The M-PESA Business till is an enhancement of the existing Lipa Na M-PESA till that enables business owners to receive payments on the till and use the money collected to make other transactions directly from the till. Unlike a regular M-Pesa account, the Business Till is specifically designed for commercial operations, providing a dedicated business wallet that keeps your personal and business finances completely separate.
M-Pesa Business Till Payment Collection
Customer Payments
- Receive payments from individual customers
- Accept payments from other businesses
- Process payments without any charges to customers (except at fuel stations)
- Instant SMS notifications for all incoming payments
Multi-Channel Payment Acceptance
- In-person payments via till number
- Online payments through API integration
- QR code payments through the M-Pesa Business App
- Remote payments for delivery and e-commerce businesses
M-Pesa Business Till Financial Management Tools
Real-Time Reporting
- Access real-time reports and statements for your business transactions
- View daily, weekly, and monthly transaction summaries
- Track money-in and money-out trends through interactive graphs
- Export statements in PDF format for accounting purposes
Balance Management
- Real-time balance visibility on your dashboard
- Separate tracking of collected vs. available funds
- Multi-till management for businesses with multiple locations
Business Analytics
- Performance tracking with visual graphs
- Customer payment pattern analysis
- Peak transaction time identification
- Revenue trend monitoring
M-Pesa Business Till Credit and Financial Services
Access to Business Credit
- Access affordable business credit/loan facilities such as Fuliza Biashara and M-PESA Taasi Till Loan
- Boost ya Biashara overdraft facilities
- Fuliza for Business (instant overdraft up to KES 400,000)
- Term loans based on transaction history
Banking Integration
- Real-Time Settlement (RTS) to 17+ partner banks
- Instant fund transfers to business bank accounts
- Reduced bank-to-M-Pesa and M-Pesa-to-bank charges
M-Pesa Business Till Transaction Capabilities
Outgoing Payments from Your Till:
- Pay Suppliers and Other Businesses
- Buy Goods payments to other businesses
- Paybill payments for utilities and services
- Direct supplier payments for inventory and services
- Customer Transactions
- Send money to customers for refunds
- Pay salaries to employees
- Distribute payments to agents or partners
- Business Operations
- Withdraw money to your personal M-Pesa account
- Transfer funds to bank accounts via Real-Time Settlement (RTS)
- Move money between multiple business locations
- Airtime Sales
- Sell airtime to customers using collected funds
- Earn commission on airtime sales
- Manage airtime inventory directly from the till
