{"id":226349,"date":"2025-01-20T05:49:25","date_gmt":"2025-01-20T05:49:25","guid":{"rendered":"https:\/\/jisort.com\/blog\/?p=226349"},"modified":"2025-01-20T07:49:31","modified_gmt":"2025-01-20T07:49:31","slug":"m-pesa-till-numbers","status":"publish","type":"post","link":"https:\/\/www.jisort.com\/blog\/m-pesa-till-numbers\/","title":{"rendered":"How to Use M-PESA Till Numbers to Boost Your Kenyan Business"},"content":{"rendered":"\n<p>If you&#8217;re running a business in Kenya, you&#8217;ve probably heard about M-PESA Business Till Numbers.&nbsp;<\/p>\n\n\n\n<p>These tills, part of Safaricom\u2019s <strong>Lipa Na M-PESA service<\/strong>, are designed to make receiving payments fast, secure, and hassle-free.&nbsp;<\/p>\n\n\n\n<p>This suits you whether you&#8217;re a retail shop owner, run a salon, or sell products and services online.<\/p>\n\n\n\n<p>M-PESA dominates Kenya&#8217;s mobile money scene with over <strong>30 million active users,<\/strong><em> and over 50 million across the continent<\/em>. Leveraging this service ensures you&#8217;re tapping into a trusted and widely used payment system.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is an M-PESA Business Till Number?<\/h2>\n\n\n\n<p>M-PESA Business Till is a sophisticated payment and financial management system tailored for businesses of all sizes.&nbsp;<\/p>\n\n\n\n<p>It&#8217;s particularly well-suited for retail operations such as supermarkets, restaurants, hardware stores, pharmacies, boutiques, salons, delivery services, and online businesses that frequently process customer payments.<\/p>\n\n\n\n<p>There are <strong>two types<\/strong> of tills you can choose from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buy Goods and Services:<\/strong> Ideal for most retail businesses, restaurants, and shops.<\/li>\n\n\n\n<li><strong>Paybill:<\/strong> Commonly used for recurring payments like utilities, schools, or subscriptions.<\/li>\n<\/ul>\n\n\n\n<p>With these tills, you can <strong>collect payments, track transactions,<\/strong> and even <strong>access credit<\/strong> to grow your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Should You Use an M-PESA Business Till?<\/h2>\n\n\n\n<p>Here\u2019s why this service is a game-changer for Kenyan businesses:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1) Versatile Payment Options<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer Payments<\/strong>: Easily receive payments from individual customers.<\/li>\n\n\n\n<li><strong>Business-to-Business Transactions<\/strong>: Accept payments from other businesses, facilitating smoother B2B operations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2) Seamless Outgoing Transactions<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay Other Businesses<\/strong>: Transfer funds directly to other business tills or pay bills.<\/li>\n\n\n\n<li><strong>Customer Refunds<\/strong>: Efficiently process refunds or payments to customers.<\/li>\n\n\n\n<li><strong>Supplier Payments<\/strong>: Pay suppliers directly from the till, streamlining your supply chain finances.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3) Flexible Fund Management<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>M-PESA Withdrawals<\/strong>: Transfer funds to the owner&#8217;s nominated M-PESA account.<\/li>\n\n\n\n<li><strong>Bank Transfers<\/strong>: Move money directly to linked bank accounts.<\/li>\n\n\n\n<li><strong>Agent Withdrawals<\/strong>: Access cash at any M-PESA agent outlet when needed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4) Additional Revenue Streams<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Airtime Sales<\/strong>: Sell airtime to customers using funds in your till.<\/li>\n\n\n\n<li><strong>Commission Earnings<\/strong>: Earn a 5% commission on all airtime sales, creating a new income source. This means, for every KES worth of airtime sold, you bag KES 50 as commission.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5) Enhanced Security Measures<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Operator ID and PIN<\/strong>: Secure access to your business funds and account information.<\/li>\n\n\n\n<li><strong>Transaction Limits<\/strong>: Set custom limits on transactions to prevent unauthorized large transfers.<\/li>\n\n\n\n<li><strong>Activity Logs<\/strong>: Keep track of all account activities for enhanced security and auditing.