Payments
Money comes in from mobile money, cards and the bank, and nothing matches.
One system that accepts payments from every channel, pays out when needed, and matches every payment to the right customer and invoice automatically.
No double charges, no missing money, no month-end detective work.
Does this sound like you?
- Someone spends days each month matching payments to invoices in a spreadsheet.
- Customers pay with the wrong reference, and the money sits unallocated.
- You have had to refund a customer who was charged twice.
- You only learn a payment failed when the customer complains.
If two or more of these are true, this is the system you are looking for.
What you get
Built for: Businesses taking payments through mobile money, cards and bank transfers.
- Accept mobile money, card and bank payments in one place.
- Every payment matched to the right customer and invoice automatically.
- Payouts to suppliers, staff or agents, with approvals before money leaves.
- A daily report of what came in, what went out, and what needs attention.
How it works, day to day
- 1
The customer pays
By mobile money, card or bank transfer, through whichever channel suits them.
- 2
The payment is confirmed
The system receives the confirmation straight from the provider, checks it is genuine, and checks it has not been seen before.
- 3
The payment is matched
It is linked to the right customer and invoice using the reference, phone number or amount. Anything unclear goes to a short review list.
- 4
Your books update themselves
Receipts, your accounting system and your reports update automatically, and a summary of the day is ready each morning.
How we start
- Step 1
Understand
A short discovery to map your process, risks and goals. You get a written plan and a price for the first phase, and you can stop there if it is not a fit.
- Step 2
Design
Screens and flows tested with the people who will use them, before any heavy building. Changing a drawing is cheaper than changing code.
- Step 3
Build in the open
Working software every two weeks. You try it, give feedback and see exactly where the budget is going.
- Step 4
Hand over and stay
Documentation, monitoring and training for your team, with ongoing support available if you want it.
Questions
Common questions about payment collection and reconciliation
How do I reconcile M-Pesa payments automatically?
Connect your paybill or till to a system that receives each payment as it happens, reads the account reference, and matches it to the customer and invoice. Anything it cannot match goes to a short exceptions list instead of a spreadsheet hunt.
How do I stop customers being charged twice?
Every payment gets a unique reference, and the system refuses to process the same reference twice, even if the payment provider sends the confirmation more than once or late.
Can it connect to our accounting software?
Yes. Matched payments can be posted into the accounting or ERP system you already use, so nobody types them in a second time.
Is it safe to connect payments to our systems?
Yes, when it is done properly. Every confirmation is checked to be genuine, access is limited to the people who need it, and every action is logged so you can always see who did what.
What happens when a payment provider is down?
Payments that cannot be confirmed yet are held and checked again automatically, and your team is alerted. Nothing is marked as paid until the money is confirmed.
How long does it take to set up?
Connecting one payment channel and matching it to your invoices is the natural first step and the quickest win. More channels follow once that one runs cleanly. You get a firm timeline after the discovery.
Other problems we solve
- Field team tracking and route planning
- Point of sale that works offline
- Business management system (ERP)
- Procurement and supplier management
- Billing for internet service providers
- Core banking for savings and lending
- Ads and social media management
- Online store connected to your shop
- Dashboards and practical AI
Start a project
Tell us what is not working.
The quickest way is WhatsApp. Write a few lines below and it opens with your message ready to send.
- 1You tell us what is not working, in your own words. No brief needed.
- 2We have a 30-minute call. You leave with an honest view, even if it is not us.
- 3If it is a fit, you get a written plan and a price for the first phase.
Prefer email? [email protected]
Nairobi, Kenya. Working with teams worldwide.