Step 1: Payment is required

A registered PesaPal Merchant creates one of the following entry points for making a payment:

  • a website that has integrated PesaPal
  • an invoice issued from the Merchant’s PesaPal account
  • listing on PesaPal’s bill payments, or schoolpay page
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Step 2: A purchase is made

A buyer makes a payment using mobile money, credit card, or PesaPal wallet. It is possible for buyers to initiate a payment from their handset, without the need for Internet access, using a unique PesaPal reference.


Step 3: Payment reflects to the merchant

The payment amount is held in a trust account at the bank. What does this mean? PesaPal does not have access to the money. A withdrawal request from a merchant is required for the money to be transferred from the trust account to the merchant’s bank account.


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Step 4: Notifications sent

Notifications are sent to the Merchant and the Buyer with a summary of the transaction and the payment status. PesaPal has 24/7 customer service in case of any queries.


Step 5: Status is updated

Both the buyer and merchant can track all transactions and payment statuses by logging in to their account. PesaPal offers up to the cent accuracy when processing payments. Any unmatched amount is available to the user in their PesaPal credit balance.


Step 6: Product/service delivered

The buyer receives the product/service they paid for. PesaPal provides dispute resolution mechanisms and supports payment reversal in case of any issues.


Step 7: Payment settled

The merchant issues a withdrawal request by logging into their PesaPal account. PesaPal issues a settlement request to the bank and the money is deposited into the merchant’s bank account.


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