Mobile money payments
Mobile money is a first-class payment rail in SBB, not an afterthought. You can take it at the till, and pay for SBB itself with it.
Taking payment at the till
At the POS, Mobile money offers two ways to get paid.
Request to pay. SBB sends a payment request to the customer's phone. They approve it with their PIN and the money arrives in your account. The sale completes when payment confirms.
Pay to merchant. The customer sends payment to your number or merchant code. The till shows your details — and a QR code where available — large enough to read from across a counter. On a paired customer display, the amount, QR and numbered steps appear on the customer's own screen, so you never turn your till around.
Setting up
Add your details under Settings → Payments: your MoMo or Airtel number, or your merchant code.
Money must land in your own account
If you have not configured your payment details, the till will tell you and point you to Settings rather than routing a customer's payment anywhere else. Customers always pay into your account.
Only the networks available in your country appear, so the till stays uncluttered.
Which rails
Support depends on your country — typically MTN MoMo, Airtel Money, and M-Pesa. The available options appear once you set your country.
Reconciling mobile money
Treat each wallet as its own money location with its own balance. Then:
- Import your mobile money statement or messages via Signals.
- Reconcile against the wallet balance.
- Investigate any difference the same week.
Mobile money is easy to reconcile because every transaction leaves a message — but only if you actually do it. A wallet nobody reconciles is where charges and mistakes accumulate unnoticed.
Watch the fees. Transaction charges are small individually and significant annually. Record them as an expense rather than letting them disappear into the difference between what you charged and what arrived.
Paying for SBB
Subscriptions are paid the same way, from inside the app — 1, 3, 6 or 12 months, with yearly saving 10%. See Subscriptions & payment.