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How to Join and Use M-Pesa Pochi la Biashara

Pochi  La Biashara is an M-Pesa product that allows people with informal businesses like kiosk owners, boda-boda operators, food vendors, and second-hand clothes dealers to receive and separate business funds from personal funds on their M-Pesa number.

This M-Pesa product requires very simple steps to get registered and enjoy the full benefit of planning your business finances appropriately without interference from other day-to-day M-Pesa transactions.

Standard normal M-Pesa transaction charges apply on all Pochi La Biashara transactions.

Advantages of M-Pesa Pochi la Biashara

  • Simple to register, no paperwork needed
  • You are able to separate business funds from personal funds
  • Payments once done cannot be reversed without the business owner’s approval
  • You can sell Airtime from Pochi La Biashara and earn a 5% commission
  • You can access  Mini statements showing the latest top transaction
  • Fuliza does not deduct loan settlements from Pochi
  • Daily transaction limit is Ksh. 300,000.

How to Register for Pochi la Biashara

You will need a registered Safaricom M-Pesa line in order to opt in for this service.

  • Dial *334# and call
  • Select the option Pochi la Biashara
  • Now, select Join Pochi and Send
  • Then, select Accept, to accept Safaricom’s Terms and Conditions
  • Select your Business Category or Service Providers
  • After some time you will receive an SMS confirming successful registration.
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How to Use Pochi la Biashara

You can access Pochi la Biashara services using the USSD code *334#, M-Pesa STK menu or using the M-Pesa app.

Deposit Money to Pochi or Recieve Payments

For customers to deposit into your Pochi they can dot the following:

  • Dial *334# or Select Lipa na Mpesa from M-Pesa menu
  • Select Pochi La Biashara
  • Select Send to Pochi (for USSD)
  • Enter the merchant’s phone number
  • Enter amount
  • Complete the transaction using your M-Pesa PIN and send.
  • The merchant will receive a deposit notification.

For a business owner to pay other Pochi la Biashara merchants:

  • Dial *334#
  • Select Pochi la Biashara
  • Select Send to Pochi
  • Enter phone number
  • Enter amount and completes the transaction using M-Pesa PIN

Sell Airtime from Pochi

  • Dial *334#
  • Select Pochi la Biashara
  • Select Sell Airtime
  • Enter mobile number in the specified format
  • Enter amount of airtime and completes the transaction using your M-Pesa PIN

Check Pochi Balance

  • Dial *334#
  • Select Pochi La Biashara
  • Select my Account
  • Select Check Balance and enter your M-Pesa PIN
  • An SMS will be sent with the Pochi La Biashara balance.

Withdraw Money From Pochi

Move Money to Your M-Pesa Number

  • Dial *334# and Select Pochi la Biashara
  • Select From Pochi la Biashara to My M-Pesa
  • Enter amount and complete the transaction using your M-Pesa PIN
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Note: This transaction does not incur any charges. However, the daily M-Pesa transactional limit applies.

Withdraw Through M-Pesa Agent

  • Dial *334# and Select Pochi la Biashara
  • Select Withdraw from Agent
  • Enter Agent Number
  • Enter Amount and complete the transaction using your M-Pesa PIN

Note: Normal withdrawal from agent charges apply.

How to Check Statement

To access the Statements:

  • Dial *334# and Select Pochi la Biashara
  • Select My Account
  • Select My Statement
  • Select Mini Statement and Enter M-PESA PIN to confirm the statement request
  • You will receive an SMS displaying the statement requested.

Note: No charges are applied.

How to Opt Out of Pochi la Biashara

To opt out of this product,  you will:

  • Dial *334# and Select Pochi la Biashara
  • Select My Account
  • Select Leave this Service
  • You will receive an SMS confirmation that you have been opted out of the service.

Note: Upon opting out, any funds on the business account will instantly be moved to your personal M-Pesa account.