M-Pesa POS Integration
Accept Lipa na M-Pesa Directly Inside Your POS
sell.ke integrates with Safaricom's Paybill and Buy Goods (Till) so you accept M-Pesa at the checkout counter — no separate device, no manual SMS reconciliation, no end-of-day headaches.
Why M-Pesa integration matters for Kenyan businesses
Over 60% of retail transactions in Kenya are completed via M-Pesa. Yet most POS systems treat M-Pesa as an afterthought — the cashier takes a screenshot of an SMS and manually enters the amount, creating errors and making reconciliation a daily ordeal.
sell.ke's direct Safaricom API integration means the POS knows the payment happened — including the exact amount, the customer's phone number, and the M-Pesa confirmation code — without any human input. This eliminates under-payment fraud, removes reconciliation errors, and speeds up the queue.
How M-Pesa works inside sell.ke
Customer initiates payment
Your cashier enters the total on sell.ke. The customer pays to your Paybill or Buy Goods number from their M-Pesa menu — nothing extra needed from the customer.
Safaricom confirms in real time
sell.ke receives the STK push confirmation from Safaricom directly. The transaction is matched and approved in under 5 seconds on average.
Receipt is printed automatically
A KRA eTIMS-ready receipt prints with the M-Pesa confirmation code included — no manual copy-paste from an SMS.
End-of-day reconciliation is automatic
sell.ke totals M-Pesa, card, and cash separately in your daily report. No spreadsheet needed — your M-Pesa statement and POS balance should match exactly.
All payment types, one checkout screen
Lipa na M-Pesa Paybill
Business Paybill integration
M-Pesa Buy Goods (Till)
Till number integration
Visa / Mastercard
Via card terminal
Cash
With change calculator
M-Pesa integration — frequently asked questions
What M-Pesa payment types does sell.ke support?
sell.ke supports Lipa na M-Pesa Paybill, Buy Goods (Till), and STK push payments. Your business can use whichever Safaricom merchant type you already have.
Do I need a separate M-Pesa device or terminal?
No. sell.ke receives M-Pesa confirmations directly from Safaricom via API. Your cashier sees the confirmation on the POS screen — no separate phone or Till device required.
How long does M-Pesa confirmation take?
On average under 5 seconds from when the customer presses 'confirm' on their phone. In areas with poor Safaricom coverage it can take up to 30 seconds.
Can I accept M-Pesa without internet?
The M-Pesa API confirmation requires a live internet connection. However, sell.ke's offline mode lets you record cash and card transactions. When internet resumes, M-Pesa payments sync automatically.
How does M-Pesa reconciliation work at month-end?
sell.ke's M-Pesa report shows every transaction with its confirmation code, timestamp, and amount. You can export it and cross-reference directly with your Safaricom statement.
Is there a transaction limit with M-Pesa on sell.ke?
M-Pesa transaction limits are set by Safaricom — individual transactions are capped at KES 150,000 for registered businesses. sell.ke has no additional limits above Safaricom's own rules.
Stop reconciling M-Pesa manually
Connect sell.ke to your Safaricom Paybill or Till and let the system handle confirmations and reporting automatically.
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