Transparent contribution charges, service terms and withdrawal policy.
Wallet Yetu is a WhatsApp-based digital treasurer designed to help groups collect, identify, track and reconcile contributions for events, chamas, welfare activities, fundraisers and community initiatives.
The table below is the proposed standard public tariff. The Safaricom column reflects the published M-PESA PayBill Business Bouquet customer charge. The Wallet Yetu column is the separate Wallet Yetu convenience/service fee.
| Contribution | Safaricom Paybill Charges | Wallet Yetu Fee | Group Receives |
|---|---|---|---|
| 1–20 | 0 | 0 | 100% |
| 21–100 | 0 | 1 | 100% |
| 101–250 | 5 | 2 | 100% |
| 251–500 | 5 | 3 | 100% |
| 501–1,000 | 10 | 5 | 100% |
| 1,001–1,500 | 15 | 10 | 100% |
| 1,501–2,500 | 20 | 15 | 100% |
| 2,501–3,500 | 25 | 20 | 100% |
| 3,501–5,000 | 34 | 25 | 100% |
| 5,001–7,500 | 42 | 30 | 100% |
| 7,501–10,000 | 48 | 35 | 100% |
| 10,001–15,000 | 57 | 40 | 100% |
| 15,001–20,000 | 62 | 45 | 100% |
| 20,001–25,000 | 67 | 50 | 100% |
| 25,001–30,000 | 72 | 55 | 100% |
| 30,001–35,000 | 83 | 60 | 100% |
| 35,001–40,000 | 99 | 65 | 100% |
| 40,001–45,000 | 103 | 70 | 100% |
| 45,001–50,000 | 108 | 75 | 100% |
| 50,001–70,000 | 108 | 80 | 100% |
| 70,001–100,000 | 108 | 85 | 100% |
| 100,001–150,000 | 108 | 90 | 100% |
| 150,001–250,000 | 108 | 95 | 100% |
| Contribution | Safaricom | Wallet Yetu | Total Payable | Group Credit |
|---|---|---|---|---|
| 20 | 0 | 0 | 20 | 20 |
| 100 | 0 | 1 | 101 | 100 |
| 1,000 | 10 | 5 | 1,015 | 1,000 |
| 5,000 | 34 | 25 | 5,059 | 5,000 |
| 10,000 | 48 | 35 | 10,083 | 10,000 |
| 25,000 | 67 | 50 | 25,117 | 25,000 |
| 30,000 | 72 | 55 | 30,127 | 30,000 |
| 50,000 | 108 | 75 | 50,183 | 50,000 |
| 100,000 | 108 | 85 | 100,193 | 100,000 |
| 150,000 | 108 | 90 | 150,198 | 150,000 |
| 250,000 | 108 | 95 | 250,203 | 250,000 |
“Wallet Yetu does not deduct a separate withdrawal fee from your group collection under the standard product. Your contribution balance is recorded at 100% of the contribution amount.”
By creating, joining, contributing to, or otherwise using a Wallet Yetu collection, you agree to these Terms & Conditions. If you do not agree, do not use the service.
Wallet Yetu provides digital treasury and collection-management functionality through WhatsApp and associated web interfaces. The service helps groups collect, identify, track, reconcile and communicate contributions. Wallet Yetu is not responsible for the underlying purpose or legitimacy of a fundraising activity created by an organiser.
The person who creates or controls a collection is responsible for:
Wallet Yetu may suspend a collection where there is a reasonable concern about fraud, misuse, unlawful activity, security or compliance.
The contributor is responsible for the applicable Safaricom M-PESA PayBill transaction charge and the Wallet Yetu service fee displayed before payment confirmation.
Safaricom charges are imposed by the payment network and are not Wallet Yetu revenue. Wallet Yetu may revise its own service fee with notice.
Wallet Yetu does not charge the organiser a separate Wallet Yetu withdrawal fee under the standard product. However, applicable payment-network, banking, regulatory, tax or other third-party charges may change and may be reflected in the amount or withdrawal method where required. The applicable withdrawal terms displayed at the time of withdrawal will govern.
A contribution is considered received by Wallet Yetu when the payment provider confirms the transaction and the transaction is successfully matched to the relevant collection. Pending, failed, reversed or disputed transactions are not treated as final contributions.
Where a contribution is reversed by the payment provider, the group ledger may be adjusted accordingly. Requests for voluntary refunds are subject to the collection's purpose, organiser authorisation, applicable payment-provider rules and Wallet Yetu's operational procedures. Third-party payment charges may not be refundable.
Only an authorised organiser/administrator may initiate a withdrawal through the Wallet Yetu process. Wallet Yetu may require verification, additional authentication or supporting information before releasing funds.
Withdrawal processing times may vary depending on the payment provider, account status, system availability and security checks.
Transaction, collection and withdrawal limits are subject to Safaricom/M-PESA limits, Wallet Yetu controls, applicable law and the limits of the relevant payment account. Wallet Yetu may reject or delay a transaction that exceeds an applicable limit.
Wallet Yetu aims to provide continuous service but does not guarantee uninterrupted availability. The service may be temporarily unavailable because of maintenance, network failures, WhatsApp outages, Safaricom/M-PESA outages, internet failures, security events or circumstances outside Wallet Yetu's reasonable control.
Wallet Yetu must not be used for:
Wallet Yetu may suspend or terminate access where necessary.
Wallet Yetu may maintain transaction records, contribution histories, timestamps, references and audit information to provide the service, support reconciliation, investigate disputes, comply with legal obligations and improve security.
Wallet Yetu may process personal information necessary to operate the service, including contributor names, phone numbers, transaction references and collection information. Personal data will be handled in accordance with applicable Kenyan data-protection requirements and our Privacy Policy.
Wallet Yetu relies on third-party services including WhatsApp and M-PESA/Safaricom payment infrastructure. Wallet Yetu is not responsible for third-party outages, delays, tariff changes or failures beyond its reasonable control. Third-party terms may also apply.
Wallet Yetu may update tariffs, service features or these Terms & Conditions where reasonably necessary, including following changes in payment-provider costs, technology, law or business operations. The updated version published on the website will state its effective date.
To the extent permitted by law, Wallet Yetu is not liable for losses caused by incorrect information supplied by a user or organiser, unauthorised use of a user's device or credentials, third-party network failures, payment-provider delays, or unlawful conduct by a collection organiser or contributor.
Users should first contact Wallet Yetu through the official support channels published on the website. Where a dispute concerns an M-PESA transaction, Wallet Yetu may require the relevant M-PESA transaction reference and may work with the payment provider to investigate.
These Terms are intended to operate under the laws of Kenya, subject to any mandatory consumer-protection, data-protection, payment-services or other legal requirements that apply.
At checkout, Wallet Yetu will display the contribution amount, the applicable M-PESA transaction charge (where supplied by the payment flow), the Wallet Yetu service fee, and the total amount payable before the contributor confirms payment. Contributors should review these details before authorising the M-PESA transaction.
The M-PESA PayBill component in this document is based on Safaricom's published PayBill Standard Tariff, Business Bouquet. Safaricom states that under Business Bouquet there is no charge to the business and the customer bears the applicable PayBill charge. Safaricom also publishes separate B2C tariffs for outbound payments. Wallet Yetu's own service fee is separate from these Safaricom charges.
Safaricom's Daraja 3.0 documentation describes Daraja as the platform providing access to Safaricom/M-PESA APIs for payment integrations. The exact commercial arrangement applicable to Wallet Yetu remains subject to Wallet Yetu's specific Safaricom account and agreement.
If you have questions about these Terms, please contact us at: