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How to Apply for Mpesa Business Till Number

Vincent Nyoike
Vincent Nyoike Payment

Mobile payments in Kenya have become widely adopted among businesses. Safaricom through its mobile payment service; Mpesa has revolutionized banking and payment services for many businesses. Lipa na Mpesa is a free payment service for businesses.

You can pay for goods and services using the Lipa na Mpesa business till in a majority of shopping outlets. If you have a small business, you may want to know how to apply for Mpesa till number.

The following is Mpesa till number application process for businesses.  

Requirements for Application of Mpesa Business Till for a Sole Proprietor

If you are a sole proprietor, you need to know how to get a till number for your business. The following are the requirements. 

  • Copy of business registration certificate or business permit
  • A copy of KRA PIN certificate
  • Copy of national ID
  • Letter from a bank providing banking details

Read also: How to start an Mpesa business. 

Requirements for Mpesa Till Number Application for a Limited Liability Company

  • Copy of company KRA pin certificate
  • Copy of certificate of incorporation
  • Letter from a bank providing banking details
  • KRA pin certificates for the directors
  • A filling receipt of the company annual returns

Uses of Lipa na Mpesa Business Till

You can use the Lipa na Mpesa service or the Mpesa paybill number for the following purposes:

  • Receive payments from businesses and customers
  • Withdraw cash through Mpesa or bank
  • Pay another business using “Paybill” or “Buy Goods” or “Mpesa Agent” options
  • Make payments to customers
  • Sell airtime to customers and earn a commission

How to Activate your Till SIM Card

  • Insert the SIM card in a mobile device
  • Dial 212 USSD and select your preferred language
  • Try and make a payment to the till number provided
  • An SMS payment confirmation will be sent to you

How to Activate Lipa na Mpesa Business Till

  • Using a mobile device, dial *234*2# USSD
  • Enter your store number
  • Then accept the terms and conditions
  • You will receive an operator ID and start key
  • Dial *234*2# again and enter your store number
  • Scroll to account services
  • Select change pin
  • Enter the start key as old pin and then create a new pin

Are Mpesa Till Transactions Free?

There is a distinction between Mpesa “Paybill” and Mpesa “Buy Goods and services”. To make a payment using a till number, one has to select the “Buy Goods and Services” option. If your customers use this option, they will incur a transaction cost.

To make a payment using a Pay Bill, you need to select the “Paybill” option. If your customers use this option to make a payment, they will not be charged a transaction cost. The customer will also need to input the account number when paying using the paybill option.

Read also: How to open a business bank account in Kenya.

What to Do When You Send Money to Wrong Paybill

When a customer sends money to the wrong destination, he should contact Safaricom customer care by dialing 100 or 234. If he is on post pay, he should dial 200. You can also assist the customer by dialing 2134 using your till SIM card. Safaricom will contact the business owner and request him to make a reversal. The customer will then receive his money back.

In case you receive payments by mistake in your till, you can make a reversal by forwarding the message to 234.

Business Till Number Minimum and Maximum Amount

Customers can use Lipa na Mpesa option to transact a minimum amount of Ksh 50 and a maximum of Ksh 70,000. If your business is selling goods worth over Ksh 70,000, Lipa na Mpesa may not be the best option to use. A till SIM card can hold a maximum of Ksh 50 million.   

Final Word

Using Lipa na Mpesa to receive payments from your customers is a safe and secure means. With a majority of Kenyans using Mpesa service, you can apply for Mpesa Business Till and start receiving cashless payments. Your customers will not be charged if they use the "Paybill" option. However, they will incur transaction costs if they use the "Buy Goods and Services" option.