Why is SHA deducting money from my M-Pesa without asking for a PIN?

SHA can deduct from your M-Pesa without a PIN because a standing order was set up through M-Pesa Ratiba — either when you enrolled in the Lipa Pole Pole instalment plan or when you consented to recurring SHA payments during registration. Safaricom confirmed this is a legitimate standing order feature, not a system error or fraud.

How do I stop SHA from deducting money from my M-Pesa?

Dial *334# on your Safaricom line, select option 9 (M-Pesa Ratiba), select Manage Standing Order, find the SHA entry, and select Delete. The deduction stops immediately. This is the official method confirmed by Safaricom.

What is M-Pesa Ratiba and how does it relate to SHA?

M-Pesa Ratiba is Safaricom's standing order feature that allows organisations to set up recurring deductions from a customer's M-Pesa wallet without requiring a PIN for each transaction. SHA uses Ratiba to collect monthly contributions automatically. The standing order is only created if the customer previously consented — either through the Lipa Pole Pole enrolment or another SHA payment authorisation process.

Will stopping the SHA Ratiba standing order cancel my SHA cover?

Stopping the standing order does not cancel your SHA registration or close your account. It only stops the automatic deduction. Your SHA cover will remain active as long as your contributions are up to date. You can continue paying manually via M-Pesa Paybill 200222, account number = your National ID number.

Can SHA deduct money from M-Pesa without my consent?

No. Safaricom has confirmed that SHA can only deduct from M-Pesa without a PIN prompt if the customer previously gave explicit consent through M-Pesa Ratiba. If you are certain you never consented to a standing order, contact Safaricom on *100# or 0722 000 100 to dispute the deduction and request a reversal.

How do I opt out of SHA Lipa Pole Pole?

To opt out of Lipa Pole Pole, first cancel the M-Pesa Ratiba standing order by dialling *334#, selecting option 9, then Manage Standing Order, and deleting the SHA entry. Then log into afyayangu.go.ke and confirm your payment plan is switched to manual monthly payment. If the portal does not show an opt-out option, contact SHA on 0800 720 601 to process the change.

SHA deducting from M-pesa Kenya

June 8, 2026
by MyCyber
SHA assistance near me, SHA payment guide

SHA Deducting From M-Pesa Kenya — How to Stop It and Why It Happens

SHA deducting from M-Pesa Kenya without asking for your PIN is not a hack or a system error. It happens through a Safaricom feature called M-Pesa Ratiba — a standing order that was set up when you enrolled in SHA’s Lipa Pole Pole instalment plan. This page explains exactly why it happens and gives you the verified steps to stop it immediately.

Quick Answers

Why is SHA deducting from my M-Pesa without a PIN?

It is a standing order set up through M-Pesa Ratiba. Safaricom confirmed that SHA uses Ratiba to collect contributions automatically. This only happens if you previously consented — either through the Lipa Pole Pole enrolment or another SHA payment authorisation. It is not fraud and it is not a Safaricom error.

How do I stop SHA from deducting from my M-Pesa right now?

Dial *334# → option 9 (M-Pesa Ratiba) → Manage Standing Order → find the SHA entry → Delete. The deduction stops immediately. This is the official method confirmed by Safaricom. It takes under 2 minutes.

Will stopping the deduction cancel my SHA cover?

No. Cancelling the standing order does not close your SHA account. Your cover stays active as long as contributions are up to date. You can continue paying manually via M-Pesa Paybill 200222, account number = your National ID number.

What is Lipa Pole Pole and how does it connect to these deductions?

Lipa Pole Pole is SHA’s instalment plan that lets you pay contributions in monthly amounts instead of one lump sum. When you enrol, it sets up an automatic M-Pesa Ratiba standing order to deduct your monthly amount without a PIN prompt each time.

Can I get a refund if SHA deducted money I did not authorise?

If you never consented to a standing order, contact Safaricom on *100# or call 0722 000 100 with your transaction reference to dispute the deduction. SHA contributions already credited to your account are generally not refundable — but unauthorised standing orders can be reversed through Safaricom.

1. Why SHA Is Deducting From Your M-Pesa Without a PIN

SHA deducting from M-Pesa Kenya is one of the most complained-about SHA issues on Facebook in 2026. The confusion is understandable — most Kenyans expect every M-Pesa transaction to require a PIN. When money leaves the wallet silently, it feels like something is wrong.

Here is what is actually happening. Safaricom has a standing order feature called M-Pesa Ratiba. Ratiba allows organisations — including SHA — to collect recurring payments from a customer’s M-Pesa wallet automatically, without triggering a PIN prompt for each transaction. The customer authorises the standing order once, and from that point deductions happen on schedule without further approval.

