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92 guides · page 2 of 4
What a Good Mobile-Money Checkout Should Show at Each State
Design mobile-money checkout around awaiting approval, checking, failed and paid states so customers know exactly what to do next.
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Consent, Payment Authorization and Mandates Are Not the Same Thing
Distinguish commercial consent, individual mobile-money payment authorization and reusable mandates when collecting recurring payments.
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How to Design a Configurable Dunning Policy for Mobile-Money Billing
Design a configurable dunning policy for mobile-money recurring payments with timing, channel order, retry limits, wallet fallback, grace, suspension and reactivation rules.
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Mobile Money vs Bank Usage in Kenya: Focus on the Usage Gap
Understand what Kenya's 2024 mobile-money versus bank usage gap means—and does not prove—for merchants selling digital services.
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Monthly Retainers by M-PESA: A Cleaner B2B Workflow
Handle monthly B2B retainers paid through M-PESA with client references, payment matching, statements and Kenya eTIMS obligations.
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How to Match M-PESA Payments to the Right Customer, Invoice or Account
Match M-PESA payments reliably using BillRefNumber, C2B validation, stable invoice IDs and exception handling instead of amount-only matching.
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Customer Says They Paid M-PESA but It Is Not Showing: A Support Playbook
A step-by-step support playbook for when a customer says they paid by M-PESA but the business cannot see the payment yet.
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How to Track M-PESA Payment Status Against a Recurring Invoice
Track M-PESA payment status correctly by linking CheckoutRequestID, M-PESA receipt numbers and recurring invoices to the right Daraja status-check flow.
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M-PESA Recurring Billing Architecture: IDs, Callbacks and State Flow
A Daraja-specific architecture for recurring M-PESA billing using invoice IDs, CheckoutRequestID, callbacks, M-PESA Express Query and transaction references.
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M-PESA for Recurring Business Payments: What Each Daraja Building Block Does
Understand the M-PESA building blocks used around recurring business payments in Kenya: PayBill, Till, C2B, M-PESA Express, Query and Transaction Status.
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M-PESA Result Codes Explained: Pending, Failed and Unresolved Payments
Understand common M-PESA Express result codes such as cancellation, timeout, insufficient balance and wrong PIN, and what each should trigger in a recurring billing workflow.
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When Should You Retry an M-PESA Payment? Rules by Failure Reason
Decide when to retry an M-PESA payment after cancellation, timeout, insufficient balance, wrong PIN or an unresolved result without creating duplicate charges.
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M-PESA Webhooks and Callbacks for Recurring Billing
Learn how M-PESA STK callbacks work, how to handle duplicate results safely and when to query an unresolved payment.
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Multi-Country Payment Integration Checklist
Use a market-by-market checklist for African recurring-payment integrations, covering merchant eligibility, wallets, state and settlement.
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Multi-Wallet Payment Collection in Kenya: When Is a Second Wallet Worth It?
Decide whether your Kenyan business should support more than one mobile-money wallet, and understand what changes in customer experience, recovery and reconciliation.
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How to Normalize Payment Status Across Mobile-Money Providers
Build one payment-state model across M-PESA and other providers while preserving raw result codes, provider confirmation and safe retry behavior.
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How to Design PayBill Account Numbers for Recurring Customers
Design PayBill account numbers that make recurring M-PESA payments easier to match, validate and reconcile.
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PayBill, Payment Link, STK Push and Invoice: What Each Term Means
Understand PayBill, payment links, STK Push and invoices in Kenya and how they work together in a merchant payment flow.
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When You Do Not Need Recurring Payment Software in Kenya
An honest guide to when a PayBill, Till or payment link is enough for a Kenyan business, and when recurring billing software starts earning its keep.
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Payment Confirmation and Receipts for Recurring Payments
Separate mobile-money payment confirmation, customer receipts, tax invoices and finance reconciliation without mixing their roles.
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Payment Gateway vs Billing Platform vs PSP
Compare payment gateways, payment service providers and billing platforms to see what each handles for recurring businesses.
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Payment Links Can Be Part of Recurring Billing Without Becoming the Billing System
See when payment links support recurring invoices and what billing, verification and recovery controls merchants still need.
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Provider Adapters: Keep Billing Stable While Payment APIs Change
Design provider adapters for M-PESA, Airtel Money and MTN MoMo without hiding country-specific APIs or payment evidence.
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Payment Reminder Templates That Match the Payment State
Copy-ready mobile-money reminder templates by payment state, with SMS, WhatsApp, email and Swahili examples.
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