M-PESA Business Till (Buy Goods)

M-PESA Business Till (Buy Goods) FAQs

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

Pay to another Buy Goods Till
Pay to a mobile number
Pay to a utilities (Paybill) till
Withdraw cash at an M-PESA agent
Sell Airtime and earn commission

Business owners will now be able to do more with M-PESA Business till

Receive payments from other businesses and customers
Make payments:
1. Pay another business from the till – Paybill or Buy Goods
2. Make payments to customers
Withdraw funds:
1. To the owner’s nominated number
2. To Bank
3. At M-PESA Agent
Sell airtime to customers using collected funds.

What are the transaction limits for the new M-PESA Business till?

Transaction limit: KSh 150,000 per transaction.

What are the charges for the new M-PESA Business till transactions?

Transaction	Tariff
Pay to another Business Till (Buy Goods till)	0.25% capped at Ksh 200
Pay to a mobile Number (B2C)	Existing M-PESA send money charges apply
Pay to a utility till (Pay bill C2B)	Standard paybill charges apply
Merchant Withdraw at agent	Standard agent withdrawal charges apply
Merchant Sell Airtime	5% Commission earned by the merchant.

How to activate your till (SIM Card)

Insert SIM card into a mobile phone handset.
Dial 212 and select preferred language.
Make a test payment to the till number provided.
You will receive a payment SMS confirmation.

How to activate M-PESA Business Till

Dial *234*2#
Enter store number
Accept Terms and Conditions
Business owner receives operator id & start key
Dial *234*2# and enter store number
Go to account services and select change pin
Enter start key as old PIN, create your new pin

How to change your PIN for the Business till:

Dial *234# from nominated number
Then select option 2 – M-PESA Business Till
Then enter your store number
Select option 5 - Account Services
Then select option 1 - Change PIN
Enter your operator id that you received in the activation M-PESA SMS.
Enter old PIN as the start key that you received in the activation M-PESA SMS.
Enter new secret pin that you can easily remember
Enter your new secret pin again.
Select Option 1 for Yes to confirm you want to change pin then submit the request.

You will receive a confirmation message that your pin has successfully been changed and till successfully activated.

You are now ready to start using your M-PESA Business till.

Withdraw Funds:

Withdraw to my number
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 1 - Withdraw Funds
Under withdraw funds, select Option 1 - withdraw funds to my number
Enter amount you wish to withdraw
Enter operator id
Enter operator pin

You will receive an SMS confirmation with the amount withdrawn to your mobile number.

Withdraw Funds: From Agent

Once at the M-PESA agent,

Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select Option 1 - Withdraw funds
Then select option 2 - from Agent
Ener the M-PESA agent number
Enter amount you wish to withdraw
Enter operator id
Enter operator pin
Confirm the M-PESA agent details and amount you wish to withdraw by selecting option 1 for Yes

You will receive a pop on your phone screen that the requested withdrawal has been successfully initiated.

You will then receive an SMS from M-PESA confirmation with the amount withdrawn to your mobile number.

Withdraw to Bank:

There are two options under withdraw to bank i.e.

Withdraw all funds: in this option, the merchant will withdraw entire balance in the till.

(b) Withdraw specific amount: in this option the merchant specifies the amount of money to withdraw.

Withdraw all funds to bank
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select Option 1 - Withdraw funds
Then select option 3 - To my Bank
Select option 1 - Withdraw all
Enter operator id
Enter operator pin
You will receive a request to confirm that you want to withdraw all funds to bank. Select 1: Yes

You will receive a pop up on your phone screen with a confirmation that your withdrawal request has been successfully initiated.

You will then receive an M-PESA notification SMS that the withdrawal request of all funds to your bank account has been successfully initiated and your funds will be credited to your bank account within 24hrs. The M-PESA Business Till balance will also be displayed.

Withdraw specific amount to bank
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select Option 1 - Withdraw funds
Then select option 3 - To my Bank
Select option 2 - Specify amount
Enter the specific amount you wish to withdraw
Enter operator id
Enter operator pin
You will receive a request to confirm that you want to withdraw all funds to bank. Select 1: Yes

You will receive a pop up on your phone screen with a confirmation that your withdrawal request has been successfully initiated.

How to make a payment:

To Business Till (Buy Goods Till)

Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 2 - Make Payments
Then select option 1 - Buy Goods
Enter the recipient Business Till (Buy Goods) number
Enter amount
Enter operator id
Enter operator pin
Confirm payment to the specified Business till number by selecting option 1: Yes

You will receive a pop up on your phone screen with a confirmation that your business till payment request has been successfully initiated.

You will then receive an M-PESA confirmation that the payment you initiated to another Business Till has been successfully completed. The M-PESA Business Till balance will also be displayed.

To Paybill Number
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select Option 2 - Make Payments
Then select option 2 - Paybill
Enter the recipient Paybill number
Enter the account number
Enter amount
Enter operator id
Enter operator pin
Confirm payment to the specified Business till number by selecting option 1: Yes

You will receive a pop up on your phone screen with a confirmation that the paybill payment request has been successfully initiated.

You will then receive an M-PESA confirmation that the payment you initiated to another Paybill number has been successfully completed. The M-PESA Business Till balance will also be displayed.

Pay to Mobile Number
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 2 - Make Payments
Then select option 3 - Mobile Number
Enter recipient mobile number
Enter amount
Enter operator id
Enter operator pin
Confirm payment of specified amount to the specified recipient mobile number by selecting option 1 for Yes.