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6) Real-time Reporting and Analytics<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Instant Transaction Notifications<\/strong>: Receive SMS alerts for all till activities.<\/li>\n\n\n\n<li><strong>Detailed Statements<\/strong>: Access comprehensive transaction histories and financial reports.<\/li>\n\n\n\n<li><strong>Business Insights<\/strong>: Gain valuable insights into your cash flow and customer payment patterns.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">7) Convenient Account Management<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>24\/7 Access<\/strong>: Manage your business account anytime, anywhere.<\/li>\n\n\n\n<li><strong>Multi-platform Support<\/strong>: Use the service via the M-PESA Business App or USSD *234#.<\/li>\n\n\n\n<li><strong>User-friendly Interface<\/strong>: Intuitive design makes navigation and transactions simple, even for non-tech-savvy users.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">8) Financial Services<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Business Loans<\/strong>: Access credit facilities like <a href=\"https:\/\/jisort.com\/boost-ya-biashara\/\" target=\"_blank\" rel=\"noopener\"><em>Boost ya Biashara<\/em><\/a> and M-PESA Business Loan.<\/li>\n\n\n\n<li><strong>Overdraft Facilities<\/strong>: Benefit from short-term credit options to manage cash flow.<\/li>\n\n\n\n<li><strong>Easy payment collection:<\/strong> Customers can send payments directly to your till, saving time and reducing errors.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">9) Easy Integration&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can <a href=\"https:\/\/jisort.com\/blog\/mpesa-paybill-number-integration\/\" target=\"_blank\" rel=\"noopener\">integrate your M-Pesa<\/a> to third party services that support M-PESA API. Think WordPress, QuickBooks, Sage Accounting, etc.\u00a0<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>For <a href=\"https:\/\/jisort.com\/blog\/how-to-start-a-lending-business-in-kenya\/\" target=\"_blank\" rel=\"noopener\">finance-based businesses<\/a> looking to integrate M-PESA transactions with their accounting systems effortlessly, Jisort offers an excellent solution.&nbsp;<\/p>\n\n\n\n<p>As a cloud-based financial management platform, Jisort allows you to track payments, generate reports, and reconcile accounts in real-time.&nbsp;<\/p>\n\n\n\n<p>Learn more about <a href=\"http:\/\/jisort.com\" target=\"_blank\" rel=\"noopener\">Jisort services<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">M-Pesa Business Till Charges and Rates<\/h2>\n\n\n\n<p>Here is a simple breakdown of the charges<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Incoming Transactions<\/strong>:\n<ul class=\"wp-block-list\">\n<li>0.55% charge, capped at KSh. 200 per transaction<\/li>\n\n\n\n<li>Free for collections of KSh. 200 and below<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Outgoing Transactions<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Pay to another Business Till: 0.27%, capped at KSh 200<\/li>\n\n\n\n<li>Pay to a mobile number: Standard M-PESA send money charges apply<\/li>\n\n\n\n<li>Pay to a utility bill: Standard Paybill charges apply<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Withdrawals<\/strong>:\n<ul class=\"wp-block-list\">\n<li>To M-PESA: Standard transfer rates apply<\/li>\n\n\n\n<li>To Bank: Varies based on the receiving bank<\/li>\n\n\n\n<li>At Agent outlets: Standard <a href=\"https:\/\/money.ke\/mpesa-agent-withdrawal-charges\/\" target=\"_blank\" rel=\"noopener\">M-PESA withdrawal charges<\/a> apply<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Airtime Sales<\/strong>:\n<ul class=\"wp-block-list\">\n<li>5% commission earned on all airtime sold<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>For even easier understanding, let\u2019s look at very specific illustrations:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Transaction<\/strong><\/td><td><strong>Fee<\/strong><\/td><td><strong>Example Charge for a Specific Transaction<\/strong><\/td><\/tr><tr><td>Collecting payments<\/td><td>0.55%, max KSh. 200<\/td><td>Collecting KSh. 10,000: 0.55% <strong>= KSh. 55<\/strong><\/td><\/tr><tr><td>Payments under KSh. 200<\/td><td>Free<\/td><td>Collecting