Setting Up M-Pesa Payments

You need an active M-Pesa business account (Paybill or Till number) registered with Safaricom. You also need your Daraja API credentials — consumer key and consumer secret — from the Safaricom Developer Portal. If you do not have API access yet, apply through the Safaricom Business portal. Approval typically takes 2-5 business days.

Go to POS > Settings > Payments and click Add Payment Method. Select M-Pesa. Enter your Paybill or Till number, consumer key, and consumer secret. Click Test Connection — the system verifies your credentials by sending a test query to the Daraja API. Once connected, M-Pesa appears as a payment option on your checkout screen.

During checkout, select M-Pesa as the payment method. Enter the customer's phone number. The system sends an STK push — the customer sees a payment prompt on their phone. They enter their M-Pesa PIN to confirm. The POS waits for confirmation, which typically arrives within 5-15 seconds. Once confirmed, the transaction completes and the receipt generates with the M-Pesa transaction code.

M-Pesa payments appear in your POS transaction log with the M-Pesa transaction code. Go to Reports > Payments to see all M-Pesa transactions alongside card and cash payments. AskBiz reconciles against your M-Pesa statement — upload your Safaricom statement CSV to match transactions and flag any discrepancies. This catches missing payments and double charges.