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Payments and M-PESA

Every payment recorded once, against the right invoice.

The customer paid, but the order still says unpaid. Or it says paid twice, or the month end means someone going down the M-PESA statement line by line. We build payments that hold up, and fix the ones already live that do not.

M-PESA, card, bank
one set of rules for all of them
New or already live
built from scratch, or fixed in place
No percentage
taken from your collections

What you get

What we build and fix

Taking the money is the easy part. The work is in what happens next: each payment recorded once, on the right account, and still agreeing with the statement at the end of the month.

M-PESA in your website or system

The customer gets the prompt on their phone, approves it, and the payment records itself against the right order or invoice. Paybill, till and payouts through Safaricom's Daraja or an aggregator, with card and bank alongside.

Never lost, never counted twice

Safaricom's confirmation sometimes arrives twice, late, or not at all. Each payment is applied once, and one that never confirms is checked with Safaricom directly instead of being left looking unpaid.

Reconciliation without matching rows

Paybill, till and bank statements matched to invoices by receipt number and account reference. Only the genuinely unclear payments are left in a short list for a person to decide.

Warnings before customers complain

An alert when confirmations stop arriving, failed payments climb, or unmatched deposits start piling up, so you hear about it before a customer calls.

Payouts and refunds with controls

Suppliers, staff and refunds paid to mobile money or a bank account, with approvals and daily limits so one person cannot move money alone, and a record of who released what.

Fixing what is already live

Most broken integrations take the money fine and lose track of it afterwards. We find which part is failing and fix it in place, rather than selling you a rebuild.

Is this right for you

Right for you if

  • Customers say they paid and your system disagrees
  • Someone spends days each month matching M-PESA statements to invoices
  • You are adding M-PESA or card to a website, app or system and need it right first time
  • You pay suppliers, staff or casual workers by mobile money

Not the right buy if

  • You bill the same customers every cycle and only need invoicing, collection and reconciliation. BillGrid already does that for a few thousand shillings a month.
  • You sell over the counter and a plain till is enough. That is a Safaricom application, not software.

How it runs

What happens, step by step

The price is fixed in writing before any work starts, and never paid in full upfront.

01 Walk us through one payment On a short call, we follow one real payment from the customer's phone to your books, and see where it goes wrong, or where it would.
02 A fixed scope and price A new integration is scoped and priced in writing before work starts. One that is already live usually starts with a review, so the fix is aimed at what is actually failing.
03 Tested against what goes wrong Payments arriving twice, confirmations that never arrive, customers closing the app halfway. Each is tested on purpose before anything goes live, because each one happens every week.
04 Watched after launch The first weeks of live payments are watched closely, and Care takes over after that, so a change at Safaricom's end does not quietly stop you collecting.

Where to start

Pick the way in that fits where you are

Each of these has its own page, with what it covers, how long it takes and how it is priced.

Review Payments already live and losing or doubling money? A review traces where it leaks and ranks the fixes by what they cost you. Build Building something new that takes money? Payments are part of every build we do, not an extra. Discovery Payments are one part of a larger system? Discovery fixes the scope and price of the whole thing before anyone builds it. Care Live and working? Care watches it, and on Operations we go through the reconciliation with you every month.
See a realistic range for your project

Before you commission a payments build

If what you need is billing the same customers every cycle and collecting what they owe, BillGrid already does it, with payments matched from your paybill, till and bank. A build earns its price when payments have to live inside a system of your own.

See BillGrid

Where we already do this

Running in our own software

We learned what breaks on products we run ourselves, at our own expense, before charging anyone for it.

BillGrid Our own billing software takes payments from paybills, tills and banks and works out which account and invoice each one settles. We run it, so its month ends are ours to get right. SiteBooks Pays casual wages on construction sites straight to M-PESA, approved once, with a record of who released each payment.

Read before you call

M-PESA Integration in 2026: The Complete Practical Guide for Kenyan Businesses Daraja v2, M-PESA Express, Till 2.0, callback idempotency, reconciliation, and the production gotchas that break real integrations in Kenya. M-PESA Webhooks vs Polling: When Each Actually Wins Daraja callbacks are not always reliable. When to poll the Transaction Status endpoint instead, how often, and how to avoid duplicate ledger entries. Why Most Kenyan E-commerce Checkouts Lose Half Their Customers M-PESA STK delays, mandatory account creation, missing guest checkout, broken mobile UX, and the friction that turns a hot WhatsApp lead into an abandoned cart.

Before you commit

What people ask about payments

Can you put M-PESA into my website or system?
Yes, and this is most of what we do. The customer gets the prompt on their phone and approves it, the payment records itself against the right order or invoice, and both of you get a receipt. Card and bank can sit alongside it.

Paybill or till - which do I need, and can you help me get one?
A till suits over-the-counter selling. A paybill suits invoicing, where each customer has an account number so payments identify themselves. We advise on which fits and help with the Safaricom application, though the account has to be in your business name and the approval time is theirs, not ours.

What happens when a payment fails or gets stuck halfway?
This is the part most systems get wrong. Money arriving twice must not be counted twice, a message going missing must not lose the payment, and a customer closing their phone mid-way must not leave a half-finished order. We build and test for all three, because they happen every week rather than never.

My M-PESA statement and my books never agree. Can that be fixed?
Yes, and it is the most common thing we get called about. BillGrid takes what lands in your paybill, till or bank, works out which account and invoice each payment settles, and leaves only what it genuinely cannot match for a person to decide.

Can the system pay people out, not just take money in?
Yes. Paying suppliers, staff, or refunds straight to mobile money or a bank account, with approvals and daily limits so one person cannot move money alone. Casual wages on a construction site work exactly this way in SiteBooks.

Who pays the transaction charges?
Safaricom and the card processors charge their own fees and those go to them, not to us. We do not add a percentage on top of your collections. We will show you what the charges look like at your volume so there are no surprises.

Is it safe to take payments through a system you build?
Card details never touch your system - they go straight to the processor. For M-PESA, the safety questions are whether prices are worked out on your side rather than trusted from the customer's phone, and whether a payment can be recorded without the money arriving. Both are on our audit list and both get tested.

Every question we get asked is on one page, if you would rather read the lot.

Also built by us

eTIMS - eTIMS inside the system you already invoice from. KRA eTIMS inside the system you invoice from. AI workflows - AI that does the dull work, then waits for a person. Reading, sorting and drafting, with a person approving.

Talk to us about payments

The call is free, and ends with a straight answer on whether this fits, how long it would take, and what it would roughly cost.

  • Free 30-minute call
  • Fit, timeline and budget range
  • A straight answer if you do not need us

Or reach us directly

Weekdays, and we answer the same day.