Before we go through the hectic application process, let’s answer the question: Which one should you choose? Paybill or Till?

A short answer, it depends.

If you intend to integrate online Mpesa payments into your system, paybill and till (BuyGoods) application requirements are almost similar. So the choice of whether to apply for a paybill or till all depends on how you intend to use it.

If your website requires only and only system online payments i.e. via STK push, then you can go for till. But if at a certain point you will need to track offline payments, then a paybill is the ideal choice since it provides the account number option that can act as a unique identifier for your transaction especially with the hashed numbers on the mpesa callbacks.

Not to limit yourself from the scalability of your application, always go for a Paybill since it has all capabilities a Till has plus an added advantage.

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Requirements

To go live, you will need to provide the following:

All letters and forms should be stamped.

The bank letter should be signed or stamped.

Individual till and bank paybills cannot be used for Mpesa integrations.