Pochi La Biashara is Safaricom’s game-changing solution designed specifically for informal and small-scale business owners in Kenya. With this product, entrepreneurs can seamlessly receive business payments, separate personal and business finances, and access helpful features all using their existing M-PESA number.
Whether you’re a vendor, kiosk owner, or offer services on the go, Pochi La Biashara offers a secure and convenient way to manage your business income without needing a formal business registration or additional documentation.
What is Pochi La Biashara?
Pochi La Biashara is a cashless payment solution by Safaricom that enables M-PESA users running informal businesses to receive customer payments directly to a dedicated business wallet without mixing them with personal funds.
This makes it easier to manage cash flow, track transactions, and maintain financial discipline all from your phone.
Key Features of Pochi La Biashara
- Separate Business and Personal Funds: Business income is received in a dedicated wallet, not mixed with personal M-PESA funds.
- No Transaction Reversals Without Consent: Only the business owner can approve payment reversals, providing greater security.
- Paperless Registration: No forms or documents required activation is via USSD.
- Earn Commissions: Sell airtime to customers and earn a 5% commission on the value sold.
- Access Mini Statements: Track your transaction history directly via USSD.
- Secure Transactions: All actions are protected with your M-PESA PIN.
- No Fuliza Deductions: Funds in your Pochi La Biashara account are not affected by outstanding Fuliza balances.
- High Daily Limit: Enjoy up to Ksh 300,000 in daily transaction volume (combined personal and business limit).
- Zero Receiving Fees: Customers pay the standard M-PESA charges when sending funds; you, the business owner, incur no fees.
How to Register for Pochi La Biashara
You can register for Pochi La Biashara in minutes using your M-PESA line:
- Dial
*334#on your phone - Select “Pochi La Biashara”
- Choose “Join”
- Accept the Terms and Conditions
- Choose your Business Category
- You’ll receive an SMS confirmation upon successful registration
That’s it your Pochi La Biashara account is now active and ready to receive payments.
How to Withdraw or Access Your Business Funds
You can either withdraw your funds from an M-PESA agent or transfer the money from your business account to your personal M-PESA wallet. Here’s how to do both:
Option 1: Withdraw from an M-PESA Agent
- Dial
*334# - Select “Pochi La Biashara”
- Choose “Withdraw Funds”
- Select “From Agent”
- Enter the Agent Number and the Amount
- Enter your M-PESA PIN to complete the withdrawal
Option 2: Transfer from Business to Personal Account
- Dial
*334# - Select “Pochi La Biashara”
- Choose “Withdraw Funds”
- Select “From Business to Personal”
- Enter the Amount
- Enter your M-PESA PIN to confirm
Why Choose Pochi La Biashara for Your Business?
Pochi La Biashara offers a cost-effective, secure, and transparent way for entrepreneurs to manage business transactions without needing a business permit or additional banking services. It’s particularly ideal for:
- Street vendors
- Kiosk owners
- Jua Kali artisans
- Mobile service providers (e.g., barbers, tailors, boda boda operators)
- Market traders
Whether you’re selling groceries or providing mobile beauty services, Pochi La Biashara gives you the professional edge without the hassle of formal structures.
