Till Moja Collection Service

Collect customer payments from M-Pesa, Airtel Money and T-Kash directly into your DTB business account using one simple six-digit Till Moja short code. Get real-time bank credits, instant payment notifications and flexible till setup for one or multiple business locations - without a merchant sign-up charge.

Overview

Till Moja is DTB's business payment collection service for merchants and organisations that want customer payments to move directly into a DTB account instead of first accumulating in a separate mobile-money wallet.

Your customers use a simple six-digit Till Moja short code to pay through supported mobile-money channels such as M-Pesa, Airtel Money and T-Kash. DTB credits the payment to the linked business account in real time and can send payment notifications to help you confirm receipts quickly.

Till Moja can support everyday collections for retailers, traders, supermarkets, restaurants and service businesses, as well as more complex collection needs for schools, utilities, multi-branch businesses and online stores. DTB's current Product Guide also provides reference validation for businesses that need to match payments to identifiers such as student IDs or bill numbers, plus API and M-Pesa STK Push integration for automated receipting and system updates.

If your business has more than one outlet or collection stream, you can request multiple Till Moja short codes and link them to one DTB account or separate DTB accounts depending on how you want to reconcile your collections.

What You Need to Open an Account

The requirements are as follows:

A DTB account to receive Till Moja collections.
A completed Till Moja Application Form.
Signed Till Moja Terms & Conditions.
For reference validation, API integration, STK Push or automated receipting, DTB may require additional business and technical onboarding information.

Features

Access a comprehensive suite of banking services and tools:

No merchant sign-up charge.
A simple six-digit Till Moja short code instead of requiring customers to enter a full DTB account number.
Customer payments accepted from M-Pesa, Airtel Money and T-Kash under the current live product page.
Real-time credit of collections into the linked DTB account.
Instant payment alerts for the merchant and customer.
SMS, email and IPN payment notifications can be enabled based on the business requirement.
Merchants can apply for multiple Till Moja short codes to support different branches, outlets or collection streams.
Multiple tills can credit one DTB account or separate DTB accounts depending on the setup.

Benefits

Discover the advantages of banking with Till Moja Collection Service

Direct Bank Credits - Customer collections move directly into the linked DTB account, reducing the need to transfer funds from a separate mobile-money wallet to the bank.
Real-Time Settlement - DTB credits supported payments to the merchant account in real time under the current service proposition.
Multi-Channel Collections - Give customers more payment flexibility through supported mobile-money channels while using one Till Moja identifier.
Easier Reconciliation - Reference validation can help schools, utilities and other businesses validate identifiers such as student IDs or bill numbers before accepting a payment, reducing erroneous receipts.
Automated Receipting - API/IPN integration can update a business's accounting or receipting system when a payment is received, subject to technical integration.
M-Pesa STK Push Integration - Online stores, supermarkets and other businesses can integrate eligible M-Pesa STK Push collection flows, subject to DTB technical onboarding.
Multiple Tills - Use different short codes for branches, outlets, departments or collection streams while settling to one or multiple DTB accounts.
No Merchant-Side Receipt Cap Published by DTB - The live page states there is no limit to the amount a merchant can receive into the short code/account; individual payment-channel transaction and wallet limits may still apply.
Zero Merchant Charges - DTB currently states zero merchant charges for Till Moja. Customers should check any tariff charged by their payment provider when making a payment.

FAQs

Till Moja is DTB's business collection solution that lets signed-up merchants and organisations receive customer payments directly into a DTB account using a simple six-digit short code instead of requiring customers to enter the full bank account number. Supported payment channels currently include M-Pesa, Airtel Money and T-Kash.

The current live DTB page lists M-Pesa, Airtel Money and T-Kash. DTB's current Product Guide also lists PesaLink among supported collection types. Product should confirm the current PesaLink customer payment journey before it is added to public payment instructions.

You need a DTB account, a completed Till Moja Application Form and signed product Terms & Conditions. If your business also needs reference validation, API integration, STK Push or automated receipting, DTB may require additional onboarding and technical information.

DTB currently allows a merchant to request as many Till Moja short codes as the business requires. For example, separate shops, branches, departments or collection streams can each have their own short code. The tills can be configured to credit one DTB account or separate DTB accounts.

