The payment code
Every Bila merchant has a unique USSD code that customers dial to make a payment. No app or internet connection is required.
Example: A customer dialling *384*777*1# will be prompted to enter the amount to pay your business.
Step 1: Customer dials your code
The customer dials your USSD code on any mobile phone. No smartphone or internet is needed.- With amount:
*384*777*1*25#- skips the amount prompt - Without amount:
*384*777*1#- customer is asked to enter the amount
Step 2: Amount is confirmed
If no amount was included in the code, a prompt appears asking the customer to enter how much they want to pay. A summary screen then shows the merchant name and amount for the customer to confirm before proceeding.Step 3: Mobile money PIN authorisation
The customer’s network sends a secure prompt asking for their Mobile Money PIN to authorise the payment. Supported networks:- Airtel Money
- MTN MoMo
- Zamtel Money
Note: The final amount charged includes a small processing fee. This is displayed to the customer on the PIN screen before they confirm.
Step 4: Payment complete
Once the PIN is entered and approved by the network, the transaction is processed instantly. The customer receives a “TRANSACTION SUCCESSFUL” message from the network provider and the merchant is notified.No page refresh or manual reconciliation needed - the payment reflects on your Bila dashboard immediately.