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    2. M-Pesa Rent Collection - Automate Pay Bill & Buy Goods Payments
    Expert Guide

    M-Pesa Rent Collection - Automate Pay Bill & Buy Goods Payments

    Automatically track and reconcile rent payments from M-Pesa Pay Bill and Buy Goods. No more manual checking of M-Pesa statements or missed payments.

    The M-Pesa Rent Tracking Nightmare

    1st of Every Month - The Chaos Begins

    Your phone buzzes with M-Pesa messages. "Wanjiku paid KES 25,000." "Ochieng sent KES 18,000." You open your notebook. Which unit is Wanjiku? Did Ochieng pay the full amount or is this partial?

    Checking Multiple Sources

    M-Pesa SMS messages. Pay Bill statements. Buy Goods transactions. Bank transfers. WhatsApp screenshots from caretakers. Cash receipts. All scattered across different places.

    Common issues:

    • • Missed payments because the message got buried
    • • Wrong tenant matched to payment
    • • Partial payments not tracked properly
    • • No paper trail for KRA at tax time

    Time wasted each month: 4-8 hours

    Plus the stress of wondering if you missed a payment

    Automatic M-Pesa Rent Tracking

    Payments Appear Automatically

    KodiSawa connects directly to your M-Pesa Pay Bill and Buy Goods accounts via Safaricom's Daraja API. When a tenant pays, the payment appears in your dashboard within minutes — already matched to the right tenant and unit.

    How It Works

    • 1. Connect your M-Pesa: Enter your Pay Bill or Buy Goods shortcode credentials
    • 2. Add your tenants: Import tenants with their phone numbers and expected rent
    • 3. Payments auto-match: KodiSawa matches incoming payments to tenants by phone number
    • 4. Review dashboard: See who paid, who's late, and any unmatched payments

    Time to know who paid: Instant

    Open dashboard, see all payments, done

    M-Pesa Integration Features
    Pay Bill IntegrationConnect your business Pay Bill number. Payments sync automatically.
    Buy Goods SupportTill number payments from tenants who use Lipa na M-Pesa.
    Auto-MatchingPayments matched to tenants by phone number or account reference.
    Partial Payment AlertsKnow immediately when a tenant pays less than expected.
    Unmatched Payment QueueEasily review and assign payments that couldn't auto-match.
    Real-Time SyncPayments appear within minutes of tenant paying.
    Secure M-Pesa Connection

    Your M-Pesa credentials are encrypted and securely stored. We use Safaricom's official Daraja API — the same integration banks and businesses across Kenya rely on.

    Your Data is Protected

    Read-Only AccessWe can only read incoming payments — we cannot initiate transactions or access your M-Pesa PIN
    Encrypted StorageAll credentials encrypted at rest using industry-standard encryption
    Official Safaricom APIUsing the same trusted API that powers M-Pesa integrations for major Kenyan businesses

    From 6 Hours to 10 Minutes Monthly

    “I used to spend the first week of every month reconciling M-Pesa payments across my 3 buildings. Now I open KodiSawa and everything's already matched. The time savings alone is worth it — but what I really love is the peace of mind.”

    — Grace Wanjiku, Landlord with 45 units in Kilimani

    What Our Users Say

    "Before KodiSawa, I spent hours matching M-Pesa messages to tenants. Now payments auto-match and I just review the dashboard. Incredible time saver."

    Landlord, Kilimani

    "The M-Pesa integration works flawlessly. Both my Pay Bill and Buy Goods payments come in automatically. No more checking Safaricom statements."

    Property Investor, Ruaka

    "I was worried about security, but KodiSawa only reads payments — it cannot touch my M-Pesa account. Very reassuring."

    Landlord, Westlands

    Frequently Asked Questions

    How do I connect my M-Pesa Pay Bill?

    During setup, you'll enter your Safaricom Daraja API credentials (consumer key and secret). We guide you through the process step-by-step. Most landlords complete setup in under 10 minutes.

    Can I use both Pay Bill and Buy Goods?

    Yes. You can connect multiple M-Pesa accounts — Pay Bill, Buy Goods, or both. All payments will sync to your KodiSawa dashboard.

    How does auto-matching work?

    When a payment comes in, KodiSawa looks at the sender's phone number and any account reference. If it matches a tenant in your system, the payment is automatically assigned. Unmatched payments go to a queue for manual review.

    What if a tenant uses a different phone number?

    You can add multiple phone numbers per tenant. When you manually match a payment, KodiSawa remembers that phone number for future auto-matching.

    Is this secure? Can you access my M-Pesa?

    We use Safaricom's official Daraja API with read-only access. We can only see incoming payments — we cannot initiate transactions, see your PIN, or access your M-Pesa balance.

    Ready to simplify rent tracking?

    Start Tracking Rent Today

    Track every unit, tenant and rent payment in one place. Start your 14-day free trial today.

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    M-Pesa Ready

    Pay Bill and Buy Goods integration built in

    Multi-Property

    Manage all your properties from one dashboard

    KRA Compliant

    Tax-ready reports for hassle-free filing

    Built for Kenya
    KodiSawa

    The rent tracking platform built for Kenya. Connect M-Pesa, bank accounts, and track cash payments. Know exactly who paid rent.

    Built for Kenya

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