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Solutions Payment collection
Use case · Get paid faster

Invoiced, paid and reconciled — before the kettle boils.

Send the invoice on SMS, fire an M-Pesa STK Push, watch the webhook confirm into your CRM. No portal, no card form, no chasing — just the rails Kenyan customers already pay on every day.

M-Pesa STK Push OTP receipts Live reconciliation
JAMII GROCERS SMS · Invoice #4821
Jamii Grocers: Invoice #4821 ready. KSh 12,400 due. Pay securely: jamii.co.ke/p/482109:14
M-Pesa STK Enter PIN to pay KSh 12,400
to JAMII GROCERS
Confirmed RJ12X9 · KSh 12,400 to JAMII GROCERS · OTP 8392
For anyone who sends invoices

Customers don't fail to pay you. They fail to remember.

The slowest part of any Kenyan invoice is the customer hunting for paybill numbers and account references. Sozuri puts the right paybill, the right reference and a one-tap STK prompt in front of them — on the channel they actually check.

< 30sMedian pay-to-confirm
0Card forms required
YoursM-Pesa paybill
The journey

From invoice issued to bank-reconciled — three scenes

1 Send the ask

One SMS contains the amount, the reference and the pay button.

The accounting system fires an SMS the moment an invoice is issued. Personalised by name, with the exact amount and a hosted pay-link. For Safaricom subscribers, tapping the link launches the STK Push directly. For Airtel and Telkom, the hosted page handles it.

  • Branded sender ID so customers recognise the source
  • Hosted pay-link works on every Kenyan network
  • Reference (invoice #) embedded for clean reconciliation
JAMII GROCERS SMS · Invoice
Jamii Grocers: Habari Alice, your invoice #4821 is ready — KSh 12,400. Pay in one tap: jamii.co.ke/p/482109:14
Jamii Grocers: Reply HELP if you need a breakdown, or PAY to get the STK prompt now.09:14
2 Collect the cash

STK Push prompts the customer; Safaricom handles the PIN.

The customer taps the link or replies PAY — an STK Push appears on their phone, branded with your business name. They enter their M-Pesa PIN, Safaricom confirms, the funds settle into your paybill. The whole thing takes 12–30 seconds.

  • STK Push on Safaricom; hosted pay-link for other networks
  • Funds settle directly into your own paybill (you own the money)
  • OTP-stamped confirmation appears on both the customer's and cashier's phone
M-PESA STK Push
Lipa Na M-Pesa Pay KSh 12,400 to
JAMII GROCERS
Ref INV-4821
Confirmed RJ12X9 · OTP 8392 · 14 seconds
3 Reconcile in real time

Webhook lands in your accounting system. Invoice marked paid.

The moment the customer's PIN succeeds, Sozuri fires a webhook to your accounting system with the full M-Pesa payload — TransID, amount, MSISDN, customer name, BillRefNumber. The invoice is closed before the customer leaves the store.

  • Webhook fires within seconds of carrier confirmation
  • Idempotent on TransID — safe to retry, safe to replay
  • End-of-day report auto-emailed to accounts
YOUR ACCOUNTING APP Webhook in
POST /payments/confirm TransID:    RJ12X9PQRS
Amount:     12400.00
BillRef:    INV-4821
MSISDN:     +254712345678
FirstName: ALICE
Invoice closed #4821 marked PAID · balance 0
What's behind it

The collection stack — three products, one paybill

What changes

The cash-flow metrics that matter

3 days

Days sales outstanding (typical)

From the standard 14–21 for Kenyan SMBs. The pay-link removes the "I forgot the paybill" excuse.

98%

Auto-reconciliation

Webhook with TransID + BillRef matches the invoice automatically. Accounts manual work drops to exceptions only.

0

Screenshot disputes

OTP-stamped confirmations on both phones eliminate the fake-payment screenshot scam at the till.

“Our cashier used to spend 20 minutes a day checking whether SMS receipts were real. We switched to OTP-stamped Sozuri confirmations — that 20 minutes went to zero overnight.”

A Nairobi retailer using Sozuri Payments + SMS
INVOICE SMS · 09:14 STK PUSH · 09:14:14 PAID · 09:14:28
Your move

Stop chasing. Start collecting.

The slowest part of getting paid in Kenya isn't the customer's willingness — it's the friction. Sozuri removes the friction; the willingness does