What can I do with my M-Pesa?

How do I send money to unregistred customer?

Care enough? Help them get on the best network and if they are, tell them registering for M-Pesa is absolutely free for free and can be done on their phones. Until then though, send them cash tokens.

Step 1


Dial *111# to access My phone menu

Step 2


Select option 4

Step 3


Select option 2

Step 4


Select Option 2

Step 5


Choose option 1

Step 6


Enter the cell number of the person you wish to send token to.

Step 7


Enter Amount

Step 8


Enter payment reference

Step 9


Select option 1

Step 9


Enter 5 digit number of your choice

Step 10


Enter PIN

  • Immediately you will receive a confirmation SMS “Cash token of M**.00 created and sent to *mobile number*, available balance M**.00, cash token number ***** ( token number is 11 digit number).

  • The person whom you have sent money will also receive the SMS

* Please advise the person you have sent the token a token secret code by either SMSing or calling the person.