diff --git a/.changeset/add-pay-bills-tills-sheet.md b/.changeset/add-pay-bills-tills-sheet.md
new file mode 100644
index 0000000..ed3f713
--- /dev/null
+++ b/.changeset/add-pay-bills-tills-sheet.md
@@ -0,0 +1,5 @@
+---
+"mpesa2csv": minor
+---
+
+Add optional Pay Bills & Tills Excel sheet with shortcode and account rollups.
diff --git a/src/components/export-options.tsx b/src/components/export-options.tsx
index c6aeb59..dd04eda 100644
--- a/src/components/export-options.tsx
+++ b/src/components/export-options.tsx
@@ -74,6 +74,12 @@ const SHEET_GROUPS = [
         description:
           "Reversed payments linked back to the original transaction where possible",
       },
+      {
+        key: "includePayBillsTillsSheet" as keyof ExportOptionsType,
+        name: "Pay Bills & Tills",
+        description:
+          "Pay bill and buy-goods totals by shortcode, with paybill account breakdown",
+      },
     ],
   },
   {
diff --git a/src/services/exports/index.ts b/src/services/exports/index.ts
index 114c155..d983bac 100644
--- a/src/services/exports/index.ts
+++ b/src/services/exports/index.ts
@@ -9,3 +9,4 @@ export { addMoneyOutSheet } from "./moneyOutSheet";
 export { addRecurringTransactionsSheet } from "./recurringTransactionsSheet";
 export { addTimeOfDayActivitySheet } from "./timeOfDayActivitySheet";
 export { addReversalsSheet } from "./reversalsSheet";
+export { addPayBillsTillsSheet } from "./payBillsTillsSheet";
diff --git a/src/services/exports/payBillsTillsSheet.ts b/src/services/exports/payBillsTillsSheet.ts
new file mode 100644
index 0000000..d6496a4
--- /dev/null
+++ b/src/services/exports/payBillsTillsSheet.ts
@@ -0,0 +1,482 @@
+import { MPesaStatement, Transaction } from "../../types";
+import * as ExcelJS from "exceljs";
+
+export type MerchantKind = "paybill" | "till";
+
+export interface ParsedMerchantPayment {
+  kind: MerchantKind;
+  number: string;
+  name: string;
+  account: string | null;
+  viaFuliza: boolean;
+  viaCard: boolean;
+  amount: number;
+  receiptNo: string;
+  completionTime: string;
+  transaction: Transaction;
+  fee: number;
+}
+
+export interface MerchantAggregate {
+  kind: MerchantKind;
+  number: string;
+  name: string;
+  total: number;
+  count: number;
+  fees: number;
+  firstTime: string;
+  lastTime: string;
+  fulizaCount: number;
+}
+
+export interface AccountAggregate {
+  kind: "paybill";
+  number: string;
+  name: string;
+  account: string;
+  total: number;
+  count: number;
+  firstTime: string;
+  lastTime: string;
+}
+
+/** Collapse PDF line-breaks so regexes see a single details line. */
+export function normalizeDetails(details: string): string {
+  return details.replace(/[\r\n]+/g, " ").replace(/\s+/g, " ").trim();
+}
+
+function transactionAmount(transaction: Transaction): number {
+  if (transaction.withdrawn != null && transaction.withdrawn !== 0) {
+    return Math.abs(transaction.withdrawn);
+  }
+  if (transaction.paidIn != null && transaction.paidIn !== 0) {
+    return Math.abs(transaction.paidIn);
+  }
+  return 0;
+}
+
+function parseCompletionTime(value: string): number {
+  const ts = Date.parse(value.replace(" ", "T"));
+  return Number.isNaN(ts) ? 0 : ts;
+}
+
+function isChargeDetails(details: string): boolean {
+  return details.toLowerCase().includes("charge");
+}
+
+/**
+ * Parse Pay Bill / Merchant (till) payment rows from statement details.
+ * Returns null for charges, P2P, and anything else.
