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Finance and Accounting

Digital Payments and M-Pesa for Business

Set up, run and control M-Pesa, card and online payments in your business, with daily reconciliation and clear defences against fraud.

Level
Beginner
Format
Written, self-paced
Length
About 6 hours
Lessons
15
Modules
4
Certificate
Yes, verifiable
Last updated
October 2026

About this course

Learn how to accept, reconcile and manage digital payments in a business, including M-Pesa Till and Paybill, card payments and payment links, with good controls against fraud.

Self-paced written course: text lessons, practical exercises, module quizzes and a final project, delivered online. No video and no live tutor.

What you will learn

  • Explain how mobile money, card and bank transfer payments move and settle
  • Choose between a Till, a Paybill and a payment gateway for each type of customer
  • Design account references and reconcile M-Pesa, card and gateway receipts daily
  • Handle refunds, reversals and card chargebacks with proper evidence
  • Brief a developer on connecting M-Pesa APIs to your sales or billing system
  • Write a payments procedure with segregation of duties and fraud controls

Curriculum

Module 1The Digital Payments Landscape4 lessons
  1. 1How Mobile Money, Cards and Bank Transfers Work4 min read Free preview
  2. 2Payment Options for East African Businesses3 min read
  3. 3Choosing Between Till, Paybill and Payment Gateways3 min read
  4. 4Understanding Fees and Settlement Times in Principle3 min read
  5. QuizModule quiz, 4 questions
Module 2Running M-Pesa in Your Business4 lessons
  1. 5Setting Up and Managing a Business Till or Paybill3 min read
  2. 6Using Account Numbers to Identify Customer Payments3 min read
  3. 7Daily M-Pesa Statements and Reconciliation3 min read
  4. 8Paying Suppliers and Staff Digitally3 min read
  5. QuizModule quiz, 4 questions
Module 3Online and Card Payments4 lessons
  1. 9Accepting Card Payments in Store3 min read
  2. 10Payment Links and Online Checkout for Small Sellers3 min read
  3. 11Chargebacks, Refunds and Disputes3 min read
  4. 12How M-Pesa APIs Connect to Business Systems3 min read
  5. QuizModule quiz, 4 questions
Module 4Controls and Fraud Prevention3 lessons
  1. 13Common Mobile Money Scams and How to Stop Them4 min read
  2. 14Segregation of Duties and Payment Approvals3 min read
  3. 15Course Project: Payments and Reconciliation Procedure for a Shop3 min read
  4. QuizModule quiz, 4 questions

Final project

Payments and Reconciliation Procedure for a Shop. A practical brief with ordered steps, what to produce and how to check your own work. You confirm it in your learner area.

Who it is for

  • Shop owners and SME managers who accept mobile money and cards
  • Finance assistants and cashiers who confirm and reconcile payments
  • Online sellers who collect payments through links and checkouts

Not for you if you already work confidently with everything in the curriculum below. Look at the other finance and accounting courses instead.

Requirements

  • A smartphone and basic familiarity with mobile money
  • Access to a spreadsheet program for reconciliation templates
  • No accounting or technical background is needed

What is included

  • 15 written lessons
  • 15 practical exercises
  • 4 module quizzes
  • A final project
  • Certificate of completion with a verification code
  • Lifetime access to what you buy

Questions about this course

What do I need before I start?

A smartphone and basic familiarity with mobile money. Access to a spreadsheet program for reconciliation templates. No accounting or technical background is needed.

What device do I need?

A phone, tablet or computer with a modern web browser and an internet connection. Lessons are written, so they work on slow connections.

How long do I have access?

Lifetime access to the full course or to any module you buy. All Access and Teams give 12 months of access to every course.

Can I get a refund?

Yes: a full refund within 14 days of purchase if you have completed less than 30% of the course (or of the module, for a single module). Read the refund policy.

Should I buy a module or the full course?

A module (USD 10) unlocks that module's lessons and quiz. The full course (USD 39) unlocks everything and leads to the certificate. If you buy modules first, each one you own is credited at USD 10 when you buy the full course.

Which currency will I pay in?

US dollars (USD). Prices include all taxes where applicable. Your bank may apply its own conversion fee. Card payment is being set up with our bank. After you place your order we email you payment instructions within one working day; your access starts as soon as payment is confirmed.

Finance and Accounting learning path

All 16 open courses in this subject for USD 369. Bought separately they cost USD 624, so you save USD 255.

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