Customer Journey (Procedure)

1. Go to SIM Toolkit (STK) App
   Access M-Pesa services through your phone's SIM Toolkit or Mobile Application.

2. Select Paybill under M-Pesa services
   Navigate to the Paybill option within the M-Pesa menu.

3. Enter Business Number
   Input 4228712 as the business number.

4. Enter Account Number
   Enter the store number, followed by a hash #, then a unique ID provided by the merchant.

   • Example: 142478#REF123
   • This format combines the store number and a unique reference to identify the transaction/customer.

5. Enter Amount
   Input the total amount to be paid.

6. Enter M-Pesa PIN
   Authorize the transaction by entering your M-Pesa PIN.

Technical Implementation Guide for Merchants

1. Paybill Number

• 4228712

2. Account Number Format (Crucial for Reconciliation)

• Your system should generate a unique identifier for each customer or account (e.g., CUSTOMER_IDENTIFIER).
• The customer will enter an account number using this format:

STORE_NUMBER#CUSTOMER_IDENTIFIER

• Example:
  If the store number is 142478 and the customer reference is REF123, the full account number is:

142478#REF123

3. Money Settlement

• All payments will be settled in the merchant's collections wallet associated with the specific Tanda store.

4. IPN (Instant Payment Notification) Registration

To receive real-time payment notifications:

• Log in to your Dashboard
• Go to the Settings section in the left-hand panel
• Enter your IPN URL in the appropriate field
  This is where the Tanda system will send payment notifications.

5. IPN Structure (Example Payload)

Your system must be able to parse and process JSON payloads like this:

{
  "type": "Payin",
  "trackingId": "ea41867d-a180-4afa-8434-aa1bd01aac80",
  "transactionId": "TGMRJWJYDIG",
  "reference": "TCCIFIR1NAY",
  "status": "S000000",
  "timestamp": "2025-06-27T07:51:18.000Z",
  "result": {
    "accountName": "Jane",
    "accountNumber": "a0ea0cde8ecd87aca6f2c9ce8a2e366818b6af7cc688f4c8b9b5d3188e8df2aa",
    "amount": "36.00",
    "merchantRef": "TCCIFIR1NAY",
    "narration": "746312#TCCIFIR1NAY",
    "ref": "XYJETGX1"
  }
}

Key IPN Fields for Reconciliation

• reference / merchantRef:
  Contains the CUSTOMER_IDENTIFIER generated by your system. Used to match the payment to a customer or order.

• narration:
  Usually includes the STORE_NUMBER#CUSTOMER_IDENTIFIER as entered by the customer.

• amount:
  The exact amount paid by the customer.

• transactionId:
  The unique M-Pesa transaction identifier.

• status:
  Indicates the transaction result.

  • Example: S000000 = Success

Use this guide to implement, test, and reconcile M-Pesa payments using Tanda’s Paybill integration effectively.