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Wondering: Should I choose a Paybill or a Till (Buy Goods)?

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Paybill vs Till: What to Choose

Your choice depends on how you plan to use M-Pesa:
  • Only collecting online payments via STK push? → Use a Till
  • Need to track offline transactions or require unique account references? → Use a Paybill
We recommend applying for a Paybill for long-term flexibility. It supports everything a Till does, plus more.

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Learn the Process First

Watch this overview from Safaricom before you start:

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Requirements

Prepare these documents: Stamp all documents. Sign or stamp your bank letter.
Personal Till and Paybill accounts cannot be used for M-Pesa API integrations.

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How to Apply

Choose one of these methods:
1

Visit the M-PESA Business Portal

Go to MPESA Business Portal.
2

Create Account or Log In

Create an account or log in with existing credentials.
3

Upload Required Documents

Upload all documents in PDF format. Ensure you’ve stamped and signed everything properly.
4

Submit and Wait

Submit your application. Safaricom processes applications within 72 hours. No response in 24 hours? Check your documents and reapply.

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Option 2: Email Application

1

Compile Documents

Scan all required documents into a single PDF file.
2

Send Email

Email: M-PESABusiness@safaricom.co.ke
CC: paybill@safaricom.co.ke
Subject: Paybill or Till Application
Include your contact information in the email body.
3

Attach and Send

Attach your PDF document and send. Double-check that all documents are complete and properly filled.
4

Wait for Response

Expect a response within 72 hours if all documents are correct. No response in 24 hours? Verify your application and resend.
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