Welcome to Merchant Interoperability - Lipa Na M-PESA across all networks

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.

This is a C2B Paybill with a defined short duration. A Short-Term Paybill is a product that enables the raising of funds for diverse needs e.g., medical bills, funerals, weddings, education, and for charity/catastrophe, etc.

Lipa na M-PESA is a cashless payment service that allows customers to make payments for goods and services securely and conveniently. We have put in place below Lipa na M-PESA KYC requirements to continue serving you better while ensuring that the service remains safe and secure

Download the documents below to begin the account opening process.

The Paybill service is a payment collection service that allows businesses to collect money regularly from customers through M-PESA.

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.

The Business One Account service enables organizations to use one Lipa na M-PESA short code to collect and disburse funds. Therefore, organizations given either Paybill or B2C or both can be onboarded with one account product. For new customers, the products will be added during the onboarding process.

Pochi la Biashara is a product that allows business owners such as food vendors, small kiosk owners, boda-boda operators, secondhand clothes dealers, etc., to receive and separate business funds from personal funds on their M-PESA line.

Business-to-Business (B2B) Payment service is a value-added service that allows organizations to make payments to other organizations. The organization must have an existing M-PESA shortcode from which the payment is to be made.

Collect payments easily with no time limitations through M-PESA.

The Paybill service is a cash collection service that allows your organization to collect money on a regular basis from your customers through M-PESA.

Through Paybill numbers, you can serve your clients much better as your customers are able to pay for services with ease and on timeliness.

Safaricom's payment solutions have enabled simple single transactions as well as bulk payments whenever necessary.

Payments are customer-initiated, and the receiving organization may have a unique identifier i.e., account number.

The customer has an official relationship with the organization to whom they are making payment and has an “account number” that helps identify the user. The customer inputs a business number (Paybill number) for the entity they are paying.

Benefits of the Paybill

• It is secure, convenient and allows for time saving.
• Real-time payments, that is, easy fund disbursement as you can also choose to use the funds collected to pay for supplies, wages, salaries, or other services.
• Low transaction costs for both clients and the merchants.
• Access real-time reports and statements for your business transactions
• Manage your business account from any type of handset via the *234*4#, M-PESA Business App or a simple to use web portal.

Take advantage of M-PESA's payment solutions and ease your financial transactions today.

How to Apply

You may apply for an M-PESA Paybill account through one of the following:

• Online application: https://m-pesaforbusiness.co.ke/
• Visiting Safaricom shop with a filled in application form and the relevant documents.

M-PESA Paybill Tariff Guide

Lipa na M-PESA Requirements 2024

M-PESA Paybill Portal

M-PESA Paybill Sticker

M-pesa Paybill Guide

M-PESA C2B Service Application Form

Declaration of Ultimate Beneficial Ownership Information

Account Opening Authorization Form

Frequently asked questions

Buy Goods

This service offers distributors, retailers, and merchants a payment collection service via M-PESA. Customers can pay for goods and services using M-PESA to businesses that accept Lipa na M-PESA services.

As we continue to transform lives through partnerships, Safaricom endeavors to comply with all the regulatory requirements and obligations, upholding industry best practices, and adhering to global standards in its business operations. The AML/CFT (Amendment) Act, 2023 and The Proceeds of Crime and Anti-Money Laundering Regulations, 2023, require all financial institutions to collect, verify and maintain an up-to-date beneficial ownership information for all its business relationships.