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Pesapal – How to Get Instant Loans, Make Payments and More!

Pesapal started as a payments platform in 2008 enabling customers to pay bills and shop products and services online or on their phones. In July 2023, Pesapal expanded into a loan facility.

How to Apply for a Quick Pesapal Loan

Dubbed Pesapal Credit, the company offers unsecured loans to small and medium enterprises in collaboration with Sokohela.

The short-term loans have a repayment period of up to one year and you won’t need collateral to access them.

Of course, your credit score will play a huge role in determining whether you qualify for the loan. The following are the steps to apply for a Pesapal loan:

  1. Signup – You must sign up your small business for any of the OnlinePOS or Openfloat solutions by Pesapal. On signup, the credit scoring model automatically scores and offers you a maximum loan limit.
  2. Request Loan – You can immediately request your preferred loan amount. Choose a repayment plan that suits your needs.
  3. Loan Disbursement – You will receive the instant loan which will be disbursed directly to your Pesapal Openfloat account.
  4. Loan Repayment – When ready, start to automatically repay the loan from your Pesapal transactions according to the agreed schedule.

How to Pay for Zuku Using Pesapal

a) How to pay for Zuku Using Pesapal (Mpesa option)

  1. Go to your M-pesa Menu
  2. Select Pay Bill
  3. Enter Business No. 220220
  4. Enter Account No. ZUKUXXXXX (Where XXXXX is your Zuku account number)
  5. Enter the Amount
  6. Enter your M-Pesa PIN then send

b) How to Pay for Zuku Using Pesapal (Airtel Money option)

  1. Go to the Airtel Money Menu
  2. Select Make payments
  3. Select Pay Bill then Other
  4. Under business name enter pesapal
  5. Enter Amount
  6. Enter your Airtel Money PIN
  7. Under Reference enter ZUKUXXXXX (Where XXXXX is your Zuku account number)

How to Pay for DSTV Using Pesapal

a) Pay for DSTV Using Pesapal (Mpesa option)

  1. Go to the M-pesa Menu
  2. Select Pay Bill
  3. Enter Business No. 220220
  4. Enter Account No. DSTVXXXXXXXXXXXX (Where XXXXXXXXXXXX is your 11 Digit Smartcard Number)
  5. Enter the Amount
  6. Enter your M-Pesa PIN then send

b) Pay for DSTV Using Pesapal (Airtel Money option)

  1. Go to the Airtel Money Menu
  2. Select Make payments
  3. Select Pay Bill then Other
  4. Under business name enter pesapal
  5. Enter Amount
  6. Enter your Airtel Money PIN
  7. Under Reference enter DSTVXXXXXXXXXXXX (Where XXXXXXXXXXXX is your 11 Digit Smartcard Number)

How to Pay for Faiba Jamii Telcom Using Pesapal

a) How to Pay for Faiba Using Pesapal (Mpesa option)

  1. Go to the M-pesa Menu
  2. Select Pay Bill
  3. Enter Business No. 220220
  4. Enter Account No. JTLKXXXXXX (Where XXXXXX is your JTL Account number)
  5. Enter the Amount
  6. Enter your M-Pesa PIN then send

b) How to Pay for Faiba Using Pesapal (Airtel Money option)

  1. Go to the Airtel Money Menu
  2. Select Make payments
  3. Select Pay Bill then Other
  4. Under business name enter pesapal
  5. Enter Amount
  6. Enter your Airtel Money PIN
  7. Under Reference enter JTLKXXXXXX (Where XXXXXX is your JTL Account number)

How to Pay for GoTV Using Pesapal

a) How to Pay for GoTV Using Pesapal (Mpesa option)

  1. Go to the M-pesa Menu
  2. Select Pay Bill
  3. Enter Business No. 220220
  4. Enter Account No.GOTVXXXXXX (Where XXXXXX is your GoTV Account number)
  5. Enter the Amount
  6. Enter your M-Pesa PIN then send

b) Pay for GoTV Using Pesapal (Airtel Money option)

  1. Go to the Airtel Money Menu
  2. Select Make payments
  3. Select Pay Bill then Other
  4. Under business name enter pesapal
  5. Enter Amount
  6. Enter your Airtel Money PIN
  7. Under Reference enter GOTVXXXXXX (Where XXXXXX is your GoTV Account number)

How to Buy KPLC Tokens Using Pesapal

a) How to Buy KPLC Tokens Using Pesapal ( Mpesa option)

  1. Go to your Mpesa menu and select ”Lipa na M-PESA”
  2. Select ”Pay Bill”
  3. Select ”Enter Business no” and enter 220220
  4. Select  ”Enter Account no”, enter your 11 Digit KPLC Prepaid Meter Number and then press OK
  5. Enter the amount and then press OK
  6. Enter your Mpesa PIN and press OK
  7. Confirm if all the details you have entered are correct and press OK
  8. You will receive a confirmation SMS from Mpesa for the transaction
  9. PesaPal will then send a message with a prepaid token valid for your meter.

b) How to Buy KPLC Tokens Using Pesapal ( Airtel Money option)

  1. Go to your Airtel Money Menu
  2. Select Make payments
  3. Select Pay Bill then Other
  4. Under the business name, enter Pesapal
  5. Enter Amount
  6. Enter your Airtel Money PIN
  7. Under Reference, enter PAWAXXXXXXXXXXX (Where XXXXXXXXXXX is your 11 Digit Meter Number)
  8. You will then receive a message from Pesapal with your token number. 

Pesapal Paybill Number

Pesapal paybill number is 220220 which can only be used on Safaricom Mpesa menu. For Airtel Money you have to see the above guidelines to know what to enter under business name.

In case you have any problems, just call Pesapal Customer Care Number +254 709 219 000 or send the team an email at Email: info@pesapal.com or you can reach them on X/Twitter handle @pesapalcare

Who Owns Pesapal?

Pesapal was founded in 2008 as a payments platform by Agosto Liko.

Send us tips, press releases, and publishing enquiries at theleadkenya@gmail.com.

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The Lead KE is a web communications service based in Nairobi, Kenya. We offer in depth articles and news on technology, business, travel, culture and climate. The blog mainly covers Kenya and the East African region. Send queries, press releases and tips to theleadkenya@gmail.com