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What is Pochi la Biashara?
Pochi La Biashara is a product allows M-PESA registered customers who own informal businesses such as: food vendors, kiosk owners, boda-boda operators, second hand clothes dealers, etc. to receive and separate business funds from personal funds on their M-PESA number.
What are the features of Pochi la Biashara?
Your M-PESA PIN will be used to approve Pochi La Biashara transactions. #PIN YAKO. SIRI YAKO
How do I as a business owner join/opt in?
Using your M-PESA line,
dial M-PESA USSD *334#>>select Pochi la Biashara>> Join>> Accept Ts&Cs>> Select Business Category and you will receive an SMS confirmation that you have been opted in successfully.
How will a customer pay the business owner?
A customer will dial *334# from their M-PESA line; Select Lipa na M-PESA; Select Pochi La Biashara, and complete the transaction as shown below:
Note: For your privacy and to protect your information, the final M-PESA message after completing a transaction will not have the customer or business owner’s phone number
How much will a customer be charged to pay to a business owner?
Send money transaction charges apply when a customer is making payments. The business owner receiving the payment does not incur any charges
Does Fuliza deduct funds when payments are made to the business account?
Funds received on the business account will not be deducted by Fuliza.
What are the Pochi la Biashara limits?
Daily transactional limit of Ksh. 300,000 umbrella limit for both the personal and business account apply
How do I access funds in my Pochi la Biashara?
To access funds, a business owner withdraw from agent of move funds from business to personal account as below:
I. Withdraw Funds from Agent
You will dial *334#, selects Pochi la Biashara>> Withdraw Funds>> From Agent>> enter Agent number>> enter amount and complete the withdraw transaction using your M-PESA PIN
Note: Normal withdrawal from agent charges apply.
II. Withdraw from Business to Personal Account:
The business owners can move funds from their business account to their M-PESA. S/he will dial *334#, select Pochi la Biashara >> Withdraw funds>> From Business to Personal Account >> enter amount and complete the transaction using your M-PESA PIN
To pay to Other Mobile Numbers or Pay to a customer
The business owner dials *334#, selects Pochi la Biashara and follows the steps below:
To access mini statements, the business owner dials *334#, selects Pochi La Biashara and follows the steps below:
Note: the mini statement displays the recent transactions
Know more about this service
This feature allows business owners to access frequently asked questions on the service by dialing *334#, select Pochi La Biashara>> Know More about the service
How to Leave the service/opt out:
The business owners can leave/to opt out of the service by:
dialing *334#, selects Pochi La Biashara>> My Account>>Leave this service>> Confirm and you will receive an SMS confirmation that you have been successfully opted out of the service.
Note: Upon opt out, any funds on the business account will instantly be moved to your M-PESA account.
In case of any queries, who does the business owner contact?
Call Line 100, 200, or 234 or Visit any Safaricom retail Shop or Care Desks.