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.

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    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

    1

    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.

    2

    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.

    3

    Receipt is printed automatically

    A KRA eTIMS-ready receipt prints with the M-Pesa confirmation code included — no manual copy-paste from an SMS.

    4

    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.

    Related pages

    POS System Kenya

    Full cloud POS overview

    KRA eTIMS POS Kenya

    Tax compliant receipts

    Retail POS Kenya

    For shops & supermarkets

    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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    Where M-Pesa fits in the rest of the system

    Taking the payment is one part. These pages cover what happens around it, and the trades where it matters most.

    Selling at the counter

    Split payments, held orders, manager-gated discounts and a drawer count that reconciles.

    An online shop off the same stock

    A branded storefront on your own domain, reading the same products, stock and prices as the till.

    Reports and real accounting

    Double-entry books — trial balance, P&L, balance sheet — not a CSV export to somebody else's software.

    General retail / duka

    The broad-intent catch-all — links out to the specific trades.

    Restaurant & café

    Kitchen display, recipes that deduct ingredients, modifier groups, table holds.

    Fuel station

    Shift reconciliation, the shop attached to the forecourt, credit customers.

    Comparing options? The best pos system in kenya holds the full picture — twelve features and sixteen trades in one place.