35 guides
M-PESA for business guides
Tills, paybills, Daraja, settlement and reconciliation for Kenyan businesses.
- Daraja API: integrate M-PESA into Shopify, WooCommerce, or your website (2026)A practical developer guide to Safaricom Daraja, sandbox, STK Push, C2B, callbacks, and the easier paths via Shopify and WooCommerce plugins.
- How to Accept M-PESA Payments in Your Shop (2026): the complete guideThe complete beginner-owner guide to accepting M-PESA. Buy Goods vs Pochi vs paybill vs POS integration, decision tree by business type, fees compared.
- How to apply for an M-PESA paybill or till number in Kenya (2026)Requirements, application steps, fees, processing time, and which Safaricom Lipa na M-PESA product fits your business.
- How to Get an M-PESA Paybill Number in 2026Which businesses are eligible for a Lipa na M-PESA paybill, the documents Safaricom needs, the application flow, timelines, cost, and the decision between till and paybill.
- How to Register an M-PESA Till in 2026 (Lipa na M-PESA Buy Goods)Apply online at m-pesaforbusiness.co.ke: Safaricom says Individual tills are processed in about 10 minutes and other categories in 24 hours. Or go through a Safaricom Shop. Documents, timeline, fees and the common rejection reasons.
- How to Withdraw from an M-PESA Till (2026): settle to bank, move to M-PESAStep-by-step for 2026 on moving money out of your Lipa na M-PESA till via the M-PESA Business Portal.
- M-PESA B2C for Supplier Payments and Refunds (2026)How M-PESA Business-to-Customer works, when to use it, the Daraja API vs manual portal path, and reconciling to supplier invoices and customer refunds.
- M-PESA B2C Integration 2026 (Daraja Payouts: Salary, Business, Promotion)Send M-PESA payouts to customers via Daraja B2C. Initiator credentials, security credential encryption, CommandID options, daily limits and callback handling.
- M-PESA Business Account Explained (2026): how it works, KYC, settlementWhat an M-PESA Business Account actually is, how it differs from a personal M-PESA line, the KYC documents Safaricom asks for, and how settlement into your bank works.
- M-PESA Business Limits (2026): per-transaction, daily, wallet, monthlyThe full 2026 picture of M-PESA business transaction limits, contrasted three ways with FY26 network-scale figures.
- M-PESA Business Pricing Summary (2026): every fee on one pageThe single-table reference summarising every business-side M-PESA fee for 2026.
- M-PESA Business vs Personal (2026): fees, limits, tax and eTIMSWhich M-PESA line to accept business payments on, the fee and limit differences, and the KRA, iTax and eTIMS implications of running business revenue through a personal line.
- M-PESA C2B Integration 2026 (Daraja Register URL, Validation, Confirmation)Receive M-PESA paybill and till payments via Daraja C2B. Register URL, validation, confirmation callbacks, response codes and when to use C2B versus STK Push.
- M-PESA Chargebacks and Customer Disputes (2026): how to handle themCustomer says they paid, money is not in the till. The verification ladder, the confirmation SMS check, and the fraud escalation route.
- M-PESA Daily Till Reconciliation (2026): close the day cleanlyStep-by-step end-of-day reconciliation for an M-PESA till. Match sales to statement lines, isolate the gap, cash-up procedure and the closing checklist.
- M-PESA Daraja API Complete Guide (2026): endpoints, auth, errorsComplete Daraja reference for 2026. OAuth, endpoints, rate limits, IP whitelisting, and the errors you hit in production.
- M-PESA Float Management for Shops and Agents (2026)What float is, forecasting float needs, avoiding running dry, cash-vs-e-float balancing, rebalancing at the bank and float commissions for agents.
- M-PESA for business vs personal in Kenya 2026: which rail fits your business?A neutral, non-marketing guide for Kenyan business owners comparing Till Number, Paybill, Pochi la Biashara, and plain personal M-PESA. When each fits, when to switch, and how to keep KRA-clean records without buying software.
- M-PESA for churches, harambees, and fundraising in Kenya 2026How Kenyan churches, mosques, harambee committees, and charity fundraisers collect on M-PESA in 2026. Paybill vs till, tithes and offerings, project appeals, KRA and PBO Act reality. Includes worked examples for a Sunday offering and a KES 2M harambee.
