Money + Points 9 Currencies • 1 Point = 1 Shilling • Free Transfers
Jayb for Businesses Create Unlimited Separate Businesses • Hold 9 Currencies & Points

Manage Multiple Businesses Separately. Control Who Pays the Fees & Settle Globally.

Create and manage any number of separate businesses from a single account — each with its own business wallet, 6-digit merchant code, and multi-currency balances. Accept M-Pesa, Airtel Money, Card, and PesaLink, decide whether the business, the customer, or a 50/50 split covers transaction fees, and withdraw or sweep funds anytime to your business Mobile Money or Bank account.

Business Command Center

Nairobi Wholesale Depot (Code: 582910)

3 Active Businesses
Business Balance (KES) Fee Policy: Split 50/50
KES 4,850,200.00
USD Balance $12,400
CNY Balance ¥86,000
Points 18,500 pts
Your Separate Businesses (1 Login)
1. Nairobi Wholesale Depot Merchant Code: 582910 • Fee: Split 50/50
Active
2. Eastleigh Cargo Consolidators Merchant Code: 719402 • Fee: Customer Pays
Switch
Unlimited
Separate Businesses Managed Under One Login
3 Fee Modes
Business Covers • Customer Pays • 50/50 Split
Instant Settlement
Withdraw Anytime to M-Pesa, Airtel Money or Bank
9 Currencies
Hold Balances & Pay Local or Overseas Suppliers
Multi-Business Ownership & Fee Control

Accept all customer payment methods with ultra-low fees & separate business wallets

Every business you create gets its own dedicated account number, 9 currency balances, 6-digit merchant code, and independent transaction fee setting.

1. Separate Business Wallets

Manage Any Number of Businesses Separately

Run a retail shop, a wholesale depot, and a property company? Keep their balances, statements, and team permissions completely separate while switching between them in one click.

1 Personal Login → Unlimited Businesses
2. Flexible Fee Options

Choose Who Pays the Transaction Fee

Transfers to businesses are charged a low 1.5% fee. Each business decides who covers that fee:

  • Business Absorbs Customer pays +0%
  • Customer Pays Business receives 100%
  • 50/50 Split Shared equally
Change your fee setting anytime in 1 click
3. Instant MoMo & Bank Withdrawals

Withdraw or Sweep to Your Own MoMo & Bank Accounts

Move funds out of your business wallet anytime to your business M-Pesa, Airtel Money, or commercial bank account via PesaLink, or set up automated daily bank sweeps.

Instant Payouts • M-Pesa, Airtel & PesaLink
Global Payouts, Sweeps & Business Points

Dedicated virtual accounts & automated commercial bank sweeps

Settle global factory invoices directly from your sales revenues and turn processing volume into profit with tiered fee rebates.

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China CNY & Dubai AED Settlements

Settle global factory invoices directly from your sales revenues in Chinese Yuan (CNY), UAE Dirhams (AED), US Dollars (USD), Euros (EUR), or British Pounds (GBP).

Same-Day Clearing • Locked FX Quotes
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Automated Bank Sweeps

Set up instant, daily, or threshold-based PesaLink sweeps from your business wallet to any commercial bank account.

Instant • End-of-Day • Threshold Rules
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Earn & Redeem Business Points

Turn processing volume into profit with tiered fee rebates. Earn points on your payment volume and supplier payouts, and redeem them to offset transaction fees or shipping costs.

1 Pt = KES 1.00 Fee Rebate