KSh. 150: <strong>Free<\/strong><\/td><\/tr><tr><td>Paying another business till<\/td><td>0.27%, max KSh. 200<\/td><td>Paying KSh. 100,000: 0.27% = <em>KSh. 270<\/em>. Amount charged: <strong>KES 200<\/strong><\/td><\/tr><tr><td>Withdrawing to a mobile number<\/td><td>Standard M-PESA charges apply<\/td><td>KSh. 1,000 withdrawal: <strong>KSh. 28<\/strong><\/td><\/tr><tr><td>Merchant withdrawals<\/td><td>Standard agent withdrawal fees<\/td><td>Withdrawing KSh. 20,000: <strong>KSh. 185<\/strong><\/td><\/tr><tr><td>Selling airtime<\/td><td>Earn a 5% commission<\/td><td>Selling KSh. 10,000 airtime: Earn<strong> KSh. 500<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Advanced Security Measures<\/h2>\n\n\n\n<p><strong>\u2714 <\/strong><strong>PIN Management<\/strong>: Regularly update your PIN and never share it<\/p>\n\n\n\n<p><strong>\u2714 <\/strong><strong>Transaction Monitoring<\/strong>: Consistently review your transaction history<\/p>\n\n\n\n<p><strong>\u2714 <\/strong><strong>Multi-factor Authentication<\/strong>: Enable additional security layers where available<\/p>\n\n\n\n<p><strong>\u2714 <\/strong><strong>Employee Access Control<\/strong>: Set up individual operator IDs for staff members<\/p>\n\n\n\n<p><strong>\u2714 <\/strong><strong>Fraud Awareness<\/strong>: Stay informed about common scams and fraud tactics<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Customer Support and Troubleshooting<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dedicated support email: <a href=\"mailto:m-pesabusiness@safaricom.co.ke\">m-pesabusiness@safaricom.co.ke<\/a><\/li>\n\n\n\n<li>Phone support: Available via 100\/200 for general inquiries<\/li>\n\n\n\n<li>In-person assistance: Visit any Safaricom shop for hands-on support<\/li>\n\n\n\n<li>Online resources: Access FAQs and user guides on the Safaricom website<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Apply for an M-PESA Business Till<\/h2>\n\n\n\n<p>Getting an M-PESA Till is straightforward. Here\u2019s how:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step I) Apply online<\/h3>\n\n\n\n<p>Go to the <a href=\"https:\/\/m-pesaforbusiness.co.ke\/\" target=\"_blank\" rel=\"noopener\">Lipa Na M-PESA application portal<\/a> and click <strong>&#8220;Apply Now.&#8221;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose the category that fits your business:\n<ul class=\"wp-block-list\">\n<li>Individual<\/li>\n\n\n\n<li>Sole Proprietor<\/li>\n\n\n\n<li>Limited Liability Company<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Fill in your details.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"956\" height=\"839\" src=\"http:\/\/jisort.com\/blog\/wp-content\/uploads\/2025\/01\/How-to-Use-M-PESA-Till-Numbers-to-Boost-Your-Kenyan-Business-1.webp\" alt=\"How to Use M-PESA Till Numbers to Boost Your Kenyan Business\" class=\"wp-image-226351\" style=\"width:550px\" title=\"\" srcset=\"https:\/\/www.jisort.com\/blog\/wp-content\/uploads\/2025\/01\/How-to-Use-M-PESA-Till-Numbers-to-Boost-Your-Kenyan-Business-1.webp 956w, https:\/\/www.jisort.com\/blog\/wp-content\/uploads\/2025\/01\/How-to-Use-M-PESA-Till-Numbers-to-Boost-Your-Kenyan-Business-1-300x263.webp 300w, https:\/\/www.jisort.com\/blog\/wp-content\/uploads\/2025\/01\/How-to-Use-M-PESA-Till-Numbers-to-Boost-Your-Kenyan-Business-1-768x674.webp 768w\" sizes=\"auto, (max-width: 956px) 100vw, 956px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Step II): Submit required documents<\/h3>\n\n\n\n<p>You\u2019ll need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A copy of your <strong>National ID<\/strong><\/li>\n\n\n\n<li>Your <strong>KRA PIN Certificate<\/strong><\/li>\n\n\n\n<li>Proof of business, like a <strong>Certificate of Registration<\/strong><\/li>\n\n\n\n<li>Bank account details, e.g., a canceled cheque or statement.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step III): Approval and activation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For individuals, processing takes about <strong>10 minutes<\/strong>.<\/li>\n\n\n\n<li>Other business types take up to <strong>24 hours<\/strong>.<\/li>\n\n\n\n<li>Once approved, you\u2019ll receive your <strong>Till Number via SMS.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>You can activate your till by dialing <strong>*234#<\/strong>, selecting &#8220;M-PESA Business Till,&#8221; and setting your PIN.