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Easy Guide to Getting Your Own MPESA Till or Paybill 2025

Mpesa Till numbers and Paybill numbers are Safaricom services used daily by millions to send and receive payments.

If you’ve ever bought groceries, paid school fees, or settled an electricity bill in Kenya, chances are you’ve tapped into M-PESA’s magic—Till Numbers and Paybill Numbers. These codes are everywhere, fueling our daily transactions. But what if you’re the one running a business, a school, or even fundraising for a cause? How do you get your own?

This guide breaks down the processes of applying for an Mpesa Till Number and Mpesa Paybill Number without the jargon. Think of it as your roadmap to joining Kenya’s cashless economy.

mpesa till applicationmpesa paybill application

First, What’s the Difference between Mpesa Till and Mpesa Paybill?

Difference Between Till and Paybill

Perfect for retail shops, restaurants, boutiques, or online hustles. Customers pay directly into your M-PESA without typing extra account numbers. Money goes straight to your till, and you can either withdraw it to the bank or use it to pay suppliers directly.

Designed for organizations, schools, hospitals, utilities, or SACCOs. Customers enter your Paybill plus an account/reference number (e.g., “Student Name,” “Policy Number”). Great for structured payments where tracking who-paid-what matters.

What You Need Before Applying

Safaricom doesn’t just hand these out like sweets—you need paperwork. Here’s your checklist:

📄 Application Requirements

📝

Filled application form (from Safaricom’s portal)

🆔

Valid ID (National ID/Passport)

✍️

Signed M-PESA terms and conditions

🏦

Bank account details (letter from bank or cancelled cheque)

📱

Safaricom line in your name (to manage and receive notifications)

📁

Business documents (registration certificate, KRA PIN, or permit depending on the type of Paybill)

Application Guide for Paybill and Till Number

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M-PESA Business Numbers Guide

  1. Head to the M-PESA for Business portal.
  2. Click Apply Now under “M-PESA Business Till.”
  3. Choose:
    • Individual Till → funds settle in your personal M-PESA
    • Business Till → funds settle in your business account
  4. Fill in your details and upload your ID.
  5. Submit. You’ll get a confirmation message once it’s in motion.

🔑 Pro Tip: If you’re just starting small (online shop or kibanda), the Individual Till works fine. You can upgrade later.

Final Word

In Kenya’s fast-moving digital economy, having a Till or Paybill isn’t just convenient—it’s essential. It tells your customers you’re legit, keeps your money safer, and gives you a clear record of transactions.

So, whether you’re selling mitumba on Instagram, running a SACCO, or raising funds for a community cause, getting your own M-PESA Till or Paybill is a game-changer.

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