M PESA
PAYBILL
BACKGROUND
This is a cash collection service that allows your organisation to collect money on a regular basis from your customers through
M-PESA. The paying customers will be assigned a uniquely identifying account number by your organization to help with
automatic funds allocation and reconciliations.
The solution also allows you access to different channels to manage your funds and get real time reports for transactions made
on your Paybill account at no extra cost.
Channels of Access
• USSD *234# > Merchant Services
• M-PESA Web Portal
• M-PESA Business App
• M-PESA Integration
New application can be made online via https://m-pesaforbusiness.co.ke/
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USSD *234#
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CHANNEL OPT IN *234#
USSD Service Welcome to M-PESA Review Ts &Cs of service Dear *Name*, Your M-
Enter Buy Goods/Pay
00. M-PESA PIN Manager merchant services which for merchants available at PESA details for *Paybill
Bill number:
enables you to receive and www.safaricom.co.ke Name* has been created.
0. Fuliza M-PESA
Make Payments. Activate Your Operator ID is ** and
1.M-PESA Products
****** now? your start PIN is ****.
2.M-PESA Business Till
Kindly change your PIN by
3.M-PESA Agent Services
1. Yes 1. Accept dialing *234*4# go to
4.Merchant Services
2. Not Today 2. Decline Account Services. Select
5.M-PESA Information change PIN, use start key
98. MORE as the old PIN and create
new PIN
C ANCEL SEND CANCEL SEND C ANCEL SEND C ANCEL SEND C ANCEL SEND
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SET NEW PIN *234#
USSD Service Set a New Operator PIN
Enter Buy Goods/Pay
00. M-PESA PIN Manager first to Proceed
Bill number:
0. Fuliza M-PESA
1. Set New PIN • Enter Operator ID
1.M-PESA Products
2. Exit • Enter Old PIN
2.M-PESA Business Till
• Enter New PIN
3.M-PESA Agent Services
• Confirm New PIN
4.Merchant Services
5.M-PESA Information
Wait for confirmation SMS
98. MORE
C ANCEL SEND CANCEL SEND C ANCEL SEND
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WITHDRAW FUNDS *234#
USSD Service Merchant Services
Enter Buy Goods/Pay
00. M-PESA PIN Manager 1. Bank – Withdraw all or specify amount
Bill number:
0. Fuliza M-PESA 1. Withdraw Cash
2. Roll up to Head Office – Transfer
2. Make Payments *
1.M-PESA Products funds from stores to the Head Office for
3. Account Services
2.M-PESA Business Till aggregated Paybills
3.M-PESA Agent Services 3. Set Auto Schedule Withdrawal –
4.Merchant Services Schedule auto recurring withdrawal to
Bank
5.M-PESA Information
98. MORE
* Service not available
C ANCEL SEND CANCEL SEND C ANCEL SEND
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ACCOUNT SERVICES *234#
USSD Service Merchant Services
Enter Buy Goods/Pay
00. M-PESA PIN Manager
Bill number:
0. Fuliza M-PESA 1. Withdraw Cash 1. Change PIN
2. Make Payments * 2. Check Balance
1.M-PESA Products
3. Account Services 3. Sim Swap *
2.M-PESA Business Till
3.M-PESA Agent Services
0.Back
4.Merchant Services
5.M-PESA Information
* Service not available
98. MORE
C ANCEL SEND CANCEL SEND C ANCEL SEND
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WEB PORTAL
https://org.ke.m-pesa.com/
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ADMINISTRATOR LOGIN
Administrator first log in to - M-PESA Organization Portal
• Launch the link from any of the browsers: https://org.ke.m-pesa.com
• Enter the Shortcode which is the Paybill number
• Enter username received on email
• Enter the first-time password received on the same email – the password is case
sensitive (full stop is not part of the password).
• Enter the Verification Code displayed then click log in
• Enter OTP sent on SMS to proceed to the change password page
• Enter the first-time password on email, then proceed to set new password,
• Confirm password, security questions and security answers which are mandatory.
