Primary audience
Micro and small businesses
Retailers, shop owners, market traders, service providers and growing merchants who need practical tools to manage daily business money.
Your business. Your money. One connected experience.
Run your business with greater clarity.
Bring payments, cash-flow visibility and access to business finance together in one simple Safaricom experience so you can make informed decisions and keep moving forward.
Designed for Kenyan merchants, micro and small businesses, and entrepreneurs who want a clearer view of their money.
9:41 ● ● ●
Habari, Amina
Business balanceKSh 84,250Sample account · concept preview
↙
Receive
Receive
▥
Cash flow
Cash flow
＋
Finance
Finance
Cash flow overviewTrack money coming in and going out.
Business snapshot
Sales trends · Transactions · Insights
Sales trends · Transactions · Insights
Who it is for
Built around the people who keep commerce moving.
A connected financial experience for customers who need to receive money, understand business performance and make better-informed decisions.
Secondary audience
Entrepreneurs and informal businesses
Self-employed people and emerging enterprises seeking accessible payment tools, simple financial insights and a clearer route to eligible finance.
02 / Product experience
From getting paid to planning what comes next.
Connect everyday transactions to useful business insight. The proposed experience brings three important jobs into one place.
↙
Receive payments
Bring customer payments into a clear, accessible view and understand what your business has received.
▥
Understand cash flow
See money coming in and going out, review transaction activity and follow simple summaries for daily decisions.
＋
Explore eligible finance
Where available and subject to assessment, explore credit options informed by business transaction and sales activity.
Designed for everyday use
Less complexity. More control.
Move from fragmented financial tasks to a simpler routine, with clear information at each step.
🌍
Swahili and English
Choose the language that makes financial information easier to understand.
📊
Useful business summaries
Review sales and cash-flow patterns without complicated reports.
🔐
Clear, informed decisions
See fees, repayment terms and eligibility information before committing.
🤝
Support when it matters
Find help, understand transaction status and follow up when something goes wrong.
A simpler customer journey
One connected experience, step by step.
01
Get paid
Receive payments through supported Safaricom payment services.
02
See activity
Review transactions and understand your cash-flow picture.
03
Know your options
Explore services and any finance for which you may qualify.
04
Choose confidently
Review costs and terms, then decide what is right for your business.
03 / Commercial model
A simple model that grows with the business.
The proposed model lowers the barrier to entry, then introduces paid value where customers receive additional reporting or regulated financial services.
Start
Business Essentials
For small businesses that need a simple view of payments and activity.
No monthly fee proposed core access
- Payment activity overview
- Basic transaction history
- Swahili and English interface
- Guided support access
For growing businesses
Business Insights
For merchants who want a clearer picture of performance and cash flow.
Pay as you use proposed transaction-based model
- Essentials features
- Cash-flow summaries and trends
- Business performance insights
- Transaction and sales reporting
Subject to assessment
Business Finance
For eligible merchants seeking finance aligned with business activity.
Personalised offer based on eligibility and risk assessment
- Eligibility assessment
- Credit offers where available
- Transparent fees and repayment schedule
- Clear application updates
04 / Trust and next steps
Financial tools should earn your confidence.
Clarity, responsible finance and reliable support are essential to a service that helps people manage business money.
One viewPayments and business activity brought together.
Two languagesSwahili and English interface options.
Clear termsCosts and repayment obligations shown before acceptance.
Human supportVisible routes to help and transaction follow-up.
“I can see what my business receives, understand where the money goes and make my next decision with more confidence.” — Mesai Mburu
“It was very easy navigating the website. The information are very easy to access, and the site loads fast on slow networks.” — Andrew Peters
“It was very easy navigating the website. The information are very easy to access, and the site loads fast on slow networks.” — Andrew Peters
Make every business transaction count.
Explore how a more connected Safaricom experience could help you manage payments, understand cash flow and make informed decisions about your next step.