+ */
+export function parseMerchantPayment(
+  transaction: Transaction
+): Omit<ParsedMerchantPayment, "fee"> | null {
+  const details = normalizeDetails(transaction.details);
+  if (!details || isChargeDetails(details)) return null;
+
+  const viaFuliza = /fuliza/i.test(details);
+  const viaCard = /^Card\s+/i.test(details);
+
+  // Pay Bill Online to 444400 - Nairobi Water… Acc. 5033619
+  // Card Pay Bill Online to 903470 - M-PESA GlobalPay Acc. DIGITALOCEAN…
+  // Pay Bill to 4031101 - RED GINGER… Acc. 21
+  // Pay Bill Fuliza M-Pesa to …
+  const paybill = details.match(
+    /^(?:Card\s+)?Pay Bill(?: Online| Fuliza M-Pesa)? to (\d+)\s*-\s*(.+?)(?:\s+Acc\.\s*(.+))?$/i
+  );
+  if (paybill) {
+    return {
+      kind: "paybill",
+      number: paybill[1],
+      name: paybill[2].trim(),
+      account: paybill[3]?.trim() || null,
+      viaFuliza,
+      viaCard,
+      amount: transactionAmount(transaction),
+      receiptNo: transaction.receiptNo,
+      completionTime: transaction.completionTime,
+      transaction,
+    };
+  }
+
+  // Merchant Payment Online to 766114 - STEAK AND PANCAKE LTD1
+  // Merchant Payment Fuliza M-Pesa Online to 6727015 - Nairobi Java…
+  // Merchant Payment to 998536 - CHICKEN INN…
+  const till = details.match(
+    /^Merchant Payment(?: Online| Fuliza M-Pesa Online)? to (\d+)\s*-\s*(.+)$/i
+  );
+  if (till) {
+    return {
+      kind: "till",
+      number: till[1],
+      name: till[2].trim(),
+      account: null,
+      viaFuliza,
+      viaCard,
+      amount: transactionAmount(transaction),
+      receiptNo: transaction.receiptNo,
+      completionTime: transaction.completionTime,
+      transaction,
+    };
+  }
+
+  return null;
+}
+
+function feeForReceipt(
+  receiptNo: string,
+  byReceipt: Map<string, Transaction[]>
+): number {
+  const siblings = byReceipt.get(receiptNo) || [];
+  return siblings.reduce((sum, t) => {
+    if (!isChargeDetails(t.details)) return sum;
+    return sum + transactionAmount(t);
+  }, 0);
+}
+
+export function collectMerchantPayments(
+  statement: MPesaStatement
+): ParsedMerchantPayment[] {
+  const byReceipt = new Map<string, Transaction[]>();
+  statement.transactions.forEach((t) => {
+    const list = byReceipt.get(t.receiptNo) || [];
+    list.push(t);
+    byReceipt.set(t.receiptNo, list);
+  });
+
+  const payments: ParsedMerchantPayment[] = [];
+  for (const transaction of statement.transactions) {
+    const parsed = parseMerchantPayment(transaction);
+    if (!parsed || parsed.amount <= 0) continue;
+    payments.push({
+      ...parsed,
+      fee: feeForReceipt(transaction.receiptNo, byReceipt),
+    });
+  }
+  return payments;
+}
+
+export function aggregateByMerchant(
+  payments: ParsedMerchantPayment[]
+): MerchantAggregate[] {
+  const map = new Map<string, MerchantAggregate>();
+
+  for (const payment of payments) {
+    const key = `${payment.kind}:${payment.number}`;
+    const existing = map.get(key);
+    if (!existing) {
+      map.set(key, {
+        kind: payment.kind,
+        number: payment.number,
+        name: payment.name,
+        total: payment.amount,
+        count: 1,
+        fees: payment.fee,
+        firstTime: payment.completionTime,
+        lastTime: payment.completionTime,
+        fulizaCount: payment.viaFuliza ? 1 : 0,
+      });
+      continue;
+    }
+
+    existing.total += payment.amount;
+    existing.count += 1;
+    existing.fees += payment.fee;
+    if (payment.viaFuliza) existing.fulizaCount += 1;
