The M-PESA Business till is an enhancement of the existing Lipa Na M-PESA Buy Goods till that enables business owners to collect payments on the till and use the money collected to make other transactions directly from their till.

The M-PESA For Business till is Ideal for businesses in retail, such as supermarkets, restaurants, hardware, pharmacies, boutiques, salons etc. that collect money from customers regularly as part of their business.

The Product can be accessed via USSD *234*2# or via app M-PESA for Business App. M-PESA for Business App allows businesses to better visualize their payment collections and spend, see full statement and transact directly from the app. The app provides users a faster and simpler payment experience.

To apply for M-PESA Business till click on this link:  

To Download the M-PESA for Business App for Android click on this link

To Download the M-PESA for Business App for IOS click on this link

What’s great about this service

This product provides a one stop account for collecting and making payments directly from the till enabling them to separate their personal M-PESA payments from business payments. The following are the services available under this product.

  1. Receive payments from other Businesses and Customers
  2. Make payments
    1. Pay another business from the till – Pay bill or Buy Goods
    2. Make payments to Customers
  3. Withdraw funds
    1. To the owner nominated number
    2. To Bank
    3. At M-PESA Agent
  4. Sell Airtime to customer using collected funds and earn commission

Rates and Charges

What are the charges for the new M-PESA Business till transactions?

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Pay to another Buy Goods Till0.25 % capped at 200/-
Pay to a mobile number (B2C)Existing M-PESA Send Money charges apply
Pay to a utility till (Pay bill C2B)Standard Paybill charges apply
Withdraw at agentStandard agent withdrawal charges
Sell Airtime to customerStandard Agent Airtime commission rates


  • The business owner will be charged a maximum of 0.5% and not more than KShs.200 per transaction for money collected on the till.
  • Collections of Ksh 200 and below are FREE.
  • There are no customer charges for payments made using Lipa na M-PESA Buy Goods except for payments made at fuel stations.