Books that balance themselves
Match every M-Pesa payment to the right order automatically
We connect the M-Pesa Daraja API to your records so payments match themselves to orders and invoices, mismatches get flagged, and you get a reconciled report every day.
The problem
A Kenyan business taking payments on a till or paybill ends each day comparing the M-Pesa statement against orders by eye, hunting for the customer who paid the wrong amount or forgot the account number. It is tedious, error-prone, and it hides underpayments and the occasional staff pilferage until the numbers are long cold.
How it works
How we automate m-pesa reconciliation.
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Connect M-Pesa through the Daraja API
We link your paybill or till to your systems using Safaricom's official M-Pesa Daraja API, so confirmed payments flow in automatically and securely. No screenshots, no copying figures off a phone, no exports done by hand.
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Match payments to orders and invoices
Each incoming payment is matched to the right order or invoice using the account reference, amount and phone number. Clean matches reconcile themselves the moment the money lands, so most of the day's work simply disappears.
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Flag the mismatches for a human
Underpayments, overpayments, wrong account numbers and payments with no matching order are pulled into an exceptions list. Your team looks only at the handful that need judgement instead of scanning every single line.
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Confirm orders and update balances
When a payment matches, the order can be marked paid, the customer notified on WhatsApp, and the outstanding balance updated. Genuine part-payments are tracked so you know exactly who still owes what.
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Send a reconciled report daily
At the close of each day you get a clear report: total received, matched, unmatched and flagged, straight to WhatsApp or email. You know your true position every morning instead of at month end.
What you get
Why it is worth doing.
End-of-day balancing in minutes
Reconciliation that ate an hour or more of a staff member's evening happens automatically, leaving only the genuine exceptions for a person to resolve.
Catch underpayments and leakage early
Mismatches and shortfalls are surfaced the same day, so a wrong amount or a missing payment is chased while it is still fresh, not discovered weeks later.
Trustworthy daily numbers
You start each day knowing exactly what came in and what is outstanding, which makes cash flow, restocking and tax far easier to manage.
Built with
The channels and systems involved.
Put numbers to it.
Estimate the time and money this could save you. Free, no sign-up.
Questions
Common questions.
Is connecting the Daraja API to M-Pesa safe?
Yes. Daraja is Safaricom's official API for exactly this. We use secure credentials stored in environment variables, never touch customer PINs, and read only the payment confirmations we need.
What happens when a customer pays the wrong amount?
It lands in the exceptions list rather than being force-matched. Your team sees the shortfall or overpayment and can follow up, and part-payments are tracked against the balance owed.
Is this compliant with Kenyan data rules?
We build to the Data Protection Act 2019. Payment and customer data is stored on approved services with limited access, and we agree retention rules with you before launch.
How much does this cost?
It depends on your payment volume and the systems you want it to feed, so we scope the price per project after reviewing how you take payments today. The assessment is free.
Talk to us
Ready to automate m-pesa reconciliation?
Tell us how you handle it today and we'll show you what's possible. Scoped and quoted in writing, no obligation.