M-Pesa Payments

NaviPOS integrates directly with Safaricom M-Pesa via the Daraja API, enabling seamless mobile payments at your business.

How It Works

NaviPOS uses Lipa Na M-Pesa STK Push — this sends a payment prompt directly to your customer's phone. No till number entry needed.

Processing an M-Pesa Payment

Complete the sale as normal (scan products, adjust quantities)
Click Pay
Select M-Pesa as the payment method
Enter the customer's phone number (format: 07XX XXX XXX)
Click Send STK Push
The customer receives a prompt on their phone
Customer enters their M-Pesa PIN
Payment is confirmed in NaviPOS within seconds
Receipt prints automatically

💡 The customer does NOT need to enter your till number — everything is handled automatically by NaviPOS.

Split Payments with M-Pesa

Customers can pay partly with M-Pesa and partly with cash:

Select Split Payment
Enter the M-Pesa portion and send the STK Push
After confirmation, enter the cash portion
Complete the sale

M-Pesa Reconciliation

NaviPOS automatically matches M-Pesa payments to sales:

All M-Pesa transactions appear in Reports → M-Pesa Transactions
Each transaction shows: Customer phone, amount, M-Pesa receipt number, date/time
Use this report to reconcile with your Safaricom statement

M-Pesa for License Renewals

Clients can also pay for NaviPOS license renewals via M-Pesa:

Log in to portal.navipos.co.ke
Click Renew License
Confirm the M-Pesa STK Push on your phone
License extends immediately

Requirements

| Requirement | Details | |-------------|---------| | Internet | Active internet connection at the POS | | Customer Phone | Must be M-Pesa registered Safaricom number | | NaviPOS License | Active license required |

Troubleshooting

| Issue | Solution | |-------|----------| | STK Push not received | Verify the phone number, check customer has M-Pesa, retry | | Payment timeout | The customer has 60 seconds to confirm — retry if it times out | | Wrong amount | Void the transaction and process a new sale | | Duplicate payment | Check M-Pesa reconciliation report — contact support if needed |

Next: Learn about Remote Monitoring or End of Day Procedures.