Follow these simple steps to make a payment to our SACCO using M-PESA:

1. Open your M-PESA menu on your mobile phone. This can be accessed via the SIM Toolkit, Safaricom App, or by dialing *334#.
2. Select Lipa na M-PESA from the menu options.
3. Choose Pay Bill.
4. Enter the Business Number: 4077167.
5. Enter your Account Number in the format: [Your Identity Number]#[Product Key/Pay Bill Keyword].
   Example: If your ID number is 12345678, and you want to pay for share capital, input 12345678#SH.

   SAVINGS AND LOANS PRODUCT KEYS

   SAVINGS PRODUCTS	PRODUCT KEYS
   Share Capital A/C	SH
   Deposit Contribution A/C	DE
   Children Savings A/C	CS
   Holiday Savings A/C	WS
   Benevolent Fund A/C	BN
   Youth Savings A/C	YS
   Holding Account	CA

   LOAN PRODUCTS	PRODUCT KEYS
   Development Loan	DL
   Instant Loan	IL
   Emergency Loan	EL
   School Fees Loan	SL
   Asset Financing Loan	AL
   Plot Loan	PL
   Super Development Loan	SDL
   Mobile Loan	ML
   Zoghori Business Cash Loan	BCL
   Zoghori Cash Plus Loan	CPL

6. Enter the Amount you wish to pay (e.g., KSh 1,000).
7. Input your M-PESA PIN and press OK.
8. Confirm the details and press Send. You’ll receive a confirmation SMS from M-PESA once the transaction is complete.

• Ensure your Identity Number (ID NO) is correct and followed by a hash (#) and product key to avoid transaction errors.
• The Business Number 4077167 is specific to our SACCO. Double-check before sending.
• Transaction limits apply: Minimum KSh 1, Maximum KSh. (subject to M-PESA limits).
• For assistance, contact our SACCO support at support@zoghorisacco.com or call 0720 615 062/0732 615 062.

Scenario: John Doe, ID 12345678, wants to pay Deposit Savings of KSh 2,000.

• M-PESA Menu → Lipa na M-PESA → Pay Bill
• Business Number: 4077167
• Account Number: 12345678#DE
• Amount: 2015
• Enter PIN → Confirm → Send

John receives an SMS confirming payment to SACCO Business No. 4077167.