Guides / Pay-as-you-go
Stay active this month — PAYG credits and renewals
Pay-as-you-go (PAYG) lets you buy credits and pay per sale — with owner + 1 Cashier sharing the same usage. After about Ksh 500 credit spend in a calendar month, unlimited sales unlock for the rest of that month. Staying active this month also keeps full Market entitlement (inactive shops keep Market visibility for a 60-day grace period).
How credits work
- 1 credit = Ksh 0.20
- Starter: about Ksh 50 when joining gives credits to begin selling
- Credits roll over; top up via M-Pesa (or card where available) when balance runs low
- Monthly spend/purchase cap: Ksh 500 — then unlimited sales until month end
- Owner + 1 Cashier share the same PAYG usage (not a second credit pool)
- M-Pesa recording, barcode, reports, and Market listing when active
Why “active this month” matters
- Selling: low or zero credits can block completing sales until you top up
- Market: Free and active PAYG / Team can list; if you go inactive, the listing stays visible for 60 days, then is hidden (not deleted)
- Habit: check Settings → Subscription before a busy weekend, not mid-queue
Listing steps: List your shop on F-Biz Market.
When Team fits instead
- You need more than owner + 1 Cashier (up to 6 gadgets)
- You want Manager roles, branches, and full staff management
- Predictable Ksh 1,000/month is simpler than watching credits
Simple decision
Growing shop with one helper? Stay on PAYG — owner + 1 Cashier, Ksh 500 monthly max.
Need Managers or more seats? Team at Ksh 1,000.
For the full ladder see our pricing guide.