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Webshop Payments

A webshop generates a BillPay Control Number at checkout and displays payment instructions for the customer:
  • Customer selects mobile money or bank payment method.
  • Webshop generates the Order BillPay Control Number:
    • Can be offline concatenation or API-generated for more control (set amount, partial payments, custom reference, description).
  • Payment instructions, including mobile money USSD code and Order BillPay Control Number, are displayed.
  • The customer completes the payment via mobile money USSD, SIM banking, or CRDB Wakala.
  • The webshop receives instant payment confirmation via webhook or tracks it via Query Payment API.

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Invoice Payments

Businesses can generate a BillPay Control Number for each invoice and send it to customers:
  • Invoice is issued with an Order BillPay Control Number and payment instructions.
  • API generation allows specifying:
    • Fixed amount or flexible amount.
    • Partial payments or overs.
    • Bill description for easy reconciliation.
  • Customer pays using mobile money, CRDB SIM banking, or Wakala.
  • The invoicing system automatically matches the payment using the Query Payment API or webhooks.

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Offline Purchases

For merchants with physical stores, restaurants, or service outlets:
  • Merchant provides the customer with a unique Order BillPay Control Number, either printed on the bill or shared verbally.
  • Customers pay via mobile money (e.g., M-Pesa) or CRDB SIM banking.
  • Merchant verifies payment in real-time via ClickPesa Dashboard or webhook notifications.
  • Offline-generated numbers follow the Merchant BillPay-Namba + Order Reference format for quick adoption without API integration.

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Recurring or Customer-Specific Payments

Ideal for schools, gyms, or subscription services:
  • Each customer can have multiple Customer BillPay Control Numbers, one per recurring bill (e.g., tuition, fees, or membership subscription).
  • Numbers can be assigned:
    • Via Dashboard (manual assignment per customer).
    • Via API (full flexibility):
      • Specify customer name.
      • Add bill description (e.g., Fees, Pocket Money).
      • Set payment amount and mode (full, partial, over).
      • Create multiple numbers for the same customer, each accepting multiple payments.
  • Customers can pay via mobile money, CRDB SIM banking, or Wakala.
  • Payments are tracked automatically via webhook or Query Payment API.

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Bulk or Batch Billing

For large organizations or corporate clients:
  • Generate multiple Order or Customer BillPay Control Numbers via API in batch.
  • Assign each number to specific invoices, customers, or departments.
  • Clients pays using their assigned number.
  • Payments are automatically tracked and reconciled in the organization’s system using API or webhooks.
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