M-Pesa Till Number vs Paybill for Kenyan E-commerce: Which Should You Choose?
Choosing between M-Pesa Till Number and Paybill Number for your online store? This guide breaks down the differences, costs, and which is better for e-commerce.
When setting up M-Pesa payments for your Kenyan e-commerce store, you need to choose between a Till Number (Buy Goods) and a Paybill Number. Each has different features, costs, and use cases.
Till Number (Buy Goods & Services)
- Free for customers (no transaction fee)
- Funds go directly to your M-Pesa account
- Simpler to set up
- Limited automation capabilities
Paybill Number
- Customer pays a small transaction fee
- Account number field for transaction identification
- Better for automated reconciliation
- Supports STK Push via Daraja API
- Required for seamless e-commerce integration
For e-commerce websites, we recommend Paybill with STK Push integration. Our development team handles the technical integration. Get started.
David Esabwa
Co-Founder & Lead Digital Strategist
David Esabwa is the Co-Founder and Lead Digital Strategist at Elite Designs Kenya. Recognized at the Digitally Fit Awards 2026 among Top CEOs Leading Upcoming Digitally Fit IT Firms, David specializes in high-performance web applications, M-Pesa architectures, and data-driven SEO growth systems for Kenyan enterprises.
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