You will receive a pop up on your phone screen with a confirmation that the payment request has been successfully initiated.

You will then receive an M-PESA confirmation that the payment you initiated has been successfully completed. The amount transferred and the recipient name and phone number and your Business Till balance will also be displayed.

Sell Airtime

Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select Option 4 - Sell airtime
Enter recipient mobile number
Enter amount
Enter operator id
Enter operator pin
Confirm details of the recipient mobile number and amount of airtime to be purchased by selecting option 1 for Yes

You will receive a pop up on your phone screen with a confirmation that the airtime purchase has been successfully initiated.

You will then receive an M-PESA confirmation that the airtime sale was successfully completed. The amount transferred and the recipient name and phone number and your Business Till balance will also be displayed.

Check Business Till Balance

Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 5 - Account Services
Then selection option 2 - Check Balance
Enter operator id
Then enter operator pin

You will receive an SMS with your Business Till balance.

What is Merchant Self SIM Swap?

Safaricom Merchant Self SIM Swap is a Do-It-Yourself service that enables merchants on M-PESA Business Till to replace their Till SIM card. The process is FREE. You will only need to purchase a replacement line from an M-PESA agent or Safaricom retail shop near you at 50/-

SIM swap is applicable to your own till. Only the primary operator who is the nominated number can do a self SIM swap.

Note: You cannot swap another person’s till

Why would a merchant require a SIM swap?

Merchant may want to replace their New, Lost or Damaged SIM Card.

How does the SIM Swap work?
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 5 - Account Services
Then selection option 5 - SIM Swap
Enter your till number
Enter the IMSI number
- IMSI Number: This is the unique identifier for the replacement line that you have acquired. It is found behind the new replacement line acquired.
Enter operator id
Then enter operator pin

You will receive a confirmation message that the SIM swap process has been initiated.

Once successfully swapped, the merchant will receive a message confirm that the sim replacement was completed successfully. Kindly insert your new sim into a handset to begin using it.

Merchant Statements:

This is a Do-It-Yourself automated process where merchant can access their daily, monthly and yearly statement on demand.

How does it work?
M-PESA Statement Opt In
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 6 - M-PESA Statements
Then selection option 1 - Register for email statements
Select option 1 - To accept the Terms and Conditions
Enter your email address
- This will be the email address that will access and receive your statements
Select option 1 - To confirm the email address
Enter operator id
Then enter operator pin

You will receive a confirmation message that an email has been sent to the email provided for verification. The verification link will remain active for 24hrs.

Once the email is successfully verified, the merchant will receive a message confirmation that the email statement verification has been initiated. The merchant will need to validate their email registration using a 4-code digit sent on SMS.

Upon successful registration, the merchant will receive an SMS confirmation that the email registration has been initiated. The merchant will need to complete the process by validating with a token sent to the nominated number.

Merchant M-PESA Statements Opt In Validation
OTP (One Time Password) Validation Option 1: USSD Validation
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 6 - M-PESA Statements
Then selection option 1 - Verify email using OTP
- OTP: this is a One Time Password sent to the nominated number
Select option 1 - To accept the Terms and Conditions
Enter your email address
- This will be the email address that will access and receive your statements
Enter the verification code

You will receive a confirmation that your request to verify your OTP is being processed.

Upon successful validation, you will receive an SMS confirmation that your email has been successfully registered.

Opt in Validation Option 2: Email Validation
Merchant will receive an email confirmation that the email validation has been initiated and will be requested to enter a validation code to complete the subscription for statements.
- The confirmation will be sent to the email address that will access and receive your statements
Select option 1 - confirm

Merchant will receive a confirmation SMS that the email verification process has been initiated.

Upon successful validation, you will receive an SMS confirmation that your email has been successfully registered.

How to access Full Merchant M-PESA Statements

Merchants can access their 3 months, 6 months, 12 months or full statements for specific period (1 month only) using the following easy steps:

Accessing Full Merchant M-PESA Statement:

Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Then enter your head office or store number
Select option 6 – M-PESA Statements
Below partner statements select option 1 - Full Statement
Select the statement period
Enter operator id
Enter operator pin

You will receive a confirmation SMS that your request for M-PESA statement has been received and is being processed.

Upon successful completion, you will receive an SMS confirmation that your full statement has been sent to your email.

Full statements for a specific period
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Enter your head office or store number
Select option 6 - M-PESA Statements
Below partner statements select option 1 – Full Statements
Below full statements select option 5 - Specific period statement
Enter the period range in the required format beginning with: “Date from – Date to”
Confirm the period specified by selection option 1 - Confirm
Enter operator id
Enter operator pin

You will receive a confirmation SMS that your request for M-PESA statement has been received and is being processed.

Upon successful completion, you will receive an SMS confirmation that your full statement for the specified period has been sent to your email.

NOTE: The above steps apply for 3months, 6months statement request – where merchant will specify the period for the statement.

Change Email
Dial *234# from the nominated number
Then select option 2 – M-PESA Business Till
Enter your head office or store number
Select option 6 - M-PESA Statements
Below partner statements select option 2 - Change email
Enter new email address
Confirm the email address by selection option 1 - Accept
Enter operator id
Enter operator pin

You will receive a confirmation message that an email has been sent to the email provided for verification. The verification link will remain active for 24hrs.

Once the email is successfully verified, the merchant will receive an SMS confirmation that your email statement registration request is being processed. You will need to log into the email provided to access the verification code to complete the change of email.

Upon successful email validation, you will receive an SMS confirmation that your email has been successfully registered.