Transaction cost is read automatically from the current Send Money tariff band based on the amount entered. New balance = starting balance − (transaction amount + transaction cost). Remaining daily amount = starting daily transactable amount − transaction amount. Date/time is generated automatically. Enter the 7-character reference base each time, or paste a full 10-character reference; the final 3 characters are always discarded and regenerated. Recipient names are preserved exactly as typed, including lowercase, mixed case, spaces and special characters.

New balance = current balance − amount withdrawn − transaction cost. Remaining daily amount = transactable amount within the day − amount withdrawn. The generated DEMO text follows the withdrawal wording shown in the supplied M-PESA examples.

Pochi La Biashara transaction cost is read automatically from the supplied Pochi tariff band based on the amount entered. It uses “sent to NAME on …” without displaying a phone number. The name is preserved exactly as typed.

Company and account text are preserved exactly as typed. New balance and remaining daily amount are calculated automatically.

Business name is preserved exactly as typed. No account number is added. The generated wording uses “paid to BUSINESS NAME. on …” exactly, including the full stop after the business name and lowercase “on”.

New balance = available balance now + amount received. Enter the 7-character reference base each time, or paste a full 10-character reference; the final 3 characters are always discarded and regenerated. Sender name is preserved exactly as typed. Sender phone number is masked automatically to show only the first 4 and last 3 digits, for example 0723***789. Only received-money messages alternate between “Tap to load preview” and the Safaricom preview card.