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Once your Lipa Namba is active, customers can pay in two ways:
  • Scan your QR code — From a mobile money or bank app that supports QR payments.
  • Pay with your Lipa Namba — Through mobile money USSD menus or bank channels, without needing an app.
All MNOs and banks integrated with TIPS can be used to pay you.

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Paying by QR Code

  1. Scan your QR code — Using a phone camera or the scan feature in a mobile money or bank app.
  2. Enter the amount — The customer types in how much they want to pay.
  3. Confirm the payment — They review the merchant details and authorize with their PIN or biometric.
  4. Receive confirmation — Both you and the customer get a payment confirmation.

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Paying with Lipa Namba

Customers can also pay using your Lipa Namba directly:
  1. Open USSD or bank channel — Dial the mobile money USSD code or use SIM banking, internet banking, or a bank branch channel.
  2. Enter your Lipa Namba — Use your Lipa Namba as the payment reference.
  3. Enter the amount — The customer types in how much they want to pay.
  4. Confirm the payment — They authorize with their PIN and receive confirmation.
No app is required for USSD and bank channel payments.

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What You See as a Merchant

  • Payments appear instantly in your Merchant Dashboard under transactions.
  • You receive dashboard notifications for successful payments.
  • If you use webhooks, payment events can be sent to your system automatically.

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Tips for a Smooth Checkout

  • Display or share clearly — Show your QR code and Lipa Namba at a counter, receipt desk, website, checkout page, invoice, or customer message.
  • Confirm the amount — Customers enter the amount before authorizing payment.
  • Verify on your dashboard — Confirm payment in your dashboard before handing over goods or completing a service.
  • Use the branded poster — Download your poster from Collection settings for a clear, professional display.