Systems already built, tested and running

Skip the long build. Start from a product that is already live with real businesses, then have us shape it to your workflow, your documents and your branding. Every one of them collects by M-Pesa and updates the balance automatically.

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Automotive

Car Showroom System

Run the yard and the sales desk from one place, with hire-purchase instalments collecting themselves.

Buyers pay by M-Pesa paybill using the number plate as the account number — the instalment balance updates the moment it lands
Every payment is captured automatically and the buyer gets an SMS with the amount paid and the balance left
Vehicle inventory with photos, specs & costs
Enquiries, test drives and sales pipeline
Quotations, invoices, deposits and instalments
Logbook transfer & document tracking
Salesperson commission and profit reports

WebMobileM-Pesa

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Logistics

Transport & Logistics System

Every trip, every litre and every shilling accounted for — including what customers have paid.

Customers settle freight invoices by M-Pesa paybill using the invoice or consignment number
Payments post against the right trip automatically, with an SMS receipt to the customer
Fleet, driver and compliance document registry
Trip dispatch, loading and delivery notes
Consignment tracking with customer updates
Fuel, service and spare-part logs
Per-vehicle and per-route profitability

WebDriver appM-Pesa

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Fitness

Gym Management System

Stop chasing lapsed members with a notebook — renewals collect themselves.

Members renew by M-Pesa paybill using their member number as the account number
The subscription extends automatically on payment, and the member gets an SMS confirming the new expiry date
Member profiles, photos and health notes
Plans, subscriptions, renewals and freezes
Check-in by card, fingerprint or phone number
Trainer schedules and class bookings
Automatic SMS reminders and revenue reports

WebM-PesaSMS

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Retail

Point of Sale — all types

Retail, supermarket, pharmacy, hardware, restaurant and bar — with M-Pesa reconciled per sale.

M-Pesa till and paybill payments are matched to the specific sale, not typed in by hand afterwards
The sale closes automatically once payment confirms, so the till balances at close of day
Barcode scanning and fast touch billing
Stock control, reorder alerts and expiry tracking
Multi-branch, multi-till, shift and Z-reports
Works offline and syncs when back online

DesktopM-PesaOffline

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Education

School Management System

Admissions to graduation, fees to report cards — with fee balances that update themselves.

Parents pay by M-Pesa paybill using the admission number as the account number
The fee balance updates within seconds and the parent gets an SMS showing the amount paid and the balance remaining
Student admissions, classes and streams
Fee structures, statements, balances and receipts
CBC & 8-4-4 exams, grading and report cards
Attendance, timetable, library and transport
Parent portal with SMS notifications

WebM-PesaParent SMS

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Hospitality

Hotel & Restaurant System

Front desk, kitchen and bar on the same ledger, with guest folios settled by M-Pesa.

Guests settle the folio by M-Pesa paybill using the room or booking number as the account number
The folio clears automatically on payment and the guest gets an SMS receipt
Room booking, check-in/out and housekeeping
Restaurant orders with kitchen & bar printing
Room service posting to guest folios
Banquet, conference and event bookings
Daily occupancy and revenue reports

WebM-PesaWaiter app

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Healthcare

Hospital & Clinic System

Patient records that follow the patient, not the file — and bills that settle by M-Pesa.

Patients pay consultation, laboratory and pharmacy charges by M-Pesa paybill using their patient number
The visit bill updates automatically on payment, with an SMS receipt to the patient
Registration, triage and queue management
Consultation notes, diagnosis and prescriptions
Laboratory and radiology requests & results
Pharmacy dispensing and stock
Cash, insurance and NHIF-style claim billing

WebM-PesaPharmacy

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People

HR & Payroll System

From hire to payslip without a single spreadsheet — salaries paid straight to M-Pesa.

Net pay is disbursed straight to staff M-Pesa numbers in a single batch (M-Pesa B2C)
Each payment is reconciled against the payslip automatically, and staff get an SMS confirming what was sent
Employee records, contracts and documents
Leave applications and approvals
Attendance, shifts and overtime capture
Payroll with statutory deductions and payslips
Appraisals and disciplinary records

WebM-Pesa payoutsPayroll

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Supply chain

Inventory & Warehouse System

Know what you hold, where it sits and what it is worth — and what has been paid for.

