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# Supported Payment Types & Rails

> Comprehensive guide to supported Kenyan payment rails: PayBills, Buy Goods Tills, B2C Mobile Money, PesaLink Banks, and STK Push.

Lipafy natively orchestrates all major Kenyan payment rails with real-time settlement and automated reconciliation.

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## 📱 1. Safaricom M-Pesa PayBill (`PAYBILL_PAYMENT`)

Used for automated B2B payments to registered utilities, government agencies, schools, and corporate billers:

* **Shortcode:** 5 to 7 digits (e.g. `150501` for Safaricom Home Fibre, `444400` for Nairobi Water, `572572` for KRA iTax).
* **Account Reference:** Required customer identifier (e.g. Fibre phone number, Water meter account number, PRN e-slip).
* **Settlement SLA:** Instantaneous (`< 3s`).

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## 🛒 2. Safaricom Buy Goods & Services Till (`TILL_PAYMENT`)

Used for in-person and merchant payments at restaurants, supermarkets, and physical retail outlets:

* **Till Number:** 5 to 7 digits (e.g. `565444`).
* **Account Reference:** Not required.
* **Settlement SLA:** Instantaneous (`< 3s`).

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## 💸 3. M-Pesa B2C Mobile Money (`B2C_PAYMENT`)

Used for dishing out payments directly to individuals, delivery couriers, remote contractors, and payroll disbursements:

* **Destination:** Kenyan phone number formatted in E.164 without leading plus or standard Kenyan format (e.g. `254712345678` or `0712345678`).
* **Settlement SLA:** Instantaneous (`< 3s`). Recipient receives official Safaricom M-Pesa SMS confirmation immediately.

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## 🏦 4. PesaLink & EFT Bank Transfers (`PESALINK_TRANSFER`)

Used for large interbank transfers directly into Kenyan commercial bank accounts:

* **Destination:** Bank Account Number + Destination Bank Code (e.g. Equity Bank `068`, KCB `001`, Standard Chartered `002`, NCBA `074`).
* **Settlement SLA:** PesaLink settles in real time 24/7/365 for amounts up to KES 999,999.

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## ⚡ 5. Inbound M-Pesa STK Push Collections (`STK_COLLECTION`)

Used by AI sales bots in WhatsApp, Telegram, and social commerce apps to collect payments directly from buyers:

* Triggers an on-device popup on the customer's phone prompting them to enter their M-Pesa PIN.
* Lipafy receives verified telecom webhook telemetry in `< 3s` and emits a real-time callback to your bot or application.

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## 🏷️ 6. Zero-Fee Lipafy @tag Ledger Transfers (`TAG_TRANSFER`)

Used for instant, fee-free transfers between verified Lipafy accounts:

* **Destination:** `@username` (e.g. `@alice` or `@techcorp`).
* **Settlement SLA:** Immediate atomic ledger debit/credit with KES 0.00 fee.