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step IV) Branding:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Download customized Business Till sticker from the &#8216;<em>My Applications<\/em>&#8216; section<\/li>\n\n\n\n<li>Print and display the sticker at your business location<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step V) Notification Setup:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Perform a SIM replacement to get a physical notification SIM card<\/li>\n\n\n\n<li>Insert the SIM into a dedicated device to receive real-time transaction alerts<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Using your M-PESA Business Till effectively<\/h2>\n\n\n\n<p>Once you\u2019ve set up your till, make sure you\u2019re using it to its full potential.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Receiving payments<\/h3>\n\n\n\n<p>Your customers can pay directly into your till number with no charges on their end (except at fuel stations).&nbsp;<\/p>\n\n\n\n<p>For you, the cost is capped at <strong>0.55% per transaction<\/strong> or a maximum of <strong>KSh. 200 <\/strong>per transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Making payments<\/h3>\n\n\n\n<p>Use the funds in your till to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay suppliers or other businesses (<strong>0.27% fee, capped at KSh. 200<\/strong>).<\/li>\n\n\n\n<li>Send money to a mobile number (standard M-PESA rates apply).<\/li>\n\n\n\n<li>Pay bills via utility tills (e.g., electricity or water bills).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Selling airtime<\/h3>\n\n\n\n<p>Want an extra income stream? Use your till to sell airtime and earn a <strong>5% commission.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Managing your account<\/h3>\n\n\n\n<p>Download the <strong>M-PESA Business App<\/strong> or dial <strong>*234*2#<\/strong> to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monitor transactions<\/li>\n\n\n\n<li>Check balances<\/li>\n\n\n\n<li>Access real-time reports<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Tips to maximize your M-PESA Business Till<\/h2>\n\n\n\n<p>To get the most out of your till:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Promote your till number:<\/strong> Use signage, receipts, and social media to let customers know you accept M-PESA payments.<\/li>\n\n\n\n<li><strong>Train your team:<\/strong> Ensure your staff knows how to process payments securely and accurately.<\/li>\n\n\n\n<li><strong>Monitor transactions:<\/strong> Regularly review reports to spot trends and manage finances effectively.<\/li>\n\n\n\n<li><strong>Use credit facilities:<\/strong> Apply for Boost ya Biashara loans to grow your business.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>By leveraging the full potential of the M-PESA Business Till, businesses can not only streamline their payment processes but also gain valuable insights, improve cash flow management, and position themselves for growth in an increasingly digital marketplace.&nbsp;<\/p>\n\n\n\n<p>By adopting this system, you can focus on what truly matters: growing your business.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>M-Pesa till numbers make payments simple. Find out how to apply, use, and maximize this powerful payment solution for your business.<\/p>\n","protected":false},"author":20,"featured_media":226350,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[214],"tags":[],"class_list":["post-226349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lending-business"],"blocksy_meta":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/posts\/226349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/comments?post=226349"}],"version-history":[{"count":2,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/posts\/226349\/revisions"}],"predecessor-version":[{"id":226353,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/posts\/226349\/revisions\/226353"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/media\/226350"}],"wp:attachment":[{"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/media?parent=226349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/categories?post=226349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jisort.com\/blog\/wp-json\/wp\/v2\/tags?post=226349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}