Free tool

M-Pesa Reconciliation Savings Calculator

Matching M-Pesa payments to orders and invoices by hand quietly eats staff hours every day. Enter your numbers below and see the estimated monthly labour cost of manual reconciliation, the hours you could recover, and a realistic savings range if you automate. Built for Kenyan businesses, in KSh.

Your numbers

Tell us about your reconciliation

M-Pesa transactions per day

Payments received via M-Pesa (Till, Paybill or Pochi) on a typical day.

Staff doing reconciliation

People who match payments to orders or invoices.

Hours per day spent reconciling (per person)

Average time each of those staff spends matching payments daily.

Average monthly salary per staff member (KSh)

We convert this to an hourly cost using a 195-hour work month (4.33 weeks x 45 hours).

Days per month reconciliation is done

Six days a week is about 26 days a month.

Hard-to-match or disputed transactions: 8%

Share of payments with wrong reference, part-payment, or no clear match. These take the most time.

Unmatched or lost payments per month (KSh) (optional)

Payments that go unclaimed, get double-refunded, or are never reconciled. For context only.

How automation does it

Where the saved hours come from

We connect to the official Safaricom M-Pesa Daraja API so payment confirmations flow straight into your system. There is no more scrolling through SMS or an M-Pesa statement line by line. The automation does three jobs every day:

Matches payments to orders and invoices automatically, using the reference, amount, and phone number, so clean transactions reconcile themselves.
Flags mismatches - wrong references, part-payments, duplicates, or amounts that do not tie out - so your staff only look at the exceptions, not every line.
Produces a daily reconciliation report you can open each morning, showing what matched, what did not, and what needs a human decision.

We integrate with M-Pesa through the Daraja API only. We do not touch, request, or store your customers' transaction data beyond what your own system needs to match a payment to an order.