Common Use Cases

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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 USSD method

• Webshop generates the BillPay Control Number

• BillPay Control Number, Payment instructions, including mobile money USSD codes, are displayed

• The customer completes the payment

• The webshop receives payment confirmation via webhook

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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 a BillPay Control Number and payment instructions

• Customer pays using mobile money, CRDB SIM banking, or Wakala

• The invoicing system matches the payment to the invoice using Payment APIs

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Offline Purchases

For merchants with physical stores or restaurants:

• The restaurant provides the customer with a unique BillPay Control Number. This could be printed on the bill or shared verbally.

• The customer pays their mobile money service (like M-Pesa) or CRDB SIM banking

• The restaurant verifies the payment through the ClickPesa dashboard or receive confirmation via a webhook into billing system