A few more examples. Scenario 1 is easy and and more of a small business scenario scenario 2 is complex, more of a corporate use case for PesaPal. <div><br></div><div>Most of you pay your rent by depositing cash in your landlord's bank account. </div>
<div><br></div><div>The landlord may decide to start accepting payments by M-Pesa/Airtel Money/Orange Money/Yu Cash/Tangaza. This can be done by you sending the money directly to their phone. But if the landlord owned a number of 6 floor flats in Pipeline, meaning they potentially have hundreds of tenants. </div>
<div><br></div><div>Tracking payments and reconciling the payments from each M-Pesa message will be quite a task, with errors. Again, they may not have an M-Pesa Pay Bill numbers, which means that naughty tenants can M-Pesa him then call Safaricom and reverse the transactions as erroneous. (Though this can be avoided by withdrawing or transferring the money, or moving it to M-Shwari immediately)</div>
<div><br></div><div>It will be easy for the landlord to use PesaPal and have the tenants make their payments through the system. From it, he can have a list at each end of day of who has paid and who hasn't, and what amount they paid. </div>
<div><br></div><div>The challenge here is that PesaPal charges a fee that most landlords might not be willing to foot, something Liko can tackle by having tenants pay for the service, since it's more convenient for them. </div>
<div><br></div><div>Scenario 2</div><div><br></div><div>DSTv accepts cash payments and even processes cards, if you go pay at their outlets. However, some find it quite a task and postpone their payments for a few days. It doesn't look like much, until you discover that postponing your DSTv payments by 3 days every month sees you paying for less than 11 months of DSTv every year. </div>
<div><br></div><div>To increase their revenue, DSTv makes it convenient for you to pay your bill from your sitting room, using your phone or credit or debit card. DSTv, being an enterprise, already have a Client Relationship Manager which tracks your payments and activates what you have paid for. This means that they do not need an employee to switch off your decoder every month when you don't pay and to switch it on when you do, it's automatic. </div>
<div><br></div><div>To maintain their automated operation, they'll need a system that sends a message to their CRM when you pay. The CRM should know when you pay in full, or halfway. Enter PesaPal, which has an Application Programming Interface (API). An API enables 2 systems to talk to each other and thus enabling their integration. </div>
<div><br></div><div>Now, you'll just pay your bill via M-pesa(and the others) to PesaPal, and the DSTv system will immediately process that and reflect that in your service, without any human intervention (ideally)</div>