You enrolled in SHA Lipa Pole Pole Lipa Pole Pole is SHA’s instalment payment plan. When you enrol, SHA sets up an M-Pesa Ratiba standing order to deduct your monthly contribution automatically. Most people who report unexpected SHA deductions enrolled in Lipa Pole Pole — either knowingly or without fully understanding that it creates an automatic standing order.

You consented during a SHA registration or payment process In some SHA registration flows — particularly through the Afya Yangu portal or via SHA agents — customers are prompted to authorise recurring payments. If you clicked through this step without reading carefully, a Ratiba standing order was created on your number.

A SHA agent set it up during assisted registration Some people who used assisted SHA registration services had standing orders set up as part of the enrolment process. If you did not go through the registration yourself, you may not have been aware a standing order was created.

Confirmed by Safaricom: SHA can only deduct from M-Pesa without a PIN prompt if the customer previously gave explicit consent through M-Pesa Ratiba. Safaricom clarified this publicly in January 2026 following widespread complaints. If the standing order exists on your line, consent was given at some point — even if you do not remember doing so.

2. How to Stop SHA M-Pesa Deductions — Step by Step

The official method to cancel the SHA standing order is through the M-Pesa Ratiba menu on your Safaricom line. This works on any Safaricom number and takes under 2 minutes.

Stop SHA Deductions via USSD — *334#

1
Dial *334# on your Safaricom line
2
Select option 9 — M-Pesa Ratiba
3
Select Manage Standing Order
4
A list of your active standing orders will appear. Find the SHA entry — it will show as Social Health Authority or SHA with the monthly deduction amount
5
Select the SHA standing order and choose Delete
6
Confirm the deletion. You will receive an M-Pesa confirmation SMS. The deduction stops immediately.

If you do not see a SHA standing order in Ratiba

If no SHA entry appears in Manage Standing Orders, the deduction may be coming from a different source. Contact Safaricom on *100# or call 0722 000 100 with the exact transaction reference from your M-Pesa SMS to trace the source and stop it.

You can also manage Ratiba standing orders through the M-Pesa app on your smartphone. Open the M-Pesa app → Services → Ratiba → My Standing Orders → find the SHA entry → Delete.

3. What Is Lipa Pole Pole and How to Opt Out Properly

Lipa Pole Pole — which translates to “pay gradually” — is SHA’s official instalment payment plan. Instead of paying your full annual contribution in one payment, Lipa Pole Pole breaks it into monthly amounts deducted automatically from your M-Pesa wallet via Ratiba.

For members with large annual contribution assessments, Lipa Pole Pole makes SHA more affordable. But many members enrolled without understanding that it creates an automatic standing order — and are now seeing money leave their M-Pesa wallet every month without a PIN prompt.

Cancel the Ratiba standing order first

Before anything else, stop the automatic deduction using the *334# steps above. This is the immediate fix — do this first.

Update your payment plan on Afya Yangu

Log into afyayangu.go.ke using your National ID number and password. Navigate to your account settings and check your current payment plan.

Go to afyayangu.go.ke and log in with your National ID
Navigate to My Account → Payment Plan or Contribution Settings
If Lipa Pole Pole is shown as active, select the option to switch to manual payment
Save the change — you will now pay manually each month via Paybill 200222

If the portal does not show an opt-out option

Some members find the Afya Yangu portal does not display a clear Lipa Pole Pole opt-out. In this case call SHA directly.

Call SHA on the toll-free line 0800 720 601 — free from any network
Tell them you want to opt out of Lipa Pole Pole and switch to manual monthly payments
They will update your account on the backend
Confirm the change reflects on your afyayangu.go.ke account before your next expected deduction date

Cancelling Lipa Pole Pole does not cancel your outstanding balance

If you enrolled in Lipa Pole Pole to pay off arrears or a large contribution assessment in instalments, cancelling the plan does not erase what you owe. Your outstanding balance remains due. Switching to manual payment means you take responsibility for paying on time each month — missed payments will cause your cover to lapse.

4. After Stopping — How to Keep Paying SHA Manually

Once you cancel the Ratiba standing order, your SHA cover remains active as long as you continue paying your monthly contribution on time. Manual payment is straightforward via M-Pesa Paybill.

Pay SHA Manually via M-Pesa Paybill

1
Go to M-Pesa → Lipa na M-Pesa → Pay Bill
2
Business Number: 200222
3
Account Number: your National ID number
4
Enter your monthly contribution amount and confirm with your M-Pesa PIN
5
You will receive an M-Pesa confirmation SMS. Your SHA account updates within 24 hours.

