Lipa na M-Pesa: Paybill and Buy Goods Explained

Lipa na M-Pesa lets you pay businesses without cash.

Paybill vs Buy Goods

Paybill is for bills and accounts. Buy Goods (Till) is for shops.

Costs

Published guides say customers are not charged for Till payments. Paybill costs depend on the business.

Pay safely

Check the business name before you confirm.

Frequently asked questions

Do I need an account number?

For Paybill, yes. For a Till, no.

Last updated: October 2026. Loan Apps Kenya is an information website. We are not a lender and do not guarantee loan approval. ZangCash connects customers with independent businesses and providers. Borrow only what you can repay, and check that any lender is licensed by the Central Bank of Kenya (CBK) before you share personal details.