How to Set Up M-Pesa Ratiba

M-Pesa Ratiba is a Safaricom service that allows users to set up automatic, recurring payments or reminders for regular transactions directly from their M-Pesa wallets. This eliminates the need to manually initiate payments each time a bill, subscription, or transfer is due.

Key Features of M-Pesa Ratiba

• Automatic Payments: Users can set up “standing orders” for payments such as rent, utility bills, school fees, or sending money to family, which are processed automatically on a set schedule (daily, weekly, monthly, or yearly) without needing a PIN for each transaction.
• Payment Reminders: The M-Pesa App also offers a “My Reminder” function, which notifies the user when a payment is due, allowing them to initiate the transaction manually.
• Flexibility and Control: Users can manage, pause, or cancel their standing orders or reminders at any time through the M-Pesa App or by dialing *334#.
• No Penalties for Insufficient Funds: If an automatic payment fails due to an insufficient M-Pesa balance, no penalty is incurred, but the transaction will not go through. The service does not use Fuliza for these payments.
• Accessibility: The service is available to all M-Pesa registered customers and can be accessed via the M-Pesa App and the USSD code *334#.

You can use M-Pesa Ratiba to set up automatic, recurring payments for various transactions like bills, rent, and sending money to family, either through the M-Pesa app or the

*334# USSD menu.

How to set up M-Pesa ratiba Via USSD Code *334# 

1. Dial * 334# on your Safaricom line.
2. Select the “M-Pesa Ratiba/Standing Order” option (usually option 9).
3. Choose “Standing Order Opt In” to accept the terms and conditions and register for the service using your M-Pesa PIN.
4. Once registered, navigate back to the “M-Pesa Ratiba” menu and select “Create a Standing Order”.
5. Select the type of transaction (e.g., Pay Bill, Buy Goods, Send Money).
6. Enter the recipient’s details (mobile number, business number, etc.), amount (maximum is KES 250,000), start date, and end date.
7. Select the frequency (daily, weekly, monthly, or yearly).
8. Review all details and enter your M-Pesa PIN to confirm the setup.

How to set up M-Pesa ratiba Via M-Pesa App

1. Open the M-Pesa App on your smartphone.
2. Access the M-Pesa Ratiba service, typically found under the “Subscriptions” or “Financial Services” section.
3. Follow the in-app prompts to register and accept the terms and conditions if it is your first time using the service.
4. Select the option to create a new standing order and choose the transaction type.
5. Input the necessary payment details, schedule the payment frequency and duration, and authenticate with your M-Pesa PIN.

Once set up, the payments will be automatically deducted from your account on the scheduled dates without requiring your PIN for each transaction. You can manage, pause, or revoke standing orders anytime through the same menus. For more details, you can visit the official Safaricom website.