M-PESA Business One Account

The Business One Account service enables organizations to use one Lipa na M-PESA short code to collect and disburse funds. Therefore, organizations given either Paybill or B2C or both can be onboarded with one account product. For new customers, the products will be added during the onboarding process.

Benefits

1.Organizations can now access both Paybill   and B2C services from a single short code

2. Organizations can use the funds on Paybill account as float for B2C disbursements without need to make a B2B transfer or bank float deposit
3. Instant B2C float availability as opposed to bank float deposit which may take up to three days for cheque deposits
4. View all Paybill and B2C reports on a single statement.

Use cases for M-PESA business one account.

• Banks, MFI and SACCOs for loan disbursements and repayments, Deposit of money from bank account directly to M-PESA account.
• Insurance: Policy payment collection and Claims settlement
• Salaries disbursement and repayment collections for companies
• Promotional payments: Payment of cash prizes for winners
• Business Payments: Payment of small supplies, petty cash, daily wages
• Dividend Payments: Annual dividend payments for publicly listed companies
• Government Organizations, NGOS and FBOs: Collect revenues and make disbursement of various project funds, relief funds, development.

One account- How to apply.

1. Customers who do not have either Paybill or Bulk Payment (B2C) products

• You will be required to apply for a Paybill and B2C services first.
• Share authorization form filled by at least two company directors or authorized signatories.
• Tariff guide signed by at least two company directors or authorized signatories.
• Fill application form.
• Provide relevant KYC documents as required for short code application.
• Please apply online on https://m-pesaforbusiness.co.ke/ or by printing and filling the application form attached on this page and providing the relevant business documentation outlined on the Lipa na M-PESA Requirements document.

Customers with existing Paybill and B2C products

• Share authorization form filled by at least two company directors or authorized signatories.
• Tariff guide signed by at least two company directors or authorized signatories.
• Print and fill and the application form attached on this page and providing the relevant business documentation outlined on the Lipa na M-PESA Requirements document. Send these via email to This email address is being protected from spambots. You need JavaScript enabled to view it. or to your account manager for processing.

2. Customers with either Paybill or B2C products

• Share authorization form filled by at least two company directors or authorized signatories.
• Tariff guide signed by at least two company directors or authorized signatories.
• Fill application form.
• Print and fill and the application form attached on this page and providing the relevant business documentation outlined on the Lipa na M-PESA Requirements document. Send these via email to This email address is being protected from spambots. You need JavaScript enabled to view it. or to your account manager for processing.

  Note: All documents must be signed and stamped.

M-PESA Business One Account Application Forms

Application Form

One Account Tariff Form

M-PESA One Account Authorization Form

Frequently asked questions