To stop automatic (Social Health Authority) SHA auto deductions from your M-Pesa account, you must manage your M-Pesa Ratiba (standing orders). These deductions occur without a PIN prompt if you activated the “Lipa SHA Pole Pole” or similar subscription during registration.

Step-by-Step Guide: How to Stop SHA Auto Deductions

Method 1: Using USSD Code (Recommended)

This is the fastest way to cancel the SHA auto deductions standing order without needing data or the M-Pesa App.

1. Dial *334# on your phone.
2. Select Option 9: M-PESA Ratiba.
3. Choose Option 2: Manage Standing Order.
4. View your active subscriptions and locate the SHA/Social Health Authority entry.
5. Select the Delete or Cancel option to stop future automatic payments.

Method 2: Using the M-Pesa Super App

If you prefer a visual interface, you can manage these “digital direct debits” through the app.

1. Open the Safaricom M-Pesa Super App.
2. Navigate to the Services or Transact tab.
3. Search for or select the M-PESA Ratiba Mini-App.
4. Go to “My Subscriptions” to see authorized automatic payments.
5. Select the SHA subscription and choose Delete or Pause.

Important Tips 

• The “PIN-less” Mystery: Many users are confused about why money leaves their account without a PIN. Clarify in your article that the PIN was only required for the initial setup; subsequent payments are processed by the “Ratiba” robot automatically.
• Voluntary vs. Mandatory: While contributions are mandatory for access to services, the automatic deduction method is voluntary. Users can still pay manually using Paybill 200222 with their National ID as the account number.
• Prevention: When registering via *147#, users should decline the prompt for “Lipa SHA Pole Pole” if they do not want automated deductions

FAQ: Managing Your SHA Payments

Q1: If I stop the auto-deduction, does it mean I am no longer a member of SHA?

A: No. You are still registered with the Social Health Authority. Stopping the auto-deduction only stops the M-Pesa Ratiba (standing order) from taking your money automatically. You will simply need to make your payments manually.

Q2: How do I pay manually once I’ve cancelled the standing order?

A: You can pay whenever you are ready by using:

• Paybill: 200222
• Account Number: Your National ID Number
• Amount: KSh 300 (for self-employed/voluntary) or your calculated 2.75% rate.

Q3: Why did it start deducting without my permission?

A: During the registration process on *147# or the SHA website, there is a prompt asking if you want to “Lipa Pole Pole” or “Automate your contributions.” If you accepted this, you unintentionally authorized Safaricom to process these payments on behalf of SHA.

Q4: Will I be fined if I stop the auto-payments?

A: There is no fine for stopping the automation, but you must ensure you pay by the 9th of every month to avoid penalties for late contributions, just like the old NHIF system.

Q5: I deleted the Ratiba but money was still taken. Why?

A: Check if you have multiple standing orders. Sometimes, during a failed registration attempt, two “Ratiba” instances are created. Repeat the steps in Method 1 to ensure the list is completely empty.