Member Type	Monthly Contribution	How to Confirm Your Amount
Formal employed (salaried)	2.75% of gross salary — deducted by employer via payroll	Check payslip or afyayangu.go.ke
Self-employed / informal	Means-tested — minimum KES 300 per month	Log into afyayangu.go.ke → My Contributions
Unemployed / vulnerable	Government-subsidised — may be KES 0	Dial *147# → Check Status

If you are unsure of your exact monthly contribution amount, check your assessment on afyayangu.go.ke under My Contributions, or dial *147# and select Check Status to see your current rate and payment history.

5. Did SHA Deduct Without Your Consent? What to Do

If you are certain you never enrolled in Lipa Pole Pole and never authorised any SHA standing order, the process to dispute the deduction is through Safaricom — not SHA.

Get the transaction reference from your M-Pesa SMS Every M-Pesa deduction sends a confirmation SMS with a transaction code — for example SFQ1234ABC. Keep this reference number. You will need it when contacting Safaricom to trace the exact standing order that triggered the deduction.

Contact Safaricom to dispute the standing order Dial *100# and select the option for M-Pesa complaints, or call Safaricom customer care on 0722 000 100. State that you did not authorise a Ratiba standing order for SHA and provide the transaction reference. Safaricom will check whether the standing order was legitimately created on your line.

Cancel the standing order immediately while you wait Regardless of the dispute outcome, cancel via *334# now to stop further deductions while Safaricom investigates. Do not wait for the dispute to be resolved before cancelling.

On SHA contributions already credited — these are generally not refunded If the money was deducted and credited to your SHA account as a valid contribution, SHA does not typically issue refunds. The dispute route through Safaricom applies where the standing order itself was set up without consent — in that case Safaricom can assist with reversal of unauthorised transactions.

Still Getting SHA Deductions After Trying to Stop Them?

Send your number on WhatsApp. We check your Ratiba status, walk you through the exact cancellation steps, and confirm the standing order is fully deleted.

KES 150 — Done Same Day

WhatsApp: 0751 947 700

6. Frequently Asked Questions

SHA deducted money but my account still shows inactive — where did the money go?

If a deduction was made but your SHA status has not updated, the payment may not have reflected yet — it can take up to 24 hours. Check your status on afyayangu.go.ke or dial *147#. If it has been more than 48 hours, see the full guide on SHA payment not reflecting Kenya for the steps to trace and escalate the payment.

My employer already deducts SHA from my salary — why is M-Pesa also deducting?

If you are formally employed and your employer deducts SHA via payroll, a separate M-Pesa Ratiba deduction is a duplicate. This most commonly happens when an employee enrolled in Lipa Pole Pole separately — perhaps during a previous period of self-employment. Cancel the Ratiba standing order via *334# immediately and contact SHA on 0800 720 601 to reconcile your account and request a credit for any duplicate payments.

Can SHA deduct more than my agreed monthly amount?

The Ratiba standing order deducts the exact amount set at enrolment. If the amount deducted differs from what you expected, it is possible the standing order was set up with an annual contribution amount rather than a monthly instalment, or that your contribution assessment changed. Check your current assessment on afyayangu.go.ke under My Contributions to confirm the correct monthly figure.

Will cancelling the SHA standing order affect my dependants’ cover?

No. Cancelling the standing order only affects how payment is collected — it does not alter your account structure or your dependants’ registration. Your dependants remain on your account. Their cover, like yours, stays active as long as you keep paying your monthly contribution on time manually via Paybill 200222.

I cancelled the SHA Ratiba order but a deduction still happened — what now?

Get the M-Pesa transaction reference from the SMS and contact Safaricom on 0722 000 100 immediately. It is possible the cancellation did not process before the scheduled deduction date, or that a second standing order exists. Safaricom can confirm whether the order was fully deleted and assist with reversal if the deduction was processed after cancellation.

How do I check all standing orders currently active on my M-Pesa?

Dial *334# → select option 9 (M-Pesa Ratiba) → select View Standing Orders. This shows every active standing order on your line — not just SHA. Review the full list and delete any you do not recognise or no longer want.

SHA M-Pesa Deduction Problems — We Fix It Same Day

Deductions not stopping · Standing order not showing in Ratiba · Duplicate deductions · Payment not reflecting after deduction

Send your situation on WhatsApp. We walk you through the exact steps to cancel, confirm it worked, and sort out any payment discrepancies on your SHA account.

KES 150 — Same Day, Via WhatsApp

WhatsApp: 0751 947 700

We confirm the fix worked before you pay.

Disclaimer: MyCyber is an independent digital assistance service. We are not affiliated with the Social Health Authority (SHA), Safaricom, or any government body. The USSD steps on this page are based on Safaricom’s publicly confirmed process for managing M-Pesa Ratiba standing orders as of June 2026. USSD menus are subject to change — if steps differ on your device, contact Safaricom on 0722 000 100 for current navigation. Always verify your SHA contribution status at afyayangu.go.ke or by calling SHA on 0800 720 601.