This is why I don't take civil society 'protest guides' seriously.
The guides telling you not to resist arrest, know your rights and call your lawyer meeting the reality of police who will abduct, torture and murder you with no consequences.
Apple's price hikes suck, but they don't have much choice sadly. Did my best to explain why (and hid some tricks to get a decent deal at the end)
That said - linux video coming soon ;)
Give me 5 minutes, and I'll explain what those 10 M-Pesa accounts in the Daraja Account Balance API actually mean.
Most developers only pay attention to a few of them and ignore the rest. Yet just 4 of these accounts are responsible for the core operations behind every successful Paybill setup:
API Usecase:
- Financial Reconciliation
- Automated Payment Systems
- Cash Flow Management
- Payroll Processing
Understanding these accounts will help you build more reliable M-Pesa integrations, track funds accurately, and avoid common mistakes when working with the Daraja Account Balance API.
👇👇
1/ UTILITY ACCOUNT
Your money inbox. Every customer payment (STK Push or Manual Payment to Paybill) lands HERE first.
Pro tip: Always check AVAILABLE balance before triggering B2C. Current ≠ Available.
Reserved funds = pending payouts already in queue.
2/ CHARGES PAID ACCOUNT
Always negative. Always.
This is Safaricom's running tab of what you owe in transaction fees.
If this isn't cleared → Safaricom BLOCKS your bank withdrawal. Full stop.
(It clears automatically during settlement , more on that in a sec)
3/ ORGANISATION SETTLEMENT ACCOUNT
The engine room. You won't see money sit here long.
When you trigger Revenue Settlement:
→ It clears your fee debt (Charges Paid)
→ Moves the net balance to your Working Account
Transit lane. Not a wallet.
4/ MMF / WORKING ACCOUNT
Withdrawal-ready funds live here.
Post-settlement, this is where your money sits before it hits your bank account.
Zero here = you can't withdraw. Check it before calling the bank.
5/ The full flow:
🔁 THE FLOW IN ONE LINE:
Customer pays → Utility Account → Settlement clears fees → Working Account → Your Bank/individual M-PESA account.
B2C bypass: Payouts draw DIRECTLY from Utility. No settlement needed. 🔑
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Building on Safaricom Daraja? Follow for more M-Pesa and Payments integration
Got a Mpesa Daraja question? Drop it below 👇 I'll answer it.
Dr. Mukhisa Kituyi: US has got the Kenyan government to open up CDC facilities in Nairobi for monitoring and observing Americans coming out of DRC. Why are we allowing Americans coming from an area suspected to be with Ebola to come to Kenya when they can make a quarantine area in DRC?
#JKLive
A season to remember. A season to learn.
A domestic double and everything poured out in pursuit of the title, pushing until the very last breath, only to fall agonisingly short.
Doing all of that in a transitional season is nothing short of extraordinary. It is a brilliant feat and one that deserves to be celebrated wholeheartedly.
And to Pep Guardiola, wishing you nothing but the very best in everything that comes next.
You are a once in a lifetime gaffer. You only come around once. Thank you for changing my club. Thank you for changing my life.
I am forever and eternally grateful for every single moment of it.
Spoke to Sheikh Mansour via Khaldoon’s phone after beating Arsenal 3-0 to win his first trophy as City manager, the Carabao Cup. who knew he would go on to win 19 more in the span of just 9 years. MENTAL.
where will we get someone like you @PepTeam? where?
where will we ever find this passion again? this genius? this unconditional, all-consuming love for this team? for this club?
i love you man. i can’t take this. 😭
Football legends, elite coaches and tacticos all talking about Pep Guardiola like he’s a professor of the game. 🧠⚽️
Greatest manager to ever do it. 🐐
https://t.co/mUihCUiPg3