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Payment Plans

When confirming a payment request through Sevi, you can choose from the following payment options depending on your available credit limit and preferred payment method:

1. Lipa na Sevi (Full Credit – Weekly Repayment)​

  • Sevi pays the full order amount to your supplier immediately.
  • The amount becomes your Sevi Credit balance, which you repay in weekly instalments.
  • Repayments are automatically collected from your Sevi Wallet.
  • You will receive SMS and app notifications before each repayment date.
  • This option is available if your credit limit covers the full order amount.

2. Split Pay (Pay Now + Pay Later)​

  • Pay part of the order now using:

    • M-Pesa, or
    • Sevi Wallet

  • The remaining balance is covered by Sevi Credit (Pay Later).

  • The Pay Later portion will be repaid in weekly instalments.

  • This option is useful when your credit limit does not fully cover the order amount, or when you prefer to reduce your credit usage.

3. Direct Pay (Full Immediate Payment)​

  • Pay the full amount immediately using:

    • M-Pesa, or
    • Sevi Wallet

  • No credit is used.

  • No weekly repayments are created.

  • This works the same as a normal cash payment.

Things to Note​

  • Your available payment options will be shown before confirming the payment request.
  • Your credit limit determines whether Full Credit or Split Pay is available.
  • Weekly repayment schedules are clearly shown after confirmation.
  • Late repayments may affect your credit limit and future eligibility.
  • Consistently repaying on time helps increase your credit limit over time.

Example​

Suppose you confirm a payment request worth KSh 3,000:

  • Lipa na Sevi (Full Credit):
    Sevi pays the full KSh 3,000. You repay in weekly instalments.

  • Split Pay:
    You pay KSh 1,000 now via M-Pesa or Wallet.
    Sevi covers KSh 2,000, which you repay weekly.

  • Direct Pay:
    You pay the full KSh 3,000 immediately. No credit is used.

tip

Choose the option that best fits your cash flow:

  • Lipa na Sevi (Full Credit) → best when your credit limit covers the full amount.
  • Split Pay → best when you want to combine credit with a partial payment.
  • Direct Pay → best when you prefer to pay fully without using credit.