Safaricom's New M-Pesa Verification Feature: Balancing Security and Convenience
In response to recent concerns, Safaricom has introduced a new M-Pesa feature that requires customers to re-enter the recipient's phone number twice during transactions. This update aims to enhance security and prevent costly mistakes, but it has sparked debate among users.
The Hakikisha feature, launched in December 2025, is designed to curb erroneous transfers, which previously led to thousands of daily reversal requests and financial losses. By requiring double confirmation, the feature builds upon the original Hakikisha service, which displayed the recipient's registered name for verification.
While some users find the extra step frustrating, others appreciate its role in preventing costly errors. One user humorously noted missing out on occasional 'wrong number' windfalls. Analysts suggest that this feature reflects Safaricom's commitment to improving transaction security without compromising the convenience of millions of M-Pesa users.
Automatic Deductions and M-Pesa Ratiba
Safaricom has also addressed concerns regarding automatic deductions without PIN prompts. User @UCollince inquired about this issue on January 12, 2026, after registering for the Lipa Mdogo Mdogo service. The company explained that such deductions occur only if users have activated M-Pesa Ratiba, a standing order service introduced in October 2024.
M-Pesa Ratiba allows users to set up recurring payments for various expenses, including bills, rent, school fees, insurance, subscriptions, and upkeep. Users enrolled in SHA's Lipa Mdogo Mdogo plan may experience auto-deductions if Ratiba is enabled. To manage or cancel these deductions, users can dial *334# > Option 9 (M-Pesa Ratiba) > Manage Standing Order.
By implementing these updates, Safaricom aims to strengthen security and automate routine payments on M-Pesa, Kenya's leading mobile money platform. However, the debate continues regarding the balance between convenience and control, prompting discussions on the importance of user control in financial transactions.
