Co-op Bank Chapa Pay Archives

No Stress for Parents! Six easy and safe ways to pay school fees for your kids!

Posted on April 29, 2022 by Kibaki Muthamia

As learners report back to their respective institutions, parents are under pressure to set all systems right. The kids have to report back to school on time. There are several hurdles.

How do they raise the required school fees? Yet again, how do they remit the needed school fees effectively, safely and conveniently to various learning institutions?

Co-op Bank has laid down various well-oiled mechanisms to see that parents have easy access to funds to cater for their children’s shopping and school fees. In addition, parents can conveniently remit school fees for their children to various institutions across the country and cater for their upkeep while they are in school.

Co-op Bank has revamped a range of online banking solutions to ensure that parents shop and remit fees for their children as schools reopen.

Below are effective online solutions from Co-op bank that are effective and convenient for parents to ensure that they access and remit school fees for their children.

M-Pesa PayBill

To pay your child’s school fees conveniently via M-Pesa PayBill:

Go to Lipa na M-Pesa (PayBill)
Enter Business Code 400222
Enter Account Number as the School Code, next press # followed by the student number, for example, 1469#10023478989 (NB: Click hereto confirm your school’s coordinates)
Enter amount
Enter your M-Pesa PIN
Confirm transaction

Receive SMS confirming a successful transaction.

MCo-opCash

While paying for school fees via MCo-opCash:

Log into your MCo-opCash App
Select Other Payments
Select School Fees
Enter your school business number or school code/; click here to confirm your school’s coordinates
Enter the account to transact from
Enter the student number
Confirm your transaction

Receive SMS notification confirming the transaction is complete.

Co-op Internet Banking

If you have registered for Co-op internet banking, you

Log in to Co-op Internet Banking
Select ‘Bank Transfer’
Enter the school’s account and student details
Confirm the transfer
Confirm transaction and print out the receipt

PesaLink

If you’re paying school fees from your Co-op Bank account to a different bank account, you can link your bank account to access the following PesaLink services:

Co-op Kwa Jirani Agents
Co-op Bank ATMs
Co-op Bank Mobile Banking (MCo-opCash)
Different Co-op Bank branches

To gain access to PesaLink services, here is a quick guide:

– Launch the MCo-opCash App or dial *667# to access MCo-opCash from your phone

– Select PesaLink

– Link your mobile number to your Co-op Bank account

PesaLink is a free service with zero charges when linking your bank accounts.

Co-op Kwa Jirani

If you don’t have a Co-op Bank account, you can deposit your child’s school fees directly to the school account at the nearby Co-op Kwa Jirani agent. You no longer have to send your children to school with liquid cash. So be on the safe side.

Co-op Kwa Jirani services are available at your nearest local market or town.

Co-op Student’s Card

Long gone are the days of broken boxes and stolen pocket money. Your child does not need liquid cash while in school. We all know how it goes in schools; things can get nasty.

With Co-op Student’s Card, your child is issued a pre-paid Visa card that can mean a lifeline while in session. Your child can purchase goods from the school canteen via a Process Data Quickly (PDQ) machine.

In addition, you can cap a monthly or weekly limit to a specific figure as per your budget. If your child needs access to liquid cash during school breaks, they can withdraw funds from any co-operative Bank ATM or a nearby Co-op Agent.

To access a Co-op Student’s Card, visit any Co-op Bank branch with the following documents for processing:

Student’s school ID
Student’s Birth Certificate
Parents ID
Parents KRA Pin

Parents can top up their children’s Co-op Visa Cards via Co-op Kwa Jirani, Mpesa PayBill or direct transfer from their accounts.

Why risk sending your child to school with loads of cash for shopping? Students can use the Co-op Student Card to pay for their shopping as they head to school. Either way, you can pay for their shopping using your Co-op Visa Credit or Debit Card at zero cost.

School fees payment has never been much more straightforward. Are you still stuck up in the analogue era?

Huddah’s big money play that made her a Kshs millionaire

Posted on April 6, 2022April 6, 2022 by Ozymandias

Huddah Monroe is not exactly known to be a luminary in any academic field but when it comes to business, you have to sit down in awe of her acumen. She saw a niche in the market and exploited it in such a commendable way, no Kenyan since has successfully repeated her moves.

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You see, she runs a cosmetic company, started off with her “lippies” which is basically lip gloss and has now been steadily expanding it to more variety in products, recently announcing she was now selling probiotic skin tonics and beauty soaps.

And this is no mean feat for a woman who came from the bottom dregs of society, a woman who for a long time had to depend on men to pay her way through life especially after she had experienced her glow up. She was a socialite for heaven’s sake. Huddah’s story just goes to show you that you too can change your circumstances.

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And now she’s the Star Gal who found an opportunity I am willing to tell you about so that maybe you too can follow in her footsteps. Did you know that you could go to China, identify a manufacturing plant creating beauty products and actually create your own brand from their generic product?

Look it up online. Or better yet, if you’re tight for capital, Alibaba has you covered. All you have to do is identify a brand you feel is actually of good quality and then begin to engage a company to handle your branding OR have the manufacturing plant handle that too for you. And that is the route Huddah took.

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With the former video vixen slash socialite slash provocateur, she was lucky enough to have a great eye for quality so she discovered something in a sea of options and as a result, almost all Kenyan women praise her products for their quality.

And how can you too get started and get your own line of beauty cosmetics going? Well, outside of the whole razzmatazz of creating a company and registering it, Co-op Bank has a product just for you! It’s called Chapa Pay.