The Password must meet the password rules as instructed
• Submit to successfully activate the Business Administrator account
After the above steps, the Business Administrator will have to log in with the newly
set password then enter OTP for a successful log in
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USER MANAGEMENT
Predefined user roles Creating or adding users
The Business Administrator will proceed to create portal access for other users with • Business Administrator logs in
the roles below: • Click on Browse Organization
• Business Administrator-Creates and manages other users. • Click on Operators menu
• Business Web Operator– Initiates transactions. Can access statements and • Click the Add button
balances • Select Web for access channel and enter Username and click Next
• Business Manager- Initiates and approves transactions, withdraws funds to the • Select Rule Profile: Web Operator Rule Profile, Click Add
bank, and accesses statements and balances • Select desired Role, and click OK
• Business Auditor- View /Ready only rights • Click Next, then key in operator’s KYC as per there ID details
• Select Preferred Notification Channel (SMS or Email),enter the email address and
Please note that only Safaricom can create or close a Business Administrator phone no. MSISDN where credentials and OTP will be sent
account • Click Next, review the details, and Submit.
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WITHDRAW FUNDS TO BANK
Step 1: Moving funds from Utility to MMF account Step 2: Organization withdrawal to the bank
This can be done by both Business Web Operator and Business Manager. • Only a Business Manager can perform this step.
• Business Web Operator or Manager will Log in to MPESA • Business Manager logs in
• Click on My Functions • Click on Browse Organization or My Functions
• Select Operations • Select Initiate Transaction
• Under ‘Initiate revenue settlement’ select ‘All organizations’ then Submit • Under transaction service select Organization Withdrawal from MPESA Real Time
• Enter amount (Amount should be above KSh 5,000)
• Enter the Reason and Submit.
✓ No approval is required
✓ Funds will be sent to the bank account you provided at the time of applying for
your Paybill number
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STATEMENTS
Viewing and downloading statements M-PESA Paybill reversals
Can be done by both, the manager, operator, or Auditor. Can be done by both, the manager, operator, or auditor.
• User logs in to M-PESA portal • User logs in to M-PESA portal
• Select Browse Organization • Select Browse Organization
• Select Review Transaction • Select Review Transaction
• Select the desired account type (Utility, MMF/ Working Organization settlement • Select the desired account type (Utility, MMF/ Working Organization settlement
account) account)
• Select the desired transaction status tab (Completed OR All transactions) • Select the desired transaction status tab (Completed OR All transactions)
• Select completion Date and Time range and click Search • Select completion Date and Time range and click Search
• Select the preferred format under export button • On the right column of the statements page, find the ‘Reverse’ menu.
• A user with Web Operator role shall initiated while a Business Manager user
The portal will offer statements up to 6 months old approves
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STATEMENTS
Viewing and downloading statements
Can be done by both, the manager, operator, or Auditor.
• User logs in to M-PESA portal
• Select Browse Organization
• Select Review Transaction
• Select the desired account type (Utility, MMF/ Working Organization settlement
account)
• Select the desired transaction status tab (Completed OR All transactions)
• Select completion Date and Time range and click Search
• Select the preferred format under export button
The portal will offer statements up to 6 months old
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AGGREGATED STATEMENTS
Aggregated Paybills are those where there are several Paybill store numbers How to view statement for Aggregated Paybills
consolidated under one Head Office Paybill number. Can be done by both, the manager, operator, or auditor.
• User logs in to M-PESA portal
This makes fund management easier as the user will not be required to maintain • Select Browse Organization
several log in credentials for each.
• Select Children menu on the left of the page to display the list of the stores under
that Head Office
For aggregation to be done, all the Paybill stores must be linked to one bank • Highlight the store you would like to view and click the More menu of the right
account, which must also be the same one the Head Office Paybill is linked to.
• Select Review Transaction
• Select the desired account type (Utility, MMF/ Working Organization settlement
The customer transactions and statements are however found at the Store level account)
where the transaction happens, and not the Head Office.
• Select the desired transaction status tab (Completed OR All transactions)
• Select completion Date and Time range and click Search
• On the right column of the statements page, find the ‘Reverse’ menu.
• A user with Web Operator role shall initiated while a Business Manager user
approves
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TRANSACTION APPROVALS
How to approve transactions
Only a Business Manager can approve a transaction. For Paybills the transaction to
be approved is usually a reversal one.
• User logs in to M-PESA portal
• Select My Tasks
• Select Group Tasks
• Enter the Date within which the transaction was initiated and click Search to view
the records
• Select the Operation button on the right column of the record to be approved
• Scroll to the bottom of the page to view the option to Approve or Reject the
transfer.
• Enter a comment and Submit
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REVERSAL OF FUNDS
M-PESA Paybill Reversals
Reversal refers to cancellation and returning of funds to the sender.
This can be done by both, the manager, operator, or auditor.
A user with Web Operator role shall initiate while a Business Manager user approves
• User logs in to M-PESA portal
• Select Browse Organization
• Select Review Transaction
• Select the desired account type (Utility, MMF/ Working Organization settlement
account)
• Select the desired transaction status tab (Completed OR All transactions)
• Select completion Date and Time range and click Search
• On the right column of the statements page, find the ‘Reverse’ menu.
