Direct M-Pesa B2C Payroll

M-Pesa B2C (Business to Customer) pays individuals directly from a business account. That is exactly what wages are: money moving from your company to a worker, not to a shop or a till. Running payroll on B2C means every shilling has a transaction reference, a recipient and a timestamp — the opposite of a signed cash envelope.

• Bulk cash withdrawn from the bank and carried to site.
• Envelopes counted by hand and signed for in a book.
• A queue of fundis on Friday afternoon waiting to be paid.
• No proof of payment when a worker claims they were short-paid.

Payroll starts from the locked muster roll, so you are paying the people the site actually verified. Every worker has a phone number on their FundiPay record, checked at onboarding against their national ID. When you approve the run, FundiPay sends each wage as an M-Pesa B2C payment through Safaricom's Daraja API.

You watch the run complete live: each worker moves from pending to paid, and any number that fails is flagged immediately instead of being buried in a Friday queue. The whole run normally completes in minutes, not hours.

Each worker receives the standard M-Pesa confirmation SMS on their handset, plus a digital payslip showing gross pay, statutory deductions and net pay. The M-Pesa SMS is the proof of payment; the payslip is the explanation. Together they end most disputes before they start, because the worker can see exactly how their number was arrived at.

Wages must move as B2C from the business account. Paying staff from a personal M-Pesa account blurs the audit trail, mixes company and personal money, and makes it hard to prove wage spend to a developer or the taxman. Safaricom applies tiered per-transaction B2C limits — commonly quoted up to KES 250,000 depending on tier — and ordinary site wages sit far below that ceiling, so limits are rarely a practical obstacle.