<h2>Sending Money With M-Pesa Using SIM Toolkit (STK)</h2>
<p>The SIM Toolkit method is the most traditional way to access M-Pesa services directly from your phone's menu.</p>
<h3>Steps:</h3>
<ol>
<li>Select M-PESA</li>
<li>Send Money</li>
<li>Enter Phone No.</li>
<li>Enter Amount</li>
<li>Enter M-PESA PIN</li>
<li>You will receive a message that prompts you to confirm on the mobile number and the amount you are to send.</li>
<li>A message will pop up with Cancel or Ok. You can Cancel if you notice that the number entered is not correct or select Ok if the details are correct.</li>
<li>Another message will pop up with the name of the person you were sending money to, the amount the person will receive and the cost of the transaction.</li>
<li>You can either select 1 to Accept (if the details given are correct) or select 2 to Cancel (if you notice an error in the transaction).</li>
</ol>

<h2>Sending Money in M-Pesa Using M-Pesa Super App</h2>
<p>The M-Pesa Super App offers enhanced features and a user-friendly interface for managing your mobile money transactions.</p>
<h3>Initial Setup:</h3>
<ol>
<li>Download the M-PESA supper App from Apple store or Google play store.</li>
<li>When you sign in for the first time, you will be required to turn on your mobile data to ensure a secure log in. Thereafter, you will sign in using Wi-Fi or mobile data connection.</li>
<li>Accept the terms and conditions</li>
<li>Enter a valid M-PESA PIN for authentication</li>
<li>Register your fingerprints or facial recognition to use in authenticating the transactions (For customers whose handsets have biometric features)</li>
</ol>
<h3>Sending Money Steps:</h3>
<ol>
<li>Open the M-PESA App</li>
<li>On the home tab select send and request</li>
<li>Select send money</li>
<li>Enter phone number or select the number from your contacts</li>
<li>Enter amount</li>
<li>Complete the transaction using M-PESA PIN or biometric authentication.</li>
<li>You will receive an SMS confirmation that funds have been sent from your M-PESA Account</li>
</ol>

<h2>Sending Money with M-Pesa Using Safaricom App</h2>
<p>The Safaricom App provides access to M-Pesa services alongside other Safaricom products and services.</p>
<h3>Setup Process:</h3>
<ol>
<li>Customers will need to download the Safaricom App from Apple store or google play store</li>
<li>When you sign in for the first time, you will be required to turn on your mobile data to ensure a secure log in. Thereafter, you will sign in using Wi-Fi or mobile data connection.</li>
<li>Accept the terms and conditions</li>
<li>Enter a valid M-PESA PIN for authentication</li>
</ol>
<h3>Transaction Steps:</h3>
<ol>
<li>Launch my Safaricom app</li>
<li>Select send money</li>
<li>Enter phone number or select number from your contacts</li>
<li>Enter amount</li>
<li>You will receive a prompt message that asks if you can proceed with the PIN transaction&gt;select send</li>
<li>Complete the transaction using M-PESA PIN or biometric authentication.</li>
<li>You will receive an SMS confirmation that funds have been sent from your M-PESA Account.</li>
</ol>

<h2>Sending Money with M-Pesa Using USSD (*334#)</h2>
<p>The USSD method provides quick access to M-Pesa services without requiring internet connectivity or smartphone features.</p>
<h3>Steps:</h3>
<ol>
<li>Dial *334#</li>
<li>Select send money</li>
<li>Enter phone number</li>
<li>Enter amount</li>
<li>Enter M-PESA PIN</li>
<li>You will receive a message that prompts you to accept or cancel</li>
<li>Accept, and the transaction goes through</li>
</ol>

Send money using M-Pesa to family and friends, i.e, person-to-person transfers within Kenya.

How to Send Money with M-Pesa

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