Customer orders are settled by M-Pesa paybill using the order number as the account number
Paid orders release for dispatch automatically, and stock moves with the payment rather than after it
Multi-store and multi-location stock
Goods received notes and supplier orders
Transfers, adjustments and stock takes
Batch, serial and expiry tracking
Valuation and slow-moving stock reports

WebM-PesaBarcode

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Finance

Accounting & Billing System

A ledger built for businesses, not accountants only — with M-Pesa reconciled as it arrives.

Customers pay invoices by M-Pesa paybill quoting the invoice number, and the receipt posts to the right account
The debtor ledger and bank reconciliation update automatically — no monthly statement-matching exercise
Chart of accounts, journals and general ledger
Invoices, quotations, receipts and credit notes
Debtors, creditors and bank reconciliation
VAT-ready documents and tax summaries
P&L, balance sheet and cash-flow reports

WebM-PesaVAT

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Property

Property & Rental System

Landlords and agents, finally on top of collections — rent posts itself.

Tenants pay by M-Pesa paybill using the account number the agent issues them
Rent posts to the oldest unpaid month automatically and the tenant gets an SMS with the amount paid and the balance
Properties, units and tenant records
Lease agreements and deposit tracking
Rent invoicing, receipts and arrears
Maintenance requests and expenses
Landlord statements and commission

WebM-PesaAuto-invoicing

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Restaurants

Restaurant POS — complete

Tables, orders, kitchen and till in one system, with every M-Pesa payment matched to its own bill automatically.

Customers pay by M-Pesa till or paybill using the table or bill number — the payment is matched to that exact bill and the balance clears itself
Captured automatically the moment Safaricom confirms it, and the customer gets an SMS receipt showing what was paid and anything still outstanding
Table plan, split bills, merged bills and bill transfers between tables
Waiter takes the order on a phone or tablet; it prints in the kitchen and at the bar as separate tickets
Kitchen display with order timing, so nothing is forgotten and slow tickets are visible
Menu with modifiers, combos, happy-hour pricing and recipe costing down to the ingredient
Stock deducted per plate sold, with reorder alerts on the ingredients that run out first
Takeaway, delivery and room-charge orders alongside dine-in
Shift handover, waiter sales, voids, discounts and a Z-report that balances at close
Daily profit per dish, per waiter and per branch — several branches on one dashboard

DesktopMobileM-PesaOffline

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Car care

Car Wash Management System

Vehicles in, wash packages, washer pay and daily takings — with M-Pesa collected against the number plate.

Customers pay by M-Pesa paybill using the number plate as the account number — the job is marked paid automatically and the balance updates itself
Every payment captured without anyone typing it in, and the customer gets an SMS with the amount paid and any balance left
Check a vehicle in by number plate; the system already knows the regulars and what they usually take
Wash packages and add-ons — body wash, interior, engine, polish, underbody — priced per vehicle class
Job cards through the bay: waiting, washing, drying, ready, collected
Washer assignment with commission or per-job pay worked out automatically
Prepaid packages and monthly subscriptions for regular customers, with the balance drawn down per wash
Loyalty: every nth wash free, tracked against the number plate
Consumables — shampoo, wax, towels — deducted per wash so you see what each bay really costs
Daily takings by bay, by washer and by package, with M-Pesa reconciled against the till

WebMobileM-Pesa

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Saccos

Sacco, Chama & Microfinance System

Savings, loans, guarantors and dividends on one ledger, with repayments collecting themselves by M-Pesa.

Members repay by M-Pesa paybill using their member number — the loan balance drops the moment it lands, no posting by hand
Every deposit and repayment is captured automatically and the member gets an SMS showing the amount and the new balance
Loan products with your own interest method, grace period and penalty rules
Applications, appraisal, guarantors and an approval trail that shows who approved what
Amortisation schedules, arrears ageing and a defaulters list that is actually current
Share capital, savings, fixed deposits and dividend calculation at year end
Disbursement straight to the member’s M-Pesa (B2C), with the reference stored against the loan
Member statements on demand, by SMS or email
Teller, loan officer and manager roles, each seeing only their own work

WebM-PesaSMS

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Churches

Church & Ministry System

Membership, giving and projects in one place — with tithes and offerings received by M-Pesa and receipted automatically.

Members give by M-Pesa paybill using their member number, and the contribution posts to the right person and the right fund on its own
An SMS receipt goes out immediately, and the giver can request their own statement at any time
Member register with families, groups, baptisms and dedications
Separate funds — tithe, offering, building, welfare, missions — each with its own running total
Project and pledge tracking, so you can see pledged against received
Attendance by service, cell group and event
Bulk SMS to the whole church, one group, or everyone who has not given this month
Expenses and a simple treasurer’s report the board can actually read

WebMobileM-PesaSMS

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Utilities

Water Billing & Utility System

Meter readings to monthly bills to payment — built for water projects, boreholes and estate utilities.

