Lipa Mkononi

A simple and cost-free way to receive payments

Lipa Mkononi is a reliable mobile payment solution from NMB that enables businesses to receive payments through a QR code or Lipa number.

It is designed to make payments easier, safer and more convenient for businesses of all sizes, especially small and growing businesses that need an affordable way to accept digital payments without heavy setup costs.

With Lipa Mkononi, customers can pay by scanning a QR code using their mobile network’s app or mobile banking app, or by entering a Lipa number when using a normal feature phone.

Why Choose Lipa Mkononi?

Lipa Mkononi helps your business move away from cash and receive payments digitally, securely and conveniently. It also helps create clear transaction records that can support better business tracking, financial discipline and access to financial services.

Whether you run a small shop, operate in a local market, provide transport services or manage a bar, pub or restaurant, Lipa Mkononi gives your customers a simple way to pay and gives your business a better way to manage money.

Who Can Use Lipa Mkononi?

Lipa Mkononi is suitable for different types of businesses and service providers, including:

  • Boda Boda operators

  • Machinga and street vendors

  • Fuel Stations

  • Supermarket

  • Local market traders

  • Bajaji operators

  • Taxi drivers

  • Bars and pubs

  • Mangi shops

  • Malls

  • Small and medium businesses

  • Hotels and Restaurants

  • And many more businesses

Benefits of Lipa Mkononi

Receive Payments Safely

Lipa Mkononi reduces the risks that come with handling cash by allowing customers to pay directly into your merchant account.

Build Financial Records

Every digital payment creates a transaction record. This helps your business track sales, understand cash flow and build financial visibility over time.

Improve Financial Discipline

Digital payments make it easier to separate business money from personal cash, helping business owners manage income more responsibly.

Avoid the Challenges of Cash Handling

Lipa Mkononi reduces the need to handle coins, count cash or worry about change, making daily business transactions smoother.

Support Access to Loans

Clear payment records can help show your business cash flow trends, which may support your ability to access financing.

Affordable and Easy to Get

Lipa Mkononi is issued instantly under minimal requirements, including NIDA identification, making it accessible for many small businesses.

Access to promotions

Banks and payment providers often offer cashback, discounts, or loyalty rewards for using merchant payment services to the customers.

Faster transactions

Payments are processed quickly, reducing waiting time. 

Digital receipts

Many payment methods provide electronic receipts, making it easier to track spending. 

Convenience

Customers can pay using cards, mobile wallets, or bank apps instead of carrying cash. 

Contactless payments

Customers can pay without exchanging cash, making transactions quicker and ore hygienic

Improved security

Digital payments reduce the risk of carrying or losing cash. 

Accurate payments

Reduces errors associated with handling cash and giving change. 

24/7 payment capability

Customers can make payments anytime where the merchant service is available.  

How Customers Can Pay Using Lipa Mkononi

Customers can pay your business in a few simple steps:

  1. Scan your QR code using a mobile banking app or mobile money app.

  2. Enter the amount to be paid.

  3. Confirm the details.

  4. Enter PIN or use biometric authentication to complete the payment.

Customers can also pay using your Lipa number where QR scanning is not available by:

  1. Dial *150*66#

  2.  Choose 4 - Lipa Mkononi

  3.  Choose 1. Pay by Tips / 2.Mastercard QR / 3.Visa or 4. Mitandao Mingine

 Lipa Mkononi on NMB Mkononi App

Through the NMB Mkononi App, customers can pay merchants using a Lipa number, by scanning a QR code or by uploading a QR code from their gallery. The payment can then be confirmed using a PIN or biometric authentication.

Get Started with Lipa Mkononi 

Start receiving payments easily and safely with Lipa Mkononi. Visit your nearest NMB branch  to register your business and get your Lipa Mkononi QR code or Lipa number.

For more assistance, visit your nearest NMB branch or call our toll-free number: 0800 002 002.

Lipa Mkononi — Rahisisha malipo, kuza biashara yako.