How to Use Lipa Na M-Pesa (Buy Goods & Paybill) in Kenya

Lipa Na M-Pesa is a Safaricom payment service that allows you to pay for goods and services directly from your M-Pesa wallet. You can use it via the M-Pesa app, USSD (*334#), or SIM toolkit to pay businesses using a Till Number (Buy Goods), Paybill Number, or Pochi La Biashara.

Quick Answer: To use Lipa Na M-Pesa, go to M-Pesa → Lipa Na M-Pesa → choose Buy Goods or Paybill → enter the Till or Business number → input amount → enter your PIN → confirm. You will receive an SMS confirmation instantly.

📌 What is Lipa Na M-Pesa?

Lipa Na M-Pesa is a cashless payment solution by Safaricom that enables customers to make secure and instant payments to businesses across Kenya. It eliminates the need for cash and supports millions of daily transactions.

🛒 How to Pay Using Buy Goods (Till Number)

Go to M-Pesa menu (App, SIM Toolkit, or dial *334#)
Select Lipa Na M-Pesa
Choose Buy Goods and Services
Enter the Till Number
Enter the Amount
Enter your M-Pesa PIN
Confirm the payment

Best for: Shops, supermarkets, restaurants, salons.

🧾 How to Pay Using Paybill Number

Open M-Pesa
Select Lipa Na M-Pesa
Choose Paybill
Enter the Business Number
Enter the Account Number (e.g. meter number, student ID)
Enter the Amount
Enter your PIN and confirm

Best for: Bills, school fees, subscriptions, loans.

📱 How to Use Pochi La Biashara

Go to M-Pesa
Select Lipa Na M-Pesa
Choose Pochi La Biashara
Enter the business phone number
Enter amount
Enter PIN and confirm

Best for: Small businesses like boda boda, kiosks, and freelancers.

⚙️ Ways to Access Lipa Na M-Pesa

M-Pesa App
USSD (*334#)
SIM Toolkit (Safaricom Menu)

⚠️ Important Tips When Using Lipa Na M-Pesa

Always confirm the business name before entering your PIN
Double-check the Till or Paybill number
Never share your M-Pesa PIN
Ensure you have sufficient balance before paying

🔗 Related Guides (Internal Links)

❓ Frequently Asked Questions (FAQs)

1. What is the difference between Buy Goods and Paybill?

Buy Goods uses a Till Number for direct business payments, while Paybill requires a Business Number and Account Number for tracking specific payments.

2. Is Lipa Na M-Pesa free?

Buy Goods is usually free for customers, while Paybill charges depend on Safaricom tariffs.

3. Can I reverse a Lipa Na M-Pesa transaction?

Yes. You can reverse via SMS or contact Safaricom customer care immediately.

4. What happens if I enter the wrong Till Number?

The money may go to the wrong business. Always confirm the name before entering your PIN. Use the automatic Hakikisha service

5. Can I use Lipa Na M-Pesa without the app?

Yes. You can use USSD (*334#) or the SIM Toolkit.

How To Use Lipa Na M-Pesa In Kenya