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B2B PAYMENT
Business-to-Business (B2B) Payment service is a value-added service that allows organizations to make payments to other organizations. The organization must have an existing
M-PESA shortcode from which the payment is to be made.
The organization requires to fill in the B2B application form capturing all their shortcode to use in making payments as well as all organizations’ shortcodes to receive funds.
Please visit our M-PESA B2B website and download the B2B application form. You may also contact our support team on [email protected]
for further queries.
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M-PESA BUSINESS APP
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M-PESA BUSINESS APP
For the paybill service, the M-PESA Business App offers a
view only functionality. This enables you to view your
paybill statements on a friendly interface.
To perform a transaction, please used the *234# USSD
option or the M-PESA Web portal as highlighted in the
pages before this.
The App is available for Android and iPhone smart devices.
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M-PESA INTEGRATION
https://developer.safaricom.co.ke/
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M-PESA INTEGRATION APIs
▪ Integration enables you to automate your M-PESA payment and reconciliation processes.
▪ M-PESA API integration ensures there is real-time automated reconciliation and execution of tasks between M-PESA and
the business internal systems, thereby eliminating need for manual processes which may be time consuming.
▪ With integration done successfully, you will be able to securely access your Paybill funds and reports directly from your
internal systems without need to log into our M-PESA portal
▪ For example, a bank, SACCO and other financial institutions may automate customer deposits so that any transaction
made by their customer through M-PESA gets automatically updated on their account in real-time. Integration also applies
to other sectors such as utility companies, retail outlets among others.
▪ To undertake M-PESA Integration, kindly liaise with a qualified integrating company.
▪ Talk to our API Support team on [email protected] for any query regarding M-PESA integration.
▪ Further details are available from our Daraja 2.0 portal https://developer.safaricom.co.ke/
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PAYBILL TARIFF
Mgao Tariff Business Bouquet Tariff Customer Bouquet Tariff
Min Max
Customer Business Total Customer Business Total Customer Business Total
1 49 0 0 0 0 0 0 0 0 0
50 100 0 0 0 0 0 0 0 0 0
101 500 5 0 5 5 0 5 0 5 5
501 1,000 10 0 10 10 0 10 0 10 10
1,001 1,500 10 5 15 15 0 15 0 15 15
1,501 2,500 13 7 20 20 0 20 0 20 20
2,501 3,500 16 9 25 25 0 25 0 25 25
3,501 5,000 16 18 34 34 0 34 0 34 34
5,001 7,500 17 25 42 42 0 42 0 42 42
7,501 10,000 18 30 48 48 0 48 0 48 48
10,001 15,000 18 39 57 57 0 57 0 57 57
15,001 20,000 19 43 62 62 0 62 0 62 62
20,001 25,000 20 47 67 67 0 67 0 67 67
25,001 30,000 20 52 72 72 0 72 0 72 72
30,001 35,000 21 62 83 83 0 83 0 83 83
35,001 40,000 23 76 99 99 0 99 0 99 99
40,001 45,000 23 80 103 103 0 103 0 103 103
45,001 50,000 24 84 108 108 0 108 0 108 108
50,001 70,000 24 84 108 108 0 108 0 108 108
70,001 250,000 24 84 108 108 0 108 0 108 108
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MORE ON M-PESA
Bulk Payment - The Bulk Payment service (Business to Customer - B2C) enables an organization to make payments/disbursements from a given M-
PESA shortcode to mobile phones of individuals in real-time at the click of a button e.g., Salary payments, Dividend payments, Sacco payments.
Bill Manager - This is a digital service that gives businesses and their customers a one-stop end-to-end platform to send, receive, pay, and
reconcile all Paybill payments. Businesses can issue invoices, send payment reminders, update M-PESA payments in real-time, and
reconcile other payments from a simple and secure access portal.
M-PESA APIs- Integrate your internal systems with M-PESA for automated payment processing and reconciliations.
Business One Account – Enable your organization to use a single Lipa na M-PESA shortcode to collect and disburse funds. This solution
consolidates Paybill and Bulk Payments services in a single shortcode.
M-PESA Ratiba – Your customers can now set up standing order payments on M-PESA for services such as paying rent, utility bills, or
school fees, among others.
Talk to us on [email protected] and know how you can use these services for your business. You can also apply for the
services online at https://m-pesaforbusiness.co.ke/
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M-PESA SUPPORT
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