Customers pay by M-Pesa paybill using their meter or account number — the bill is settled automatically and the balance updates
Payment confirmed by SMS with the amount paid and anything still owing, so nobody has to ring the office to ask
Meter readings taken on a phone, with the previous reading shown so mistakes are caught on the spot
Bills generated for the whole zone in one run, on a schedule you set
Standing charges, tiered tariffs and arrears carried forward correctly
Disconnection and reconnection list, with reconnection fees applied automatically
New connections, deposits and meter replacements tracked per customer
Consumption history per meter, and zone reports that show where water is going missing

WebMobileM-Pesa

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Beauty

Salon, Spa & Barbershop System

Bookings, stylists, commissions and stock — with payment taken by M-Pesa at the chair.

Clients pay by M-Pesa till or paybill against the booking number, and the appointment closes itself once payment confirms
Automatic SMS receipt, plus a reminder the day before the next appointment
Appointment diary per stylist, with double-booking made impossible
Service menu with duration and price, so the diary blocks the right amount of time
Stylist commission worked out per service, ready for payday
Client history — what was done, by whom, with what product, and when
Product retail alongside services, from the same till
Salon stock deducted per treatment, with alerts before the colour runs out
Loyalty and prepaid packages, drawn down visit by visit

WebMobileM-PesaSMS

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Laundry

Laundry & Dry Cleaning System

Every garment tracked from drop-off to collection, with payment settled by M-Pesa against the ticket.

Customers pay by M-Pesa using the ticket number — the order is marked paid automatically and any balance is cleared
SMS on payment, and another the moment the order is ready for collection
Ticketing per item with tags, so a shirt is never handed to the wrong customer
Stage tracking: received, washing, pressing, ready, collected
Pickup and delivery runs with a route list for the rider
Price list by garment and service, including express charges
Corporate and hotel accounts billed monthly instead of per visit
Damage and claims log, with photos taken at drop-off
Daily takings, uncollected items and staff productivity reports

WebMobileM-Pesa

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Fuel

Petrol Station Management System

Pump readings, attendant shifts, fuel stock and credit customers — with M-Pesa reconciled to the shift.

Fleet and credit customers settle by M-Pesa paybill using their account or vehicle number, and the statement updates itself
Each payment is captured automatically with an SMS confirming the amount and the remaining credit
Opening and closing pump readings per shift, with variances flagged rather than buried
Attendant shift handover, cash declared against sales, shortages visible the same day
Fuel stock by tank, dips reconciled against sales, and evaporation losses tracked
Deliveries recorded per tanker with density and quantity
Credit customers, fleet cards and per-vehicle fuel limits
Shop and lubricants sold from the same till as fuel
Daily and monthly margin per product, per pump and per shift

DesktopWebM-Pesa

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Workshops

Garage & Auto Workshop System

Job cards, parts, mechanics and invoicing — with customers settling by M-Pesa against the number plate.

Customers pay by M-Pesa paybill using the number plate or job card number, and the invoice balance updates immediately
Payment captured automatically, with an SMS showing what was paid and what is left before release
Job cards from booking to release: diagnosis, approval, work done, quality check
Quotation first, with the customer approving by SMS before spanners are lifted
Parts issued against the job, so the cost of every repair is real, not estimated
Labour hours per mechanic, with productivity and rework visible
Service history per vehicle, and reminders when the next service is due
Insurance and fleet jobs billed to the company rather than the driver
Profit per job, per mechanic and per month

WebMobileM-Pesa

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Events

Events, Tickets & Bookings System

Sell tickets by M-Pesa, check people in at the gate, and know your numbers before the event ends.

Buyers pay by M-Pesa paybill and the ticket is issued automatically — no waiting for anyone to confirm the payment
The ticket arrives by SMS with a code, and the same code is what is scanned at the gate
Scanning at the gate, with a used ticket refused the second time it is presented
Ticket types, early-bird pricing, group tickets and complimentary passes
Venue or seat allocation where the event needs it
Live sales dashboard — tickets sold, money collected, gate attendance as it happens
Multiple gates and ushers, each scanning on their own phone
Bookings and deposits for venues, conferences and private functions
Post-event report with sales by channel and no-show rate

WebMobileM-PesaSMS

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Agriculture

Agri, Dairy & Farm System

Milk and produce collection, farmer accounts, inputs on credit and payouts straight to M-Pesa.

