Business to Customer

B2C sends money from your short code to a customer — salaries, refunds, winnings, loan disbursements.

POST mpesa/b2c/v3/paymentrequest

Make a payout

Daraja::b2c()->business('0712345678', 2500, 'Refund for order 41');
Daraja::b2c()->salary('0712345678', 45000, 'March salary');
Daraja::b2c()->promotion('0712345678', 1000, 'Competition winner');

Each maps to a CommandID: BusinessPayment, SalaryPayment and PromotionPayment.

v3 requires a unique OriginatorConversationID per request, which the package generates as a UUID. To make retries idempotent, supply your own:

Daraja::b2c()->business('0712345678', 2500,
    originatorConversationId: "payout-{$payout->id}",
);

Reusing an ID returns 500.002.1001 Duplicate OriginatorConversationID — which is the protection working.

Limits


Minimum	KES 10
Maximum per transaction	KES 250,000
Maximum customer balance	KES 500,000
Maximum daily value	KES 500,000

Pochi la Biashara

Pays a customer’s business wallet rather than their personal one. Same payload, different endpoint.

POST mpesa/b2pochi/v1/paymentrequest

Daraja::b2c()->pochi('0712345678', 3000, 'Supplier payment');

The recipient must actually have a Pochi la Biashara wallet.

The result

use Starnerz\LaravelDaraja\Events\ResultReceived;

public function handle(ResultReceived $event): void
{
    if ($event->type !== 'b2c') {
        return;
    }

    $result = $event->result;

    if ($result->successful()) {
        Payout::markSent(
            $result->originatorConversationId,
            $result->receipt(),
            $result->receiverName(),   // "254705912645 - NICHOLAS JOHN SONGOK"
        );
    }
}

Result code	Meaning
`0`	Paid
`1`	Insufficient balance in the Utility account
`2` / `3`	Below minimum / above maximum
`4`	Would exceed the daily transfer limit
`8`	Would exceed the recipient’s maximum balance
`11`	B2C account not active
`21`	Initiator lacks the ORG B2C API initiator role
`2001`	Invalid initiator information
`2040`	Recipient is not a registered M-Pesa customer
`8006`	Security credential is locked