> ## Documentation Index
> Fetch the complete documentation index at: https://docs.clickpesa.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accepting Payments with Lipa Namba

> How customers pay using your TanQR/Lipa Namba QR code or Lipa Namba

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.

## 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.

## 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.

## What You See as a Merchant

* Payments appear **instantly** in your [Merchant Dashboard](https://merchant.clickpesa.com) under transactions.
* You receive **dashboard notifications** for successful payments.
* If you use [webhooks](/home/webhooks), payment events can be sent to your system automatically.

## 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.