M-PESA's "Jumbe" is a second SMS that proves you paid, minus your balance
Safaricom's official name is Split Notifications; customers see it as Jumbe. When a business has switched it on, a payment now triggers two messages at the same moment: the usual M-PESA confirmation, balance included, and a Jumbe SMS meant to be shown to other people. It carries the transaction code, amount, business name, Till number and date and time, but not your balance, full name or phone number. In place of your name you get a JumbeID — first initial, last initial and the last two digits of your number, so Nancy Kamau ending in 74 becomes NK_74. That is not anonymity: regulars at a small shop could still work out who you are, and two customers can share an ID, with the transaction code telling them apart. There is nothing to register for, and the choice is the merchant's — only the main administrator of the business account can enable it, via *234# or the M-PESA Business Hub. Owners can also nominate staff to receive a short alert per payment showing the amount, reference and JumbeID, but never the owner's balance, history or PIN. Staff have to consent through an SMS code and a USSD prompt, and only active Safaricom lines qualify. Safaricom has not said whether customers can switch the receipt off.
Source: Techweez
