To pay at a store?

Look for the mVisa acceptance mark, QR code or the Merchant I.D at the billing counter.
Scan the merchant's QR code or type in the mVisa Merchant I.D in the KCB app. For a feature phone, key in the Merchant ID number once you access mVisa via the USSD - *522#
Enter the exact amount you need to pay the merchant.
Authenticate the transaction with your mobi PIN.
Get the transaction confirmation.
To pay online?

Spot the mVisa acceptance mark and the QR code or Merchant I.D on the check-out/billing page when you are ready for your purchase.
Scan this QR code or type in the numeric merchant I.D.
You will either need to enter the payable amount or scanning the QR code will automatically display the payable amount.
Authenticate the payment with your mobi PIN and confirm the transaction.
Get the transaction confirmation instantly.
To make bill payments?

Spot the mVisa acceptance mark and the QR code on your bill.
Scan this QR code or type in the numeric merchant I.D.
You will either need to enter the payable amount from the bill or scanning the QR code will automatically display the payable amount.
Authenticate the payment with your mobi PIN and confirm the transaction.
Get the transaction confirmation instantly.