M-Pesa top-up

Topping up the wallet uses M-Pesa STK push — the dialog on your phone where you confirm the payment with your M-Pesa PIN. No card details, no manual paybill numbers.

Steps

1. Family → Top up wallet.
2. Pick a bundle:
   • 10 tokens — KES 100 · 10 days for 1 child
   • 30 tokens — KES 300 · 1 month for 1 child
   • 60 tokens — KES 600 · 1 month for 2 children
   • 100 tokens — KES 1,000 · best for big families
3. Confirm the M-Pesa phone the charge will run on (defaults to your registered number).
4. Tap Send M-Pesa Prompt.
5. Your phone gets an STK prompt. Enter your M-Pesa PIN.
6. The wallet updates within 60 seconds.

Receipts

• M-Pesa sends you an SMS with the transaction code.
• Keybaki sends an in-app notification (and a push alert if you've enabled push).
• Your claimed children are notified too — the top-up shows on their Family Tokens card the moment it confirms.

Premium switches on with the payment

Premium is wallet-driven: the moment the payment confirms, every child in your family is on Premium — locked subjects open right away, no second step. The dialog says as much: "After payment, Premium switches on automatically for all your children."

Pricing

• 1 token = KES 10. Flat rate, no volume discount (yet).
• No expiry. Tokens never disappear on their own — only the daily Premium draw (1 token per child past their trial) debits them.
• No refund for partial days. The daily draw happens at midnight EAT; there are no mid-day partial debits or refunds.

Failed top-ups

If the STK push times out or you cancel:

• The wallet doesn't change.
• M-Pesa doesn't charge.
• You can retry immediately from Family.

If the STK push fails (network error mid-flow):

• The wallet stays unchanged; a reconciliation job re-checks pending payments every few minutes.
• If M-Pesa actually charged you but tokens didn't credit, the reconciliation job credits them automatically.

Common issues

• STK didn't arrive. The phone number on your account doesn't have M-Pesa, or M-Pesa is briefly down. Verify the number in Profile; try again in a few minutes.
• Charged but no tokens. Wait 60 seconds. Then email hello@keybaki.com with the M-Pesa code — we resolve within 24 hours.