Customer Pay Bill service flow

The Customer Pay Bill service flow is very similar to the Customer Shopping Online flow with the exception that the Bill Payment reference information will need to be passed to the M-Pesa system.

Reversal service flow

If customer wants to request a refund after a successful transaction, the customer will need to discuss and agree with the Utility company. The Utility company can call the Reversal API to refund the customer.

Query service flow

Utility company can query M-Pesa to check the status of the transaction by using the Query Txn API.