Getting paid
When do I receive money collected on my behalf?
When do I receive money collected on my behalf?
It depends on your settlement mode (Settings → Billing → Settlement):
- Batch (default): revenue accumulates and pays out automatically once it crosses your payout threshold, checked daily. One flat M-Pesa B2B fee per payout makes this the cheapest option.
- Instant: every payment settles to you immediately, with a flat B2B fee per item.
- Disburse now: a button that sweeps your current balance on demand, without waiting for the threshold or the daily check.
Why did I receive less than what was collected?
Why did I receive less than what was collected?
Payouts are sent net of the actual M-Pesa B2B transaction fee, which the ISP bears. For example, KES 50 collected with a KES 3 fee lands as KES 47 on your till. The disbursement history shows gross, fee, and net for every payout, plus the M-Pesa receipt number. This is also why batch mode is cheaper: one flat fee per payout instead of one per sale.
My balance shows as held. Why hasn't anything paid out?
My balance shows as held. Why hasn't anything paid out?
Almost always one of two reasons:
- You have not configured a settlement destination yet (Settings → Payment Gateways). FyberPay holds the funds until you tell it where to send them.
- You are in batch mode and the balance is below your payout threshold, or too small to cover the M-Pesa fee.
What is a settlement destination, and should I use a Paybill or a Till?
What is a settlement destination, and should I use a Paybill or a Till?
It is where your payouts land: your own M-Pesa Paybill or Buy Goods Till (a 5 to 7 digit shortcode). Either works; pick whichever your business already operates. Bank settlement is available for hotspot revenue via Instant Settlement.
What happens if a payout to me fails?
What happens if a payout to me fails?
Nothing is lost. Failed payouts retry automatically with backoff. If M-Pesa rejects repeatedly, the payout is parked for the operations team and your balance stays intact until it succeeds. Every completed payout records its M-Pesa receipt number, which you can match against your own M-Pesa statement.
Fees
What does FyberPay charge me?
What does FyberPay charge me?
FyberPay takes no percentage of revenue settled to you. You pay:
- The actual M-Pesa B2B fee on each payout, deducted from the payout itself.
- A commission on hotspot revenue, billed on your monthly platform invoice (never deducted per purchase).
- Your monthly platform subscription.
How subscribers pay
How do my subscribers pay their monthly bill?
How do my subscribers pay their monthly bill?
The primary method is M-Pesa Paybill: they dial the Paybill number from any invoice or reminder SMS and enter their own phone number as the account number. It works without internet, which matters for a subscriber who has been disconnected. The subscriber portal also offers STK push and card payment as alternatives.
Why the subscriber's phone number as the account number?
Why the subscriber's phone number as the account number?
It is the one number subscribers never forget, so payments match automatically. If a subscriber pays from a different number, support can give them their short account code (for example
ACM00422), which is always accepted too.I have my own M-Pesa Paybill and Daraja credentials. Can subscribers pay directly to me?
I have my own M-Pesa Paybill and Daraja credentials. Can subscribers pay directly to me?
Yes. In direct mode, collections go straight into your paybill and FyberPay never holds your money, so there is no settlement step at all. Reconciliation, receipts, and subscriber matching still happen automatically. See M-Pesa Integration.
How does hotspot money differ from subscriber bill money?
How does hotspot money differ from subscriber bill money?
Hotspot voucher sales can settle directly to you via Instant Settlement (enabled by default), in which case FyberPay never holds them. Hotspot sales collected on the shared paybill, and all shared-paybill subscriber bills, flow through your settlement configuration. Both rails combine into one payout, one fee.
Billing cycle and non-payment
Is my subscriber billed monthly from the 1st, or 30 days from activation?
Is my subscriber billed monthly from the 1st, or 30 days from activation?
30 days from activation by default (configurable per plan). A subscriber activated on the 14th is due on the 14th. Renewals stack: paying early adds the new period on top of the current expiry, so nobody loses days; paying late starts the new period from the payment.
What happens when a subscriber doesn't pay?
What happens when a subscriber doesn't pay?
A staged, automatic sequence (day thresholds are platform defaults):
- An invoice with payment instructions a few days before expiry.
- Reminders on the due date and on days 1 and 3 overdue.
- Around day 3 overdue, the connection is restricted to the payment portal only (walled garden).
- Around day 7, the service is suspended.
Does a restricted subscriber lose their connection entirely?
Does a restricted subscriber lose their connection entirely?
No. The walled garden still lets them reach the payment page, so they can pay online even while restricted. Full suspension cuts data, but the SMS still tells them exactly how to pay by Paybill, which needs no internet.