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.

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 Receive Payments

For customers to deposit into your Pochi they can do 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.

How to Withdraw Money From Pochi

To Move Money to Your M-Pesa Number:

• Dial *334# and Select Pochi la Biashara
• Select From Pochi la Biashara to My M-Pesa
• Enter the amount and complete the transaction using your M-Pesa PIN

Note: This transaction does not incur any charges. However, the daily M-Pesa transactional limit applies.

To Withdraw Through M-Pesa Agent:

• Dial *334# and Select Pochi la Biashara
• Select Withdraw from Agent
• Enter Agent Number
• Enter the 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 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.