On this page
01. M-Pesa phone02. Till number03. Paybill04. Bank05. Questions to ask yourself06. Our suggestion for most suppliers07. Before you change your payout method08. Security habits09. A typical scenario10. Common mistakes11. Quick checklist12. Frequently asked questions
Choose a Till or bank account if you want clean business records. Use a personal M-Pesa number only if you can keep personal and business money separate. Check current charges and limits with your provider.
Key takeaways
- Separate business and personal money.
- A Till or bank gives cleaner records.
- Check limits and charges with the provider.
01M-Pesa phone
Quick and familiar, but easy to mix with personal spending. Fine to start if you record every transaction.
02Till number
A business identity with its own statement, good for tracking sales.
03Paybill
Suited to businesses with account-based payments and bookkeeping.
04Bank
Best for larger amounts and formal records. Make sure the account name matches your business.
05Questions to ask yourself
- Will I know which payment belongs to which order?
- Could I show this statement to a tax officer or a bank?
- Is the account in a name that matches my business?
- Are daily or monthly limits likely to cause problems?
- Who else can see or access this account?
06Our suggestion for most suppliers
Use a dedicated business channel as soon as you can. A Till or a business bank account gives you a clean statement, keeps personal spending apart and makes it easier to prove your income when you need a loan or a larger account. Until then, a personal number can work if you record every credit carefully.
07Before you change your payout method
- Confirm the new details with the provider.
- Check the account name.
- Update your Qyvea account.
- Check that the next payout arrives correctly.
- Keep the old account open until you are sure.
08Security habits
- Never share your M-Pesa PIN or one-time codes with anyone, including people claiming to be from a platform.
- Use a strong phone lock.
- Check every payout against your statement.
- Report suspicious activity to your provider at once.
09A typical scenario
A vendor moves payouts from a personal number to a business Till so month-end reconciliation takes minutes.
Illustrative example based on common cases, not a named vendor.
10Common mistakes
- Mixing personal and business money.
- Wrong account name.
- Ignoring limits.
11Quick checklist
- Pick one method.
- Confirm the name.
- Keep statements.
12Frequently asked questions
Which is cheapest?
Charges change. Check with Safaricom and your bank.
Can I use two methods?
Choose the one you set in your account.
Which is best for tax records?
A Till or bank statement is easier to match to sales.
Can I change later?
Yes, update your account before the next payout.
This guide describes how supplying through Qyvea works at the time of writing. The Vendor Terms and the Sell on Qyvea page are the final word on fees, returns and payment. Examples marked illustrative are not real vendors or earnings.
