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Lessons from shipping 10+ products, integrating M-Pesa, and building for Africa.
M-Pesa12 min read
M-Pesa Paybill Has Two Accounts Inside It — And Nobody Tells You
A single M-Pesa Paybill shortcode has two separate accounts: Working and Utility. Understanding how money flows between them is the key to making B2C disbursements work. Here’s the full breakdown and how Business One Account fixes it.
March 30, 2026→
M-Pesa8 min read
How I Fixed M-Pesa Daraja API Error 404.001.03 on B2B — It Wasn’t My Code
If your B2B or B2C requests are returning 404.001.03 (Invalid Access Token) after going live, stop debugging your code. The problem is almost certainly that Safaricom hasn’t whitelisted B2B/B2C on your shortcode.
March 30, 2026→