It has long my belief that only person to person transactions can be reversed as this are based on trust, and on that one person is sending the money, not paying for services. 
<div><br></div><div>Businesses are meant to use the paybill which means it should be harder to reverse a transaction without both parties consenting to this. </div><div><br></div><div>Safaricom should also come up with better ways of reducing errors in transaction. User interfaces are usually adapted to best suit a user. In this era of feature phones and smart phones, Safaricom should have apps with better functionality to supplement the USSD based system. An app can have a list of paybill numbers, fetch your address book etc</div>