Ever been in a situation whereby you bought say groceries in the supermarket but when It came time to pay via Mpesa, you get that annoying insufficient balance message? This has happened to me a couple of times but luckily, I had the amount needed in cash form. With the way people have become so accustomed to mobile money that we sometimes forget to carry physical cash, I suspect this has happened to a good number of people. The likely outcome of such a scenario is to either leave your shopping or start calling family and friends to bail you out. Apparently, it is such a common occurrence that the rate of failed mobile money transactions daily due to insufficient funds stands at 58%.
Such embarrassing situations are a thing of the past with Fuliza which enables Mpesa users to complete transactions even when they have insufficient funds in their Mpesa accounts.
Fuliza comes with a limit that can be grown depending on how much you use Mpesa. The funds from Fuliza can be used on Buy Goods, PayBill and Send money transactions, however one will not be allowed to withdraw the funds.
Being that it is a loan, one will be charged a 1% access fee and a maintenance fee on the outstanding balance as per the table below. Also normal Mpesa charges will be applicable.
| Amount | Charges |
| 0 -100 | One-time fee of Ksh 2 |
| 101-500 | Ksh 5 per day |
| 501-1000 | Ksh 10 per day |
| 1001-1500 | Ksh 20 per day |
| 1501-2500 | Ksh 25 per day |
| 2501-70000 | Ksh 30 per day |