Pochi la Biashara Charges Calculator (Kenya)

This Pochi la Biashara charges calculator estimates the cost of receiving and moving money on Pochi, so you know your real take-home on each sale.

By Veira Team, Kenya SME toolsPublished June 2026Updated June 2026

Calculator

Amount received (KES)

Will you withdraw this as cash?

Result

You keep KES 1,000 of KES 1,000

Amount receivedKES 1,000

Cost to receive on PochiKES 0 (receiving is free to you)

Agent withdrawal feeNone (not withdrawn)

Net to youKES 1,000

Receiving money on Pochi la Biashara is free to the business. A cost only arises if you withdraw the money as cash at an agent. Withdrawal tariffs change, so confirm the current rate. Keeping money digital and paying suppliers directly avoids the withdrawal fee.

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Where Pochi actually costs you money

Pochi la Biashara lets a small trader receive customer payments separately from personal money, and receiving is free to you. The cost shows up only when you withdraw cash at an agent, on the standard withdrawal tariff.

The practical lesson is to keep money digital where you can. If you pay suppliers, rent or stock straight from the wallet, you avoid the withdrawal fee entirely. Withdraw only what you genuinely need as cash.

Worked examples

Keep it digital

Receive KES 1,000 on Pochi: cost KES 0.
Pay a supplier from the wallet: still KES 0 in withdrawal fees.

Frequently asked questions

Does Pochi la Biashara charge to receive money?

No. Receiving customer payments on Pochi la Biashara is free to the business. A charge only applies when you withdraw the money as cash at an agent.

How do I avoid Pochi charges?

Keep the money digital. If you pay suppliers, stock or rent directly from the wallet rather than withdrawing cash, you avoid the agent withdrawal fee entirely.

Are the withdrawal fees fixed?

No, withdrawal tariffs are banded by amount and change over time. Treat this as an estimate and confirm the current tariff for the exact figure.

Is Pochi better than a till for my shop?

Pochi suits very small traders who mainly need to separate business from personal money. A till or a POS adds reconciliation, eTIMS invoices and reporting, which matter as you grow.

Does Veira work with Pochi?

Veira records the sale behind each payment so your books reconcile, whether the money arrives on Pochi, a till or in cash.