M-PESA Business Till

BusinessM-PESA Business Till
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The M-PESA Business till is an enhancement of the existing Lipa Na M-PESA Buy Goods till that enables business owners to collect payments on the till and use the money collected to make other transactions directly from their till.

The M-PESA Business till is Ideal for businesses in retail, such as supermarkets, restaurants, hardware, pharmacies, boutiques, salons, deliveries, online businesses etc. that collect money from customers regularly as part of their business.

Benefits of this Service

This product provides a one stop account for collecting and making payments directly from the till enabling business owners to separate their personal M-PESA payments from business payments.

The following are the services available on this product:

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  1. Receive payments from other businesses and customers.
  2. Make payments:Pay another business from the till – Pay bill or Buy Goods, Make payments to customers.
  3. Withdraw funds: To the owner nominated number M-PESA account, To bank, At M-PESA agent outlets
  4. Sell Airtime to customers using collected funds and earn a commission.
  5. Access affordable business credit/loan facilities such as Boost ya Biashara and M-PESA Business Loan

Access Channels

The product can be accessed via:

 Sign into the app using your store details, either store number or till number. The app enables you to have better visibility of their payment collections and spend, see full statements, and transact directly from the app. You can manage several tills your own from the same app.

  • USSD *234*2# is available to business owner who are using smartphones and features phones.

Rates and Charges

Key highlights of the charges:

  • The business owner will be charged a maximum of 0.55% and not more than KShs.200 per transaction for money collected on the till.   
  • Collections of KShs.200 and below are FREE.  
  • There are no customer charges for payments made to the M-PESA Business Till except for payments made at fuel stations.  

The transactions made from the till to other entities are charged as below:

  Transaction   Tariff   
Pay to another Business Till (Buy Goods till) 0.27% capped at KShs.200   
Pay to a mobile Number (B2C)    Existing M-PESA send money charges to apply.   M-PESA Charges (safaricom.co.ke) 
Pay to a utility till (Paybill C2B) Standard Paybill charges apply.     New M-PESA Paybill (C2B) Tariffs (safaricom.co.ke) 
Merchant Withdraw at agent   Standard agent withdrawal charges apply.   M-PESA Charges (safaricom.co.ke) 
Merchant Sell Airtime from the till   5% Commission earned by the merchant.  

Important Business Till Downloads

Find below some important guides you can use:

M-PESA Business Till Guide

M-PESA Business Till Tariffs

M-PESA Business Till Booklet 

Getting Started on the M-PESA Business Till

  • Apply for an M-PESA Business Till via https://m-pesaforbusiness.co.ke for the tills that fall under the individual till category. You may also fill the physical application forms and attach the relevant documentation as listed in the Lipa na M-PESA Application Requirements document below, depending on your business type. The physical forms with documentations may be submitted an any Safaricom shop or mailed to m-pesabusiness@safaricom.co.ke or to your account management team.  Application will be processed within 10 minutes for the online individual till category and 24 hours for other categories of tills, and you will receive the till details via SMS from Lipa na M-PESA on the line that made the application when it is ready. With the till details sent to you, please proceed to activate it. Lipa na M-PESA Application Requirements   M-PESA Account Opening Authorization Form
  • Access your till by downloading M-PESA Business App from Google Play store or iPhone App Store or access through *234*2#
  • Activate your til lvia the App or *234*2#: From the nominated number, dial *234# and Select Option 2 for M-PESA Business Till then enter the store number of the til received from SMS after application. Please ensure you change your store secret PIN number by dialing *234*2# and selecting Account Services to complete the activation process.
  • Lipa na M-PESA Sticker: You may need a Lipa na M-PESA sticker to display the till number to your customers. Please find one below. You may also download one from the ‘My Application’ section of the online application portal if you made your application online. Lipa Na M-PESA Buy Goods Sticker
  • Till Notifications: Whenever your customers make payments to your till, Lipa na M-PESA will send to you an SMS notification. The till details sent on SMS after application contain the notification mobile number.This is the number that receives notifications when customers pay and the SIM card cannot be used to perform outward transactions from the till, which can only be done via the nominated number. You will require to buy a replacement card and perform a SIM replacement yourself via the nominated number to get the SIM card for this number.Please refer to the Frequently Asked Questions at the bottom of this page to guide you on how to perform SIM replacement by yourself to get this SIM card. You may also visit the nearest Safaricom retail shop or call us on 100/200 for assistance on replacing this SIM card once you have gotten a replacement line.You can also choose to be receiving payment notifications made to the till being sent to your nominated number. Contact us by calling the customer care lines provided below for assistance.

Boost your Business with Affordable Credit Facilities

We offer to our customers affordable business credit facilities to boost their businesses. Please find the links below to Boost ya Biashara and M-PESA Business Loan.

More Resources for M-PESA Business Till

Secure your Till

Please note the following to help you secure your till and funds:

  1. All till transactions will be done via the nominated number through the App or *234# code and must be completed via a secret PIN you set when activating the PIN. Please keep the nominated number secured and the PIN secret to you alone and do not share with someone else. PIN YAKO SIRI YAKO.
  2. Always check your M-PESA balance on SMS to confirm proof of transaction. M-PESA will send to your notifications line an SMS every time a transaction is made from customer to the till or outward from the till. Where a transaction has been done but you have failed to get SMS on your notification number, do not accept the customer SMS on their phone as proof of payment. You may log into your statement to confirm receipt of funds or contact our customer care channels for further information before releasing goods or offering services. Some customers may share with you edited SMS or old screenshots. We will also support to resolve any SMS failures you may experience.
  3. By applying for and using the M-PESA Business till you accept the terms and conditionsof M-Pesa Services that includes among other clauses lawful use as defined in Section 12 PROHIBITED USAGE AND CONDUCT
  4. If you receive an SMS or a call from someone claiming to have sent you money by mistake, never send it back before you check your M-PESA balance. Safaricom may contact you via phone call from 0722000000 or email M-PESAbusiness@safaricom.co.ke or M-PESABusReversals@Safaricom.co.ke for reversal requests we have received through our customer care channels. You may reverse the funds yourself through the M-PESA Business App or authorize Safaricom to reverse on your behalf, where you are sure that the funds you received do not belong to you.
  5. For security reasons, you can change your PIN at any time.

Please contact us through the various customer care channels as detailed on the Frequently Asked Questions for further enquiries.

Frequently asked questions

M-PESA Business Terms and Conditions

Super User, “Manage Your Business Payments with M-PESA Business Till,” Safaricom.co.ke, 2024, https://www.safaricom.co.ke/personal/m-pesa/lipa-na-m-pesa/m-pesa-business-till.

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