Payment Methods

NaviPOS supports all major payment methods used by Kenyan businesses.

M-Pesa (Lipa Na M-Pesa)

The most popular payment method in Kenya, fully integrated into NaviPOS:

STK Push — Send payment prompts directly to customer phones
Automatic Confirmation — Payments verified in seconds
Reconciliation — All transactions matched and reportable
No Till Number Entry — Customers just confirm on their phone

How STK Push Works

Cashier selects M-Pesa at checkout
Enters customer's Safaricom number
Customer receives a prompt on their phone
Customer enters M-Pesa PIN
Payment confirmed in NaviPOS instantly
Receipt prints with M-Pesa reference number

Cash

Traditional cash handling with smart features:

Auto-Change Calculation — Enter amount tendered, see change due
Cash Register Tracking — Opening float, sales, payouts, and closing balance
Denomination Counting — Optional cash breakdown at end of day
Cash Variance Detection — System flags discrepancies automatically

EazzyPay (Equity Bank)

For customers banking with Equity:

Mobile payment integration
Instant confirmation
Automatic reconciliation in NaviPOS

Visa / Mastercard

For card-paying customers:

Process via connected card terminal
Record card payments in NaviPOS for accurate reporting
Supports all major card networks

Split Payments

Customers can combine multiple payment methods in a single transaction:

M-Pesa + Cash
Card + Cash
M-Pesa + Card
Any combination

The cashier enters the amount for each method, and NaviPOS records them separately.

Credit Sales

Allow trusted customers to buy now, pay later:

Set credit limits per customer
Track outstanding balances
Receive payments against credit balances
Ageing reports for overdue accounts

Payment Reports

NaviPOS generates detailed payment reports:

| Report | Shows | |--------|-------| | Payment Summary | Breakdown by method for any date range | | M-Pesa Transactions | All M-Pesa payments with reference numbers | | Credit Report | Outstanding balances and payment history | | Cash Summary | Cash in, cash out, and register balance |

Next: Read about License Payments & Renewals or explore M-Pesa Payments Tutorial.