Farmer payouts go straight to their M-Pesa (B2C), with the reference stored against the collection record
Farmers buying inputs on credit repay by paybill using their farmer number, and the balance updates automatically with an SMS
Collection at the centre recorded per farmer per day, with an SMS confirming litres or kilos accepted
Rejections and quality tests logged, so a dispute is settled by the record rather than by argument
Monthly statements: produce delivered, inputs taken, deductions, net pay
Agrovet inputs issued on credit and recovered from the next payout automatically
Route and transporter records, with losses between farm and plant visible
Herd and production records — calving, AI, treatments, yield per cow
Season and enterprise costing, so you know which crop or line actually paid

WebMobileM-PesaSMS

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Parking

Parking Management System

Barrier to barrier: entry, time, charge and payment — collected by M-Pesa against the number plate.

Drivers pay by M-Pesa paybill using the number plate as the account number, and the ticket clears itself for exit
Confirmed by SMS with the amount paid, so there is no argument at the barrier
Entry and exit recorded by plate, with the charge worked out from the time spent
Hourly, daily and flat tariffs, with different rates by vehicle class or by zone
Monthly and prepaid parking for tenants and staff, drawn down automatically
Attendant mode on a phone where there is no barrier, with a printed or SMS ticket
Reserved bays, overstays and unpaid exits flagged in real time
Occupancy by hour, so you can see when the yard is actually full
Daily takings per attendant, per gate and per site

WebMobileM-Pesa

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Bespoke

Something else entirely

SACCO, church, microfinance, workshop, agri-supply, membership — if it has a workflow, we can build it, and collect for it.

M-Pesa collection built in from the start, with an account number that means something in your business
Balances update and receipts go out automatically, whatever you are charging for
We map your process before writing any code
Fixed scope and fixed quotation
Built on the same tested foundations
You own the system and the data

CustomM-PesaIntegrations

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Built into every system

Your customers pay by M-Pesa. The balance updates itself.

One paybill serves every system we run for you. What changes is the account number the payer types — and that is what tells the system whose balance to move.

They pay the paybill

The payer goes to Lipa na M-Pesa, enters your paybill, and types their account number — an admission number, a number plate, a tenant reference. Nothing to install, nothing to learn.

The balance updates itself

Safaricom notifies the system the moment the money lands. The payment is matched to the right account and applied to the oldest unpaid charge first — in seconds, with nobody keying anything in.

Everyone gets told

The payer receives an SMS with the amount paid and the balance remaining. Your staff see it on the dashboard. There is no end-of-day reconciliation exercise, because it already reconciled.

What your customer types as the account number

School fees: Admission number
Hire purchase: Vehicle number plate
Rent & property: Tenant account number
Gym membership: Member number
Clinic & pharmacy: Patient number
Hotel folio: Room or booking number
Invoices & orders: Invoice or order number
Anything custom: Whatever identifies the payer

Payers are inconsistent, so the matching is forgiving: KDA 123A, kda-123a and KDA123A all reach the same account. A payment typed against an account that does not exist is held and flagged for your staff rather than lost.

Never double-charged

Safaricom retries a confirmation until it gets a success response, so the same payment arrives several times. Each receipt number can only ever be banked once.

Overpayments become credit

Pay more than is owed and the excess sits as credit, settling the next charge automatically instead of needing a refund.

Oldest charge first

A part payment clears September before it touches October, so arrears age correctly and statements make sense.

Money is never lost

A payment with an unrecognised account number is stored with the reference the payer actually typed, ready to assign — not dropped.

See a payment land, live Ask on WhatsApp

Systems can also prompt a customer's phone directly (STK push), so they only enter their PIN — useful when you are chasing a balance over the phone.

Standard on every system

What you get, whichever one you pick

These are not optional extras we quote for later. They come with the product.

User roles & audit trail

Each user sees only what their role allows, and every sensitive action is logged with a name and timestamp.

Automatic backups

Scheduled backups to a second location, with a tested restore procedure — not just a folder someone remembers to copy.

Reports & exports

Every list filters, prints and exports to Excel or PDF, so you are never locked out of your own numbers.

Training & handover

On-site or online training for your staff, a written user guide, and support while the team settles in.

Deployment options: hosted by us in the cloud, installed on your own server, or a hybrid of both.

See it working with your own data

Book a walkthrough and we will load a sample of your products, students, vehicles or members so you judge it on your business, not a demo dataset.

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