not sent: see What if.

5. Enter your M-Pesa PIN on your phone

   While M-Pesa answers, the portal says Waiting for M-Pesa to confirm: “Check your phone ending 678 and enter your M-Pesa PIN. We will confirm here.”

6. Read the result and tap Done

   When M-Pesa confirms, the portal says Paid. KES 500.00 received., with the M-Pesa code and your new balance: “Balance on HP-000001 is now KES …”. The payment is on the agreement under Payments, with its M-Pesa code.

What if

The portal says Prompt not sent

Kila shows:

Prompt not sent

M-Pesa prompts are not connected to Safaricom yet: Kila’s M-Pesa simulator runs only on the demo site. Ask the customer to pay to the till or paybill, then enter the M-Pesa code.

Kila’s M-Pesa connection is not live yet, so no prompt went to your phone and nothing was paid. Pay at the branch, or to the business’s till or paybill as usual.

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You cancelled the prompt on your phone

Kila shows:

The payment was cancelled on your phone

Nothing was taken. Send the prompt again when you are ready.

Tap Done, then Pay now to send a new prompt when you are ready.

You closed the window before M-Pesa answered

Tapping Close and keep waiting only closes the window: M-Pesa’s answer still reaches the business, and the payment shows on the agreement under Payments.

M-Pesa has not confirmed

Kila shows:

Not confirmed yet

M-Pesa has not confirmed this payment. If you received an M-Pesa message, it will show here once confirmed; do not pay again before checking your messages.

Check your M-Pesa messages before you pay again. If M-Pesa took the money, the payment shows on the agreement once M-Pesa confirms it.

Good to know

The prompt pays the branch that made the agreement, such as Moi Avenue. Payments you make at the branch, in cash, by M-Pesa or by bank transfer, go on the same agreement and show under Payments too.

Related

• Your customer portal: your agreements, statement and receipts.
• Book a service

Next: check the agreement’s Schedule: the instalment you paid shows what is paid and what remains.