Add money common questions and answers

What is ‘Add Money’?

‘Add Money’ allows you to deposit funds into your Kopo Kopo account. You might want to use "Add Money" for several reasons, such as:

• Your till balance is low, and you need to make business payments.
• You want to quickly repay your loan.
• You want to request a payment from customers easily.

What options are available to Add Money?

• Paybill
• Bank deposit
• Sending a payment request to a Safaricom phone number (M-PESA STK Push)

How can I check my Paybill account number?

Your Paybill account number is the same as your till number. If you do not have a till number, we will guide you through the process of creating one.

How long does it take for funds to reflect in my account?

Payments made through M-PESA STK Push and Paybill are processed instantly. Bank payments, however, will reflect in your account within 2 days.

Do I need a till number to Add Money to my account?

You do not need a till number to add money to your account. Whether you have a till number or not, you can still deposit funds into your Kopo Kopo account using Paybill, bank transfer, or by sending a payment request via M-PESA STK Push.

What are the charges for adding money?

Transaction amount (KSh)	Charges
Less than 200	0
Greater than 200 and less than 36,365	0.55% of the transaction amount
Greater than 36,365	Flat fee of KSh 200

For Paybill, please note that your customers will incur a fee based on the Safaricom Paybill “Business Bouquet” Tariff Schedule.

Are there any scenarios where STK Push might not be available?

Yes, there might be instances where STK Push is unavailable due to downtime. In such cases, we will notify you so that you can use Paybill as an alternative or accept payments directly to your till number. If the issue persists, please get in touch with our support team by calling or starting a WhatsApp chat at 0709376000 or emailing [e-mail].

Why do I need to create an account before using STK Push?

Creating an account allows us to set up a unique account for your STK payments. The payments you receive through STK Push will go directly into this account, becoming part of your available balance. You can choose to send funds from this specific account when making business payments.

What should I do if there is a delay in payments reflecting in my account?

If there is a delay, please get in touch with our support team by calling or starting a WhatsApp chat at 0709376000 or emailing [e-mail].

Will I be informed once my transfer is processed?

We will notify you once your bank transfer has been processed and reflected in your account.