I doubt DTMF would be applicable here since that is only possible on an active voice circuit, and for reasons of scalability I do not see them setting up an IVR-like system for MPESA. If the system is already loaded at times with delays on just USSD requests what of DTMF?
@ Haggai
yeah, the queries would probably overload the network, but then again - i dont suppose very many people pay bills via mpesa (except electricity, which is very popular) - or do they ?
then again, the utilization of signal frequencies like sms,,, dtmf (when you press a number to select) - could be an added plus, since these are not the regular traffic channels..
which brings again the issue of whether their servers can handle the requests - because as more and more people gain confidence in paying the bills over the air, the usage may increase like a bell curve !
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