M-PESA Business One Account

The M-PESA Business One Account allows your organization to use one Lipa Na M-PESA short code to both collect and disburse funds. 

This means if your business uses either Paybill, B2C (Bulk Payment), or both, you can now manage them under one account. For new customers, both products can be added during the onboarding process. 

Benefits 

• Access both Paybill and B2C services from a single short code. 

• Use the funds in your Paybill account as float for B2C disbursements. No need for B2B transfers or bank float deposits. 

• Enjoy instant B2C float availability, compared to bank deposits that can take up to three days to clear. 

• View Paybill and B2C reports all in one statement for easier tracking and reconciliation. 

Use Cases 

The M-PESA Business One Account is ideal for: 

• Banks, MFIs, and SACCOs: Loan disbursements and repayments, plus deposits from bank accounts directly to M-PESA. 

• Insurance companies: Collecting policy payments and settling claims. 

• Businesses: Paying salaries and collecting repayments 

• Promotions: Sending out cash prizes and rewards. 

• Dividend payments: For companies paying annual dividends to shareholders. 

• Government organizations, NGOs, and FBOs: Collecting revenues and disbursing funds for projects, relief, or development programs. 

How to Apply 

If you don’t have Paybill or B2C products: 

• Apply for both Paybill and B2C services first. 
• Share an authorization form signed by at least two company directors or authorized signatories. 
• Share the tariff guide signed by at least two company directors or authorized signatories. 
• Fill in the application form. 
• Provide all relevant KYC documents required for short code applications. 
• Apply online at m-pesaforbusiness.co.ke or print and fill out the form attached on this page, then submit it along with the required documentation listed in the Lipa Na M-PESA Requirements document. 

If you already have both Paybill and B2C products: 

• Share an authorization form signed by at least two company directors or authorized signatories. 
• Share the tariff guide signed by at least two company directors or authorized signatories. 
• Print and fill in the application form attached on this page. 
• Submit your form and business documents (as outlined in the Lipa Na M-PESA Requirements document) via email to This email address is being protected from spambots. You need JavaScript enabled to view it. or through your account manager. 

If you have either Paybill or B2C (but not both): 

• Share an authorization form signed by at least two company directors or authorized signatories. 
• Share the tariff guide signed by at least two company directors or authorized signatories. 
• Fill in the application form. 
• Print and fill in the application form attached on this page. 
• Send the form and all required business documents (as outlined in the Lipa Na M-PESA Requirements document) via email to This email address is being protected from spambots. You need JavaScript enabled to view it. or to your account manager. 

Note: All documents must be signed and stamped before submission. 

Download the M-PESA Business One Account Application Forms