Four ways to pay, one tab.
M-Pesa goes straight to your own till. Cards, card terminals and cash sit on the same tab, and the day close matches every one of them.
However the table pays, it lands on the same bill.
Straight to your own till or Paybill. The money never passes through Tumikia.
Processed by our card partner, with 3-D Secure on every payment.
Staff record the terminal’s reference on the bill, and the day close reconciles it.
Through a till session with a float, a count and a variance.
Split bills, tips and overpayments are recorded on the same tab, against the way each one was paid.
Three steps, and your staff hold the last one.
- 1The bill says where to pay.
Your till or Paybill, the name M-Pesa will show and the exact amount — on the diner’s phone and on paper.
- 2The diner pays and enters the code.
They type the confirmation code from their SMS into the bill, or show it to a waiter.
- 3Staff confirm it on your own M-Pesa.
Only then does the order reach the kitchen. A code used before is refused, and one tab can be settled with several codes.
Fake confirmation messages exist. The message on a diner’s phone is never the proof; your own M-Pesa is. A code waiting for confirmation is highlighted, blinks and chimes on the floor and till screens, so it cannot sit unnoticed.
What Tumikia adds to each way of paying.
Every payment matched, or named.
M-Pesa codes, terminal references and cash are each matched at the day close. Anything that doesn’t match becomes a variance against the person who recorded it.
Take it now, collect when it’s ready.
A restaurant can choose to take phone orders unpaid and collect on delivery or collection. When the order is ready, you call or text the customer with a pay link, for card or M-Pesa.
3-D Secure on every card payment.
Card payments on the diner’s phone are processed by our card partner, with 3-D Secure on every one, and settle to your M-Pesa or bank within 2 business days.
Questions we get about payments.
No. Diners pay your own till or Paybill directly. The money never passes through Tumikia, and Tumikia adds nothing to M-Pesa payments.
See the bill your diners will pay from.
We’ll put your till on a test bill and walk you through a code, a card and the day close.