DTB currently states zero merchant charges and no sign-up fee for Till Moja. The customer's mobile-money or payment provider may apply its own tariff depending on the channel used, so the payer should check the charge shown before confirming the payment.

Till Moja lets customers pay through supported mobile-money channels while the money is credited directly to your linked DTB account in real time. This removes the extra step of moving collected funds from a separate mobile wallet into the bank.

Yes. Till Moja is designed as a multi-channel collection service using one merchant identifier. The current live page lists M-Pesa, Airtel Money and T-Kash as supported payment types, giving customers more than one mobile-money option when paying your business.

No. Customers use the supported mobile-money payment channel to pay the merchant's Till Moja short code. The merchant needs the DTB account because that is where the collections are credited.

DTB currently describes Till Moja settlement as real time. Once a supported payment is successfully completed and processed, the collection is credited directly to the linked DTB account and payment notifications can be generated.

Yes. DTB provides payment notifications for Till Moja collections. The current Product Guide lists SMS and email notifications and IPNs, which can support both people and business systems that need to know when a payment has been received.

Yes. A business can request multiple Till Moja short codes. This is useful for retailers, restaurants, pharmacies, supermarkets and other multi-branch businesses that want to identify collections by location while settling them to one DTB account or different DTB accounts.

Yes. DTB's current FAQ states that multiple short codes can be configured to credit a single DTB account. They can also be linked to separate DTB accounts where the business wants different settlement accounts.

Yes. DTB's Product Guide specifically highlights schools as a use case. Till Moja can validate a student ID or other reference before a payment is accepted and can support automated updates to the school's receipting system, helping reduce unidentified or incorrectly referenced school-fee payments.

Till Moja supports reference validation for use cases such as school fees. The customer enters the Till Moja short code together with the required student reference, and the validation service can check that identifier before completing the collection. Technical setup is required for the school's validation and receipting workflow.

Yes. DTB's Product Guide describes reference validation for organisations such as utilities and other billers that want customer or bill numbers checked before payment. This can improve reconciliation and reduce erroneous or unidentified receipts.

Yes, subject to technical onboarding. DTB's current Product Guide describes API integration and automatic updates to customer receipting systems. Businesses should discuss their accounting or ERP requirements with DTB so the appropriate integration, reference and notification flow can be designed.

DTB's current Product Guide lists M-Pesa STK Push integration for online stores, supermarkets and similar merchants. This can allow a business system to initiate an eligible M-Pesa payment prompt and receive a payment update for automated order or receipt processing, subject to DTB's technical integration requirements.

Payment reconciliation is the process of matching money received to the correct customer, invoice, student, bill or sale. Till Moja can combine a merchant short code with reference validation and payment notifications so that a business can identify receipts more accurately and, where integrated, update its internal system automatically.

Till Moja is linked directly to a DTB account and is designed to accept supported payments through one short code, with real-time bank settlement, multiple till setup, payment notifications and optional reconciliation/API capabilities. A standalone mobile-money till may keep funds within that mobile-money business wallet until the merchant transfers or withdraws them. Compare the channels, settlement model, fees and reconciliation needs that matter to your business.

The right option depends on how customers pay and how much reconciliation your business needs. Till Moja uses a simple merchant short code within DTB's collection setup and can support reference validation, multiple tills, direct bank settlement and system integration. If your business needs recurring bill references or automated reconciliation, ask DTB to demonstrate the Till Moja payment flow against your specific use case.

DTB's live page currently states that there is no limit to the amount a merchant can receive into the Till Moja short code/account. However, individual mobile-money or payment channels can have their own per-transaction, wallet or daily limits, so customers may still be subject to the rules of the channel they use.

Till Moja can suit businesses and organisations that collect frequent customer payments, including retailers, traders, supermarkets, restaurants, schools, utilities, online stores, service providers and multi-branch merchants. The most valuable setup depends on whether you need simple real-time collections, multiple till codes, reference validation or system integration.

Compare the payment channels customers can use, merchant fees, settlement speed, whether funds go directly to your bank account, payment notifications, number of till codes, reference validation, reconciliation, API/STK Push capability, transaction limits and support. DTB Till Moja currently combines zero merchant charges, real-time DTB account credits, multiple short codes and optional reconciliation/integration capabilities under its published proposition.