Quick answer: Apply for a Lipa na M-Pesa Buy Goods till through Safaricom’s M-PESA for Business portal (or a Safaricom shop). You usually need your National ID, KRA PIN and, for a business till that settles to a bank, a bank letter or cancelled cheque; registered businesses also provide registration documents. Very small sellers can start with Pochi la Biashara on their own line (dial *334#), which needs no paperwork. Check the current requirements on Safaricom’s official channels before you apply.
Till vs Pochi la Biashara vs Paybill
| Option | Best for | How customers pay |
|---|---|---|
| Pochi la Biashara | Very small sellers and side hustles | Send money to your phone number as a business payment |
| Buy Goods till | Shops, kiosks, salons, market stalls | Lipa na M-Pesa → Buy Goods → till number |
| Paybill | Bills with account numbers (schools, landlords, SACCOs) | Paybill number + account number |
Documents Usually Needed
- National ID (or passport) of the owner/administrator.
- KRA PIN certificate (get one free: see our KRA PIN guide).
- Bank letter or cancelled cheque if settling to a bank account.
- Business registration certificate for registered businesses (see our business registration guide).
- A Safaricom line registered in your name.
Steps to Apply
- Gather the documents above as clear scans or photos.
- Go to Safaricom’s M-PESA for Business portal and choose Buy Goods (Till).
- Choose your business type (individual, sole proprietor or company) and fill in the form.
- Upload documents and submit.
- Wait for SMS confirmation with your till number; set up the administrator and operator access.
- Print your till number clearly and display it where customers pay.
Charges
Safaricom charges merchants a small fee on some payments, depending on the product and amount. Check the current tariff in the M-PESA for Business portal before choosing an option.
Tips for Running a Till
- Keep business money separate from personal money.
- Check every payment SMS before releasing goods; fake SMS messages are a common trick.
- Download statements monthly for records and taxes.
- Never share your PIN or start key with staff.
Sell Online Too
Customers can also order from you any time with M-Pesa checkout in a free Buy More Mall shop.
Example: From Pochi to a Till
A mitumba seller starts with Pochi la Biashara on her own line so business money stays separate. When sales grow and she rents a stall, she registers a business name, gets a KRA PIN certificate, and applies for a Buy Goods till. She prints the till number big and clear on a board at the stall and checks every payment SMS before handing over goods.
Quick Checklist
- ID and KRA PIN ready
- Correct business type chosen
- Till number displayed
- Statements downloaded monthly
Your First 30 Days
- Week 1: start with Pochi la Biashara if you are testing a side hustle.
- Week 2: get your KRA PIN and gather documents.
- Week 3: apply for a Buy Goods till.
- Week 4: display your till, record daily sales and reconcile with your statement.
Common Mistakes to Avoid
- Mixing personal and business money.
- Releasing goods on a fake SMS.
- Paying "agents" who promise faster till approval.
- Not keeping statements for tax.
Stay safe: never pay a "registration", "activation" or "withdrawal" fee to get paid, and never share your password or M-Pesa PIN. Real online income comes from people paying for your content, products or skills.
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Frequently Asked Questions
How do I get an M-Pesa till number?
Apply on Safaricom’s M-PESA for Business portal or at a Safaricom shop with your ID, KRA PIN and the documents your business type needs.
Can an individual get a till number?
Yes. Individuals and sole proprietors can apply; very small sellers can also use Pochi la Biashara.
What is Pochi la Biashara?
A free business wallet on your own M-Pesa line, opened by dialling *334#, that keeps business payments separate.
How long does till approval take?
Often a few working days when documents are complete.
What is the difference between a till and a paybill?
A till takes simple payments; a paybill uses account numbers for bills.
Cover photo: M-Pesa shops on a busy street. Photo: M-Pesa by Brian Harries, CC BY 2.0.