M-PESA Fraud Prevention Tips for Small Businesses
M-PESA is convenient, but every business should have basic controls to reduce fraud, wrong payments and false payment claims.
Confirm payments before releasing goods
Always confirm the payment has arrived in the correct business account before handing over goods or marking an invoice as paid.
Check the amount carefully
A customer may send less than the expected amount by mistake or deliberately. Check the amount and reference before completing the transaction.
Limit account access
Only trusted people should access business M-PESA accounts. If staff use the account, keep clear records of who handled each transaction.
Review records every day
Daily review helps you detect unusual withdrawals, missing payments, duplicated entries and unexplained balance differences.
Good M-PESA controls protect both the business owner and honest staff.
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