Every small business owner knows that receiving payments is only one part of running a business. You also have to track your sales, manage cash flow and find ways to grow the business.

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This is where Pochi la Biashara is positioning itself as more than a payment wallet. It is bundling additional business-related services together in one place to help your business succeed. 

One of the challenges you may face as a small trader is separating the business finances from your personal spending. With no proper structure, you may end up mixing your personal finances with business income. This happens so many times and many small business owners have experienced it. If left unchecked, the mix-up can lead to financial strains on the business. 

Pochi la Biashara allows you to easily separate your business funds from your personal M-PESA money. This makes it easier for you to track the money coming into the business and better manage your cash flow. 

Pochi also connects merchants to additional services that can support the different aspects of running their businesses. These services were not previously available in one platform. 

Eligible customers can also access Taasi Pochi business credit, while Ziidi Pochi gives you options to save and invest your money. 

As a merchant, you can also use Tuunza Mapato insurance to protect your income. On the other hand, Ofa ya Pochi provides voice and data bundles starting from KES 10 for your business. 

You can also sell airtime and earn up to 5% commission as a Pochi merchant if you are looking to make extra money. 

Pochi has also introduced temporary promotional tariff changes as part of the Pata More campaign. 

Transactions of up to KES 200 are currently free and this is up from KES 100. At the same time, fees for transactions above KES 200 have been capped at KES 50 until 31 October 2026.

These are promotional tariffs and time-bound. The wider Pochi ecosystem will still offer merchants the additional business tools described above after the promitonal tariffs end. 

For a small trader, having payments, financial services and business tools accessible from one wallet can help you simplify some of the everyday tasks you deal with in running a business.

That is what makes the evolution more about what a merchant can do with that money and the tools around it.

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