M-PESA for Business

What M-PESA for Business does

M-PESA for Business is a merchant account management app from Safaricom PLC for businesses that collect payments through the Lipa Na M-PESA network. It brings payment tracking, money movement and basic business reporting into one place, making it most useful for shop owners, operators and teams managing one or more tills.

Useful tools for daily business control

The main dashboard gives you a view of money coming in and going out, with performance graphs that can help identify busy periods and changes in trading activity. Transaction statements can be reviewed and filtered, which is practical when checking payments or reconciling records.

• Manage multiple till numbers under one nominated number.
• Pay customers and suppliers through the available B2C and B2B payment options.
• Withdraw collected funds or move them using the app’s roll-up function.
• Review business activity without relying on separate payment records.

Where it fits—and where it does not

This is a utility-first financial app rather than a full accounting package. It can improve visibility over M-PESA collections and reduce the need to move money through a personal account before making business payments. However, businesses needing invoicing, payroll, stock control or detailed bookkeeping will still need other tools.

The app is also tied closely to Safaricom’s merchant services. Initial setup may require Safaricom mobile data, which can be inconvenient for users working from Wi-Fi-only devices or connections outside that network. Its interface prioritises access to transactions and money-management actions over visual polish.

Track record

With a 4.43 rating from 64,308 ratings and 1,000,000+ installs, M-PESA for Business has broad adoption among Android users. It suits merchants who want a clearer view of their M-PESA activity and direct control over business disbursements, especially when several tills or outlets are involved.