How to Apply for Pochi La Biashara

Pochi La Biashara is a digital financial product that allows business owners such as food vendors, small kiosk owners, boda-boda operators, secondhand clothes dealers, and other informal business operators to receive and separate business funds from personal funds on their existing M-PESA line. The service creates a virtual business account on your current SIM card without requiring a new mobile number or till.

Who Can Apply for Pochi La Biashara?

To be eligible for Pochi La Biashara, you must:

  • Be a Safaricom customer
  • Have an active M-PESA account registered on your SIM card
  • Own or operate a small business (formal or informal)
  • Be willing to separate business and personal finances

The service is particularly designed for:

  • Food vendors and restaurants
  • Small kiosk and retail shop owners
  • Boda-boda and taxi operators
  • Secondhand clothes dealers
  • Service providers
  • General traders and hawkers

How to Apply for Pochi La Biashara using USSD (*334#)

Step-by-Step USSD Registration Process

Step 1: Initiate Registration

  1. Dial *334# from your Safaricom line
  2. Select M-PESA Services from the main menu
  3. Choose "Pochi La Biashara" option (usually option 6 or 7)
  4. Select "Register" or "Open Account"
  5. Read and accept terms and conditions

Step 2: Provide Basic Information

  1. Enter Your Name: Full names as per National ID
  2. Confirm Phone Number: Verify Safaricom number registration
  3. Provide ID Number: National ID or passport number
  4. Set Account PIN: Create secure 4-digit PIN (different from M-PESA PIN)
  5. Confirm PIN: Re-enter PIN for verification

Step 3: Business Information

  1. Business Name: Enter your business/trading name
  2. Business Type: Select from provided categories:
    • Retail/Shop
    • Restaurant/Food
    • Services
    • Agriculture
    • Transport
    • Manufacturing
    • Other (specify)
  3. Business Location: County and nearest town
  4. Expected Monthly Revenue: Select revenue range

Step 4: Complete Registration

  1. Review Information: Verify all details are correct
  2. Submit Application: Final submission of registration
  3. Receive Confirmation: SMS confirmation with account details
  4. Account Activation: Account automatically activated
  5. Receive Welcome Kit: SMS with account number and instructions

 

How to Apply for Pochi La Biashara using MySafaricom App

Step-by-Step App Registration

Step 1: App Setup

  1. Download MySafaricom App from Google Play Store or App Store
  2. Install and Launch the application
  3. Log In with your Safaricom number
  4. Verify Identity with OTP sent to your phone
  5. Navigate to Business Services section

Step 2: Pochi La Biashara Registration

  1. Select "Pochi La Biashara" from business services
  2. Choose "Register New Account"
  3. Read Terms and Conditions thoroughly
  4. Accept Agreement to proceed with registration
  5. Begin Registration Process

Step 3: Personal Information

  1. Verify Personal Details: Confirm pre-filled information
  2. Upload ID Document: Take photo of National ID or passport
  3. Verify Address: Confirm residential address information
  4. Emergency Contact: Provide alternative contact person
  5. Confirm Accuracy: Review all personal information

Step 4: Business Profile Setup

Business Details:

  1. Business Name: Official or trading name
  2. Business Description: Brief description of products/services
  3. Business Category: Select from comprehensive list:
    • Agriculture and Farming
    • Arts and Crafts
    • Automotive Services
    • Beauty and Personal Care
    • Construction and Building
    • Education and Training
    • Financial Services
    • Food and Beverage
    • Health and Medical
    • Information Technology
    • Manufacturing
    • Professional Services
    • Retail and Wholesale
    • Transportation
    • Other Services

Business Location:

  1. County: Select your county of operation
  2. Sub-County: Choose specific sub-county
  3. Town/Market: Nearest town or market center
  4. Physical Address: Detailed business location
  5. GPS Coordinates: Optional location marking

Business Operations:

  1. Years in Operation: How long you've been in business
  2. Number of Employees: Business size indicator
  3. Monthly Revenue Range: Expected income brackets
  4. Primary Customers: Individual, business, or mixed
  5. Payment Methods Currently Used: Cash, mobile money, etc.

Step 5: Documentation Upload (Optional)

Business Documents:

  • Business Permit: County/municipal trading license
  • KRA PIN Certificate: Tax registration document
  • Business Registration: Certificate of incorporation or business name
  • Bank Account Details: Business bank account information

Additional Documents:

  • Proof of Location: Lease agreement or ownership documents
  • Professional Licenses: Industry-specific certifications
  • Insurance Documents: Business insurance certificates
  • References: Business or character references

Step 6: Final Setup

  1. Review Complete Profile: Comprehensive information review
  2. Set Security Preferences: PIN and security question setup
  3. Configure Notifications: SMS and app notification preferences
  4. Submit Registration: Final application submission
  5. Await Approval: Usually immediate for basic registration

How to Apply for Pochi La Biashara at Safaricom Shop

Required Documents

Mandatory Documents:

  • National ID: Original and photocopy
  • Safaricom Line: SIM card registered in your name
  • Passport Photo: Recent photograph

Optional Business Documents:

  • Business permit or license
  • KRA PIN certificate
  • Bank account details
  • Proof of business location

Information to Prepare

Personal Information:

  • Full names as per ID
  • Date of birth
  • Residential address
  • Alternative contact person
  • Next of kin details

Business Information:

  • Business name and description
  • Type of business operations
  • Business location and address
  • Expected monthly revenue
  • Number of employees
  • Years in operation

Shop Registration Process

Step 1: Shop Selection and Visit

  1. Locate Suitable Shop: Find Safaricom shop with business services
  2. Check Operating Hours: Ensure adequate time for registration
  3. Gather Documents: Bring all required and optional documents
  4. Plan Visit Timing: Avoid peak hours for faster service

Step 2: Registration Assistance

  1. Request Pochi La Biashara Registration: Speak with customer service
  2. Document Verification: Staff verify identity documents
  3. Form Completion: Complete registration form with assistance
  4. Information Verification: Confirm all details are accurate
  5. Biometric Capture: Fingerprint or photo capture if required

Step 3: Account Setup

  1. Account Creation: Staff initiate account creation process
  2. PIN Setup: Set secure account access PIN
  3. Service Activation: Activate required business services
  4. Testing: Test account functionality with staff assistance
  5. Training: Basic training on account usage

Step 4: Completion and Follow-up

  1. Receive Confirmation: Get registration confirmation receipt
  2. Account Details: Receive account number and access information
  3. Contact Information: Get support contact details
  4. Follow-up Schedule: Plan for any required follow-up visits
  5. Additional Services: Information about additional business services