M-PESA Business Till

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

The Product can be accessed via USSD *234*2# or via app M-PESA for Business App. M-PESA for Business App allows businesses to better visualize their payment collections and spend, see full statement and transact directly from the app. The app provides users a faster and simpler payment experience.

To apply for M-PESA Business till click on this link: https://m-pesaforbusiness.co.ke/

To Download the M-PESA for Business App for Android click on this link M-PESA App for Android

To Download the M-PESA for Business App for IOS click on this link M-PESA App for IOS


What’s great about this service

This product provides a one stop account for collecting and making payments directly from the till enabling them to separate their personal M-PESA payments from business payments. The following are the services available under this product.

  1. Receive payments from other Businesses and Customers
  2. Make payments
    1. Pay another business from the till – Pay bill or Buy Goods
    2. Make payments to Customers
  3. Withdraw funds
    1. To the owner nominated number
    2. To Bank
    3. At M-PESA Agent
  4. Sell Airtime to customer using collected funds and earn commission


Rates and Charges

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



Pay to another Buy Goods Till

0.25 % capped at 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

Withdraw at agent

Standard agent withdrawal charges

Sell Airtime to customer

Standard Agent Airtime commission rates


  • The business owner will be charged a maximum of 0.5% and not more than KShs.200 per transaction for money collected on the till.
  • Collections of Ksh 200 and below are FREE.
  • There are no customer charges for payments made using Lipa na M-PESA Buy Goods except for payments made at fuel stations.


Getting Started on the M-PESA Business Till

Once you complete the application for the Business till via https://m-pesaforbusiness.co.ke

  1. Application will be processed within 24 hours and you will receive the till details via SMS from Safaricom on the line that made the application.

  2. You will then need to Activate the till using the Nominated number.

  3. You can activate via USSD by dialing *234# and Select Option 2: M-PESA Business Till then enter the store number of the till received from SMS after Application.

  4. You can also download and install the App version and directly activate via App. To download, Open the following links, For Android https://bit.ly/lnm-app For IOS https://bit.ly/LNM-app

  5. Sign into the app using your Store details either store number or till number. The app enables you 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.

  6. You can also Download the Lipa Na M-PESA sticker/poster online, print and indicate your till number for displaying to customers. Download from here: https://m-pesaforbusiness.co.ke#FAQs

  7. The Till details sent on SMS contain the notification number. This is the line that sends you notifications when customers Pay, visit the nearest Safaricom retail shop or call us on 100 for assistance on replacing this SIM card once you have gotten a replacement line.

  8. You can also choose to be receiving payment notifications made to the till being sent to your nominated number. Contact us on 100 for us to enable your line receive payment notifications.


Additional Information

 How to Activate your Till via USSD

    1. Dial *234# from the nominated number
    2. Select option 2 - M-PESA Business Till
    3. Enter Store number (One received on SMS)
    4. Select option 1 - Yes
    5. Accept Terms and Conditions.
    6. Submit

You will receive an M-PESA message with your operator ID and Start key PIN. You will be required to change PIN. Use the operator ID and start key then:

How to change PIN

    1. Dial *234# from the nominated number
    2. Select option 2 - M-PESA Business Till
    1. Enter your Store number
    2. Select option 5 - Account Services
    3. Select option 1 - Change PIN
    4. Enter operator ID (Check the SMS received from M-PESA SMS with start key)
    5. Enter old PIN (which is the start key on SMS from M-PESA)
    6. Enter New PIN (Create your own secret PIN)
    7. Confirm new PIN (Repeat your own secret PIN)
    8. Submit

You will receive a message confirming that your PIN has been changed and till successfully activated

Till SIM Swap Process:

As a merchant, you can replace your own till in order to get the sim card notification number. This is a Do-It-Yourself service. 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.

How the SIM Swap works:

  • 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.


Should a customer have any queries, they can contact Safaricom through call line 100, 200 or 234 or visit any of the Safaricom retails shops countrywide.


M-PESA Booklet


M-PESA Business Terms and Conditions


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