M-Pesa
M-Pesa for Kenyan businesses.
Till, paybill, Pochi la Biashara, charges, limits and reconciliation. Plain-English guides that show you exactly what to do, with real KES figures. 75 guides and counting.
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The complete guide
Lipa na M-Pesa: The Complete Guide for Kenyan Businesses
Lipa na M-Pesa explained for businesses: Buy Goods tills, paybill, Pochi la Biashara, charges and how to choose the right way to get paid in Kenya.
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M-Pesa questions, answered
Should my business use a till number, paybill or Pochi la Biashara?
A Buy Goods till suits shops and restaurants taking face-to-face payments. Paybill suits rent, schools and subscriptions where you need an account number per customer. Pochi la Biashara suits very small traders and hawkers who want payments separate from personal cash. The right choice depends on volume and whether you need to separate customers.
How much does M-Pesa charge a business to receive money?
Buy Goods (till) customer-to-business payments are free to the customer, and the business pays a tiered merchant charge on withdrawal or settlement. Paybill charges depend on your tariff band. Use the M-Pesa fee calculator to see the exact cost for your ticket size before you choose.
Do I still need an eTIMS receipt if the customer paid by M-Pesa?
Yes. M-Pesa confirms payment, it does not satisfy KRA. You still issue a compliant eTIMS tax invoice for the sale. A POS like Veira records the M-Pesa payment and produces the eTIMS invoice in one step.
How do I reconcile M-Pesa payments at the end of the day?
Match each sale recorded at the till to the M-Pesa statement line for that day. Reconciliation catches missed payments, wrong amounts and staff errors. A POS that links every sale to its M-Pesa reference makes this a two-minute job instead of an evening of guessing.
Veira reconciles your M-Pesa payments automatically
Every till, paybill and Pochi payment matched to the sale, no manual matching.