- M-PESA for medical clinics and pharmacies in Kenya 2026How Kenyan clinics, pharmacies, and diagnostic centres take M-PESA in 2026. Paybill with patient number reference, insurance vs cash tickets, prescription workflows, SHA and KRA reality. Includes a clinic + pharmacy worked example.
- M-PESA for online businesses in Kenya 2026: paybill, Daraja, STK PushHow to accept M-PESA on your Kenyan online business in 2026. When paybill beats till, STK Push vs manual paybill entry, Daraja API basics, aggregator vs direct integration, KRA and eTIMS for ecommerce. Worked example for a KES 3M monthly store.
- M-PESA for rent collection and real estate in Kenya 2026How Kenyan landlords, property managers, and estate agents collect rent on M-PESA in 2026. Paybill with unit-number references, month-to-month reconciliation, arrears handling, KRA rental-income tax (RIT), and worked example for a 24-unit block.
- M-PESA for restaurants and cafes in Kenya 2026: till, tables, tipsHow to run M-PESA in a Kenyan restaurant, cafe, or nyama choma joint in 2026. Buy Goods till vs POS, table-number references, splitting the bill, tips reconciliation, KRA and eTIMS for hospitality. Includes a worked example for a KES 1.8M monthly bistro.
- M-PESA for retail shops in Kenya 2026: till, charges, reconciliationThe 2026 playbook for a Kenyan retail shop on M-PESA. Why a Buy Goods till beats paybill for over-the-counter sales, exact merchant charges on your ticket size, staff handling, KRA and eTIMS. Worked example for a KES 900,000 monthly duka.
- M-PESA for salons and barbershops in Kenya 2026: Pochi, till, chair rentalsHow Kenyan salons, barbershops, spas, and nail bars handle M-PESA in 2026. Pochi la Biashara vs a shared Buy Goods till, chair-rental vs employee models, tipping the stylist, KRA reality. Worked example for a 4-chair salon at KES 480k monthly.
- M-PESA for schools in Kenya 2026: paybill, admission numbers, eCitizenHow Kenyan schools collect fees on M-PESA in 2026. Why paybill (with admission number as account) is the only fit, term-based collection, eCitizen 222222 for public schools, KRA and MOE reporting, and a worked example for a 900-pupil primary at KES 12M termly.
- M-PESA org portal (org.ke.m-pesa.com): login and statementsLogging in to the M-PESA Organisation Portal, the four user roles, downloading statements, resetting passwords and getting unlocked, from Safaricom's own guides.
- M-PESA Paybill Charges for Businesses (2026): who paysSafaricom's Paybill Standard Tariff for 2026: one total charge per band, and three options for who pays it. Full band table, the Mgao split, worked examples and how paybill compares with Buy Goods.
- M-PESA Payment Gateway Kenya 2026: Daraja vs Kopo Kopo vs PesapalThe Kenyan M-PESA payment gateway landscape compared for 2026. Setup complexity, fees, features and honest best-for across Daraja direct, Kopo Kopo, iPay, Pesapal, Cellulant and Flutterwave.
- M-PESA Payment Gateway vs Till (2026): the decision guideWhen your business genuinely needs a full payment gateway versus when a Lipa na M-PESA till is enough. Decision tree and cost math for 2026.
- M-PESA POS Integration Kenya 2026: Veira, Uzapoint, Pesapal, Loyverse, Zed, OdooHow Kenyan POS systems connect to M-PESA in 2026. Fair comparison of the leading options, integration model, monthly cost range and honest best-for.
- M-PESA Reconciliation Mismatch (2026): the diagnostic ladderA working diagnostic ladder for M-PESA till reconciliation mismatches. Isolate typos, duplicates, wrong-till payments, staff reversals, timing lag and pilferage in order.
- M-PESA Settlement Time (2026): when the money actually landsWhen Safaricom pays your M-PESA till or paybill balance into your bank in 2026, layered by rail and cadence.
- M-PESA STK Push Integration 2026 (Lipa na M-PESA Online)Complete STK Push (Lipa na M-PESA Online) integration walkthrough for 2026. Request body, callback body, common errors and the retry patterns that survive production.
- M-PESA Till Charges for Businesses (2026): what the merchant paysThe business-lens breakdown of Lipa na M-PESA Buy Goods charges for 2026. Customer pays zero, merchant carries the banded percentage on settlement.