M-PESA Bulk Payment (B2C)

The Bulk Payment service (Business to Customer - B2C) enables an organization to make payments/disbursements from a given M-PESA shortcode to mobile phones of individuals in real-time at the click of a button e.g., Salary, Dividend and SACCO payments.

This facility will enable your organization to send payments to individual M-PESA users in bulk. Access to the M-PESA web administration system will enable you to monitor the payments/ disbursements that you will make. You will be able to download a statement which is a record of payments made. B2C is identified by a Shortcode and a Username.

This service is open to all organizations and institutions both public and private intending to make M-PESA payments to individuals. The login credentials that you have been supplied with are to be treated as confidential and private.

The bulk payment can be used for the following services.

• Banks, MFI, and SACCOs for loan disbursement, and withdrawal of money from the bank account directly to the M-PESA account.
• Insurance: Claims settlement.
• Salaries disbursement for companies and casuals’ payments.
• Promotional payments: Payment of cash prizes for winners
• Business Payments: Payment of small supplies, petty cash, daily wages
• Dividend Payments: Annual dividend payments for publicly listed companies
• Government Organizations, NGOs, and FBOs: Disbursement of various project and workshop funds, relief funds, development funds, per diems, and wages to field staff.

How to Apply

You may apply for an M-PESA Bulk Payment account through one of the following channels:

• Online application: https://m-pesaforbusiness.co.ke/
• Visiting Safaricom shop with the relevant documents.
• Forwarding the application documents to your Safaricom account manager.
• Sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it. with relevant documents.

Once your shortcode is created, please use the guide below to get started.

Bulk Payment Downloads

Lipa na M-PESA Requirements

M-PESA Bulk Payment Application Form

M-PESA Account Opening Authorization Form

M-PESA Bulk Payment Tariff Form

M-pesa Bulk Payment B2C

Frequently asked questions