Co-op Bank now runs an online card payment solution to make your business thrive at no extra cost. If you conduct business on digital platforms, you can receive online card payments from your customers.

You can accept payments from any location on the globe without a check-out platform integration or website.

Co-op Bank offers online payment solutions to businesses, giving them room to expand and venture across the borders. They are providing a secure and conducive platform to conduct business.

Here is a step by guide on how the online payments solutions work:

A business owner registers with Co-op Bank to get a unique link known as Pay-By-Link, which they use to invoice their clients.
A potential customer contacts the business owner and agrees on the desired good or service pricing.
Next, the business owner will send the unique payment link to the client’s emails address.
The customer receives the unique link via email. Upon opening the email, they are directed to a portal to input their card details and process the payments.
The trader receives a notification via email and SMS with the details of the payments.
If the customer has subscribed to SMS alerts with the service provider, they receive a notification informing them of the purchase.

How Ecommerce Solutions Work for Businesses With Mobile Apps and Websites

For businesses that have adopted mobile application (APPs) and web check-out platforms, the Pay-By-Link solution optimizes their operations and efficiency by offering a payment solution that provides the following to its customers:

Reliability: Once adopted by a business, the solutions operate 24/7.
Simplicity: Pay-By-Link solutions are easy, quick, and easy to implement.
Convenience: Customers can overcome geographical limitations and purchase goods and services from any location on the globe.
Safety: Co-op Bank eCommerce solution comes with a data security standard compliant payment card that ensures customer data security and safety.
Customer experience: Customers get 24/7 support with a dedicated relationship manager on standby.

What Are the Advantages of Co-op Bank Pay-By-Link Ecommerce Solution?

Small scale traders benefit a lot from the eCommerce solution, for they level their game with established businesses that have long dominated the eCommerce sector in regional and international markets.

Here are ways how small business owners benefit from the online payment platform:

Small and established businesses do not incur costs when onboarding the Pay-By-Link online solution.
All card payments come secured with two-factor authentication via 3D security protocols. Customer data and privacy are top priorities.
Dispute resolution is simplified. If a customer pays over the actual price, the seller can initiate a reversal of the payments from his end.
The hustle and bustle of involving the bank to mediate between the buyer and seller avoided making transactions more efficient.
Businesses have a secure platform to process their payments. After making a payment, a customer cannot initiate a reversal for the purchase made. The platform protects small businesses from theft.
The platform offers an avenue for accountability. A business owner can track transactions to view and reconcile payments in real-time via a single dashboard.

As an investor, you can now enjoy the benefits of cross-border trade as you transact on a safe, reliable, and efficient platform to grow your business.

Njugush looking to become the next East African fashion mogul

Posted on March 2, 2022 by Ozymandias

Njugush and his wife Celestine Ndinda have announced that they have set up their own clothing brand called Be Knit. It was launched back in 2021 and their family features heavily in every aspect of the brand, from designing the clothes to marketing the brand.

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It is actually really cute to see them also incorporate their wee baby into the mix. But aside from that, this is actually big business as he is looking to cash in on his celebrity status but there are several things I would wish to see him do to secure his bag beyond this period in time when his star is at its zenith.

You see, Njuguna needs to understand that there are two main business strategies he can use to permeate the Kenyan market and all have different risks and rewards but ultimately his goals will determine which path he takes.

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He could potentially stick to keeping his products (which by the way are awesome) on an online store where people will have to order for themselves and he handles the delivery once the transaction is reflected on his end.

This would mean that he would have to create an online store (really a website) that he and his wife directly handle and respond to clients’ orders directly. This strategy minimizes his overheads significantly as he can run the business from the comfort of his home. So Njugush could also continue to churn out content even as he sells his clothing line.

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That would also mean that he has to handle the online marketing of the brand and engage with clients’ responses as well as seek to convert on the fence online shoppers into actual clients by living where the conversation is at.

Or he could go the more traditional route and partner with a supermarket or retailer. What this allows him to do is to sell directly to customers while they are doing their monthly or weekly grocery shopping or by marketing the brand to window shoppers.

The only thing with this approach is that Njugush and his wife would have to partner with the retail giants and they would definitely want a cut of the profits. As a result, the cost of the products would increase.

While these are the two conventional methods of selling clothing brands, he could also opt for an amalgamation of the two. Depending on his negotiating skills, he could have his clothing brand, Be Knit carried by all leading retail stores aswell as sell them directly to the clients. But with such deals, the devil is in the detail and his power to make such deals is entirely dependent on whether or not he has a silver tongue.

But that is a very good problem to have. And hopefully, he can grow his business to the point he diversifies the clothes he has on offer from sweaters to cardigans and much, much more. And if you, like Njugush are a business that is looking to establish itself online then one of the headaches you will face is payment processing of online transactions.

And Co-op Bank is here for you with a solution. You can now transact your business through Chapa Pay, an online card payment service. So whether you need to pay your vendors and suppliers of process payments from clients, this is your golden ticket.

Merchants who have built web checkout & mobile applications (APPs) and would like to enrich their applications with online card payment acceptance can now be able to do so with Chapa Pay eCommerce Solution

How you stand to benefit:

• Simplicity: The integrations models are easy and quick to implement

• Reliability: The solution once integrated to a merchant site is available 24/7

• Safety: Chapa Pay eCommerce platform is payment card industry – data security standard (PCI-DSS) compliant ensuring safety and security of customer card details

• Best customer experience and practice: Dedicated relationship management backed by 24/7 operations support.

• Most of all, create convenience to customers: overcome geographical limitations