+
+    // Prefer the most recent non-empty display name
+    if (payment.name) existing.name = payment.name;
+
+    if (
+      parseCompletionTime(payment.completionTime) <
+      parseCompletionTime(existing.firstTime)
+    ) {
+      existing.firstTime = payment.completionTime;
+    }
+    if (
+      parseCompletionTime(payment.completionTime) >
+      parseCompletionTime(existing.lastTime)
+    ) {
+      existing.lastTime = payment.completionTime;
+    }
+  }
+
+  return Array.from(map.values()).sort((a, b) => b.total - a.total);
+}
+
+export function aggregateByAccount(
+  payments: ParsedMerchantPayment[]
+): AccountAggregate[] {
+  const map = new Map<string, AccountAggregate>();
+
+  for (const payment of payments) {
+    if (payment.kind !== "paybill" || !payment.account) continue;
+    const key = `${payment.number}|${payment.account}`;
+    const existing = map.get(key);
+    if (!existing) {
+      map.set(key, {
+        kind: "paybill",
+        number: payment.number,
+        name: payment.name,
+        account: payment.account,
+        total: payment.amount,
+        count: 1,
+        firstTime: payment.completionTime,
+        lastTime: payment.completionTime,
+      });
+      continue;
+    }
+
+    existing.total += payment.amount;
+    existing.count += 1;
+    if (payment.name) existing.name = payment.name;
+    if (
+      parseCompletionTime(payment.completionTime) <
+      parseCompletionTime(existing.firstTime)
+    ) {
+      existing.firstTime = payment.completionTime;
+    }
+    if (
+      parseCompletionTime(payment.completionTime) >
+      parseCompletionTime(existing.lastTime)
+    ) {
+      existing.lastTime = payment.completionTime;
+    }
+  }
+
+  return Array.from(map.values()).sort((a, b) => b.total - a.total);
+}
+
+function styleHeaderRow(
+  worksheet: ExcelJS.Worksheet,
+  row: number,
+  columns: number,
+  fillArgb: string
+): void {
+  for (let col = 1; col <= columns; col++) {
+    const cell = worksheet.getCell(row, col);
+    cell.font = { bold: true };
+    cell.fill = {
+      type: "pattern",
+      pattern: "solid",
+      fgColor: { argb: fillArgb },
+    };
+    cell.alignment = { horizontal: "center", wrapText: true };
+    cell.border = {
+      top: { style: "thin" },
+      left: { style: "thin" },
+      bottom: { style: "thin" },
+      right: { style: "thin" },
+    };
+  }
+}
+
+function applyRowBorders(
+  worksheet: ExcelJS.Worksheet,
+  row: number,
+  columns: number
+): void {
+  for (let col = 1; col <= columns; col++) {
+    worksheet.getCell(row, col).border = {
+      top: { style: "thin" },
+      left: { style: "thin" },
+      bottom: { style: "thin" },
+      right: { style: "thin" },
+    };
+  }
+}
+
+export function addPayBillsTillsSheet(
+  workbook: ExcelJS.Workbook,
+  statement: MPesaStatement
+): void {
+  const payments = collectMerchantPayments(statement);
+  const byMerchant = aggregateByMerchant(payments);
+  const byAccount = aggregateByAccount(payments);
+
+  const worksheet = workbook.addWorksheet("Pay Bills & Tills");
+
+  worksheet.columns = [
+    { header: "Type", key: "type", width: 12 },
+    { header: "Number", key: "number", width: 12 },
+    { header: "Name", key: "name", width: 36 },
+    { header: "Total (KSh)", key: "total", width: 14 },
+    { header: "Count", key: "count", width: 10 },
+    { header: "Fees (KSh)", key: "fees", width: 12 },
+    { header: "First", key: "first", width: 20 },
+    { header: "Last", key: "last", width: 20 },
+    { header: "Fuliza #", key: "fuliza", width: 10 },
+  ];
+
+  let currentRow = 1;
+
+  worksheet.mergeCells(`A${currentRow}:I${currentRow}`);
+  worksheet.getCell(`A${currentRow}`).value = "PAY BILLS & TILLS";
+  worksheet.getCell(`A${currentRow}`).font = {
+    bold: true,
+    size: 16,
+    color: { argb: "FFFFFFFF" },
+  };
+  worksheet.getCell(`A${currentRow}`).fill = {
+    type: "pattern",
+    pattern: "solid",
+    fgColor: { argb: "FF2E75B6" },
+  };
+  worksheet.getCell(`A${currentRow}`).alignment = { horizontal: "center" };
+  currentRow += 2;
+
+  if (payments.length === 0) {
+    worksheet.mergeCells(`A${currentRow}:I${currentRow}`);
+    worksheet.getCell(`A${currentRow}`).value =
+      "No pay bill or till payments found in this statement.";
+    worksheet.getCell(`A${currentRow}`).font = {
+      italic: true,
+      color: { argb: "FF666666" },
+    };
+    return;
+  }
+
+  const paybillSpend = payments
+    .filter((p) => p.kind === "paybill")
+    .reduce((sum, p) => sum + p.amount, 0);
+  const tillSpend = payments
+    .filter((p) => p.kind === "till")
+    .reduce((sum, p) => sum + p.amount, 0);
+  const totalFees = payments.reduce((sum, p) => sum + p.fee, 0);
+  const distinctPaybills = byMerchant.filter((m) => m.kind === "paybill").length;
+  const distinctTills = byMerchant.filter((m) => m.kind === "till").length;
+
+  worksheet.getCell(`A${currentRow}`).value = "SUMMARY";
+  worksheet.getCell(`A${currentRow}`).font = { bold: true, size: 12 };
+  worksheet.getCell(`A${currentRow}`).fill = {
+    type: "pattern",
+    pattern: "solid",
+    fgColor: { argb: "FFDDEBF7" },
+  };
+  currentRow++;
+
+  const summaryLines: [string, string | number][] = [
+    ["Pay Bill spend", paybillSpend],
+    ["Till / Buy Goods spend", tillSpend],
+    ["Combined spend", paybillSpend + tillSpend],
+    ["Fees on those payments", totalFees],
+    ["Distinct paybills", distinctPaybills],
+    ["Distinct tills", distinctTills],
+    ["Total payments", payments.length],
+  ];
+
+  summaryLines.forEach(([label, value]) => {
+    worksheet.getCell(`A${currentRow}`).value = label;
+    worksheet.getCell(`A${currentRow}`).font = { bold: true };
+    worksheet.getCell(`B${currentRow}`).value = value;
+    if (
+      typeof value === "number" &&
+      (label.toLowerCase().includes("spend") ||
+        label.toLowerCase().includes("fees") ||
+        label.toLowerCase().includes("combined"))
+    ) {
+      worksheet.getCell(`B${currentRow}`).numFmt = "#,##0.00";
+    }
+    currentRow++;
+  });
+
+  currentRow += 1;
+
+  // --- By number ---
+  worksheet.mergeCells(`A${currentRow}:I${currentRow}`);
+  worksheet.getCell(`A${currentRow}`).value = "BY PAYBILL / TILL";
+  worksheet.getCell(`A${currentRow}`).font = { bold: true, size: 12 };
+  worksheet.getCell(`A${currentRow}`).fill = {
+    type: "pattern",
+    pattern: "solid",
+    fgColor: { argb: "FFDDEBF7" },
+  };
+  currentRow++;
+
+  const merchantHeaders = [
+    "Type",
+    "Number",
+    "Name",
+    "Total (KSh)",
+    "Count",
+    "Fees (KSh)",
+    "First",
+    "Last",
+    "Fuliza #",
+  ];
+  merchantHeaders.forEach((header, index) => {
+    worksheet.getCell(currentRow, index + 1).value = header;
+  });
+  styleHeaderRow(worksheet, currentRow, merchantHeaders.length, "FFBDD7EE");
+  currentRow++;
+
+  byMerchant.forEach((row) => {
+    const values: (string | number)[] = [
+      row.kind === "paybill" ? "Pay Bill" : "Till",
+      row.number,
+      row.name,
+      row.total,
+      row.count,
+      row.fees,
+      row.firstTime,
+      row.lastTime,
+      row.fulizaCount,
+    ];
+    values.forEach((value, index) => {
+      const cell = worksheet.getCell(currentRow, index + 1);
+      cell.value = value;
+      if (index === 3 || index === 5) cell.numFmt = "#,##0.00";
+    });
+    applyRowBorders(worksheet, currentRow, merchantHeaders.length);
+    currentRow++;
+  });
+
+  if (byAccount.length === 0) return;
+
+  currentRow += 1;
+
+  // --- Paybill accounts ---
+  worksheet.mergeCells(`A${currentRow}:G${currentRow}`);
+  worksheet.getCell(`A${currentRow}`).value = "PAYBILL ACCOUNTS";
+  worksheet.getCell(`A${currentRow}`).font = { bold: true, size: 12 };
+  worksheet.getCell(`A${currentRow}`).fill = {
+    type: "pattern",
+    pattern: "solid",
+    fgColor: { argb: "FFE2EFDA" },
+  };
+  currentRow++;
+
+  const accountHeaders = [
+    "Paybill",
+    "Name",
+    "Account",
+    "Total (KSh)",
+    "Count",
+    "First",
+    "Last",
+  ];
+  accountHeaders.forEach((header, index) => {
+    worksheet.getCell(currentRow, index + 1).value = header;
+  });
+  styleHeaderRow(worksheet, currentRow, accountHeaders.length, "FFC6EFCE");
+  currentRow++;
+
+  byAccount.forEach((row) => {
+    const values: (string | number)[] = [
+      row.number,
+      row.name,
+      row.account,
+      row.total,
+      row.count,
+      row.firstTime,
+      row.lastTime,
+    ];
+    values.forEach((value, index) => {
+      const cell = worksheet.getCell(currentRow, index + 1);
+      cell.value = value;
+      if (index === 3) cell.numFmt = "#,##0.00";
+    });
+    applyRowBorders(worksheet, currentRow, accountHeaders.length);
+    currentRow++;
+  });
+}
diff --git a/src/services/xlsxService.ts b/src/services/xlsxService.ts
index 86ec23b..1210441 100644
--- a/src/services/xlsxService.ts
+++ b/src/services/xlsxService.ts
@@ -12,6 +12,7 @@ import {
   addRecurringTransactionsSheet,
   addTimeOfDayActivitySheet,
   addReversalsSheet,
+  addPayBillsTillsSheet,
 } from "./exports";
 import { applyTransactionFilters } from "./transactionFilters";
 import { formatDate } from "../utils/dateFormatter";
@@ -126,6 +127,10 @@ export class XlsxService {
       addReversalsSheet(workbook, statement);
     }
 
+    if (options?.includePayBillsTillsSheet) {
+      addPayBillsTillsSheet(workbook, statement);
+    }
+
     // All remaining analytics sheets use filteredStatement so active filters
     // (e.g. exclude charges, sort order) are consistently reflected.
     if (options?.includeSummarySheet) {
diff --git a/src/shots/CaptureApp.tsx b/src/shots/CaptureApp.tsx
index 4e5a010..cc33876 100644
--- a/src/shots/CaptureApp.tsx
+++ b/src/shots/CaptureApp.tsx
@@ -95,6 +95,7 @@ const ALL_SHEETS: ExportOptionsType = {
   includeAmountDistributionSheet: true,
   includeTimeOfDaySheet: true,
   includeReversalsSheet: true,
+  includePayBillsTillsSheet: true,
   filterOutCharges: true,
 };
 
diff --git a/src/types/index.ts b/src/types/index.ts
index b80b841..d3b84e5 100644
--- a/src/types/index.ts
+++ b/src/types/index.ts
@@ -58,6 +58,7 @@ export interface ExportOptions {
   includeRecurringTransactionsSheet?: boolean;
   includeTimeOfDaySheet?: boolean;
   includeReversalsSheet?: boolean;
+  includePayBillsTillsSheet?: boolean;
   // Filter options
   filterOutCharges?: boolean;
   sortOrder?: SortOrder;