M-Pesa QR Code Generator
Generate an M-Pesa payment QR code for your Paybill or Till number. Customers scan with any M-Pesa app to pay instantly — no typing business numbers or account references. Works across Kenya, Tanzania, Mozambique, DRC, Ghana, Egypt, and Lesotho. Free, browser-only, no data leaves your device.
Shape of the data pixels.
Shape of the 3 finder patterns.
Inner dots inside corners.
Overall shape of the QR code.
One-click color themes. You can further customise after picking a preset.
Keep strong contrast between foreground and background for reliable scanning.
Place a logo at the center of the QR code. Error correction is automatically set to High when a logo is added.
Wrap the QR code in a frame with optional text to encourage scanning.
Text displayed on the frame (e.g. "Scan Me", "Get Discount", "View Menu").
Pixel dimensions. Larger = better for print.
Higher = more resilient. Use H with logos.
Your QR code will appear here
Start typing to generate your QR code
How It Works
Choose Paybill or Till
Select your payment type: Paybill for business accounts that require an account number, or Till / Buy Goods for direct merchant payments. Enter your 5–7 digit business or till number as registered with Safaricom.
Add Optional Details
For Paybill, enter the account number the customer should reference. Optionally set a fixed KES amount — leave blank for an open-amount QR the customer fills in when scanning. Add your merchant name for display.
Download and Display
The QR code generates in real time. Download as PNG, SVG, or PDF. Print it at your counter, on receipts, or on marketing materials — any M-Pesa user can scan to pay.
What Gets Encoded
EMVCo TLV Format
M-Pesa QR codes follow the EMVCo Merchant-Presented Mode specification — the same international standard used by PIX (Brazil), PromptPay (Thailand), and dozens of national QR schemes. Data is encoded as Tag-Length-Value pairs with a CRC-16 checksum for integrity.
Safaricom Merchant Info
The QR encodes the merchant GUID com.safaricom, your Paybill/Till number, and (for Paybill) the account reference. The M-Pesa app reads this data and pre-fills the payment screen — the customer only needs to confirm.
Currency and Country
The payload includes the KES currency code (404) and Kenya country code (KE). For cross-border M-Pesa payments, the currency and country codes ensure correct routing by the payment system.
Paybill vs. Till
Paybill is used for business accounts where customers need to enter an account number (e.g., utility bills, school fees). Till / Buy Goods is for direct merchant payments at shops and restaurants — no account number needed.
Popular Use Cases
Retail Shops and Supermarkets
Display an M-Pesa Till QR at your checkout counter. Customers scan instead of dialling USSD codes or typing till numbers manually. Faster transactions, fewer errors, shorter queues.
Restaurants and Cafés
Print your Till QR on table tents or menus. Diners scan to pay from their seat — no waiting for a server to bring the bill. Open-amount QR lets them enter the exact total including tips.
Utility and Bill Payments
Paybill QR with a fixed account number and amount makes it trivial for customers to pay recurring bills — electricity, water, internet, insurance. One scan replaces the entire USSD flow.
Schools and Institutions
Generate per-student Paybill QR codes with the student admission number as the account reference. Parents scan to pay fees without remembering business numbers or student IDs.
Events and Fundraisers
Display a large M-Pesa QR at charity events, church harambees, or community fundraisers. Donors scan to contribute any amount instantly — no need to share Paybill numbers verbally.
Online and WhatsApp Sellers
Share your M-Pesa QR as an image in WhatsApp, Instagram, or Facebook conversations. Buyers scan to pay without you having to dictate payment instructions every time.
Frequently Asked Questions
Which M-Pesa apps can scan this QR code?
The Safaricom M-Pesa app (Kenya), Vodacom M-Pesa (Tanzania, DRC, Mozambique), and other M-Pesa-enabled apps that support EMVCo QR scanning. The M-Pesa Super App in Kenya has built-in QR scanning under the "Scan and Pay" feature.
What is the difference between Paybill and Till?
Paybill requires a business number and an account number — used for utilities, school fees, and services that need transaction references. Till / Buy Goods uses only a till number — ideal for retail merchants where the customer simply pays a total amount.
Does this work for M-Pesa in other countries?
The QR format follows the EMVCo standard which M-Pesa uses across its markets. However, the business numbers are country-specific — a Kenyan Paybill won't work in Tanzania's M-Pesa system. Generate separate QR codes for each country's merchant registration.
Is there a transaction limit?
M-Pesa transaction limits vary by country and account tier. In Kenya, the standard limit is KES 150,000 per transaction and KES 300,000 daily for personal accounts. Business accounts may have higher limits. Check with Safaricom for your current limits.
Does this tool store my M-Pesa details?
No. All processing happens entirely in your browser. Your business number, account references, and all other inputs never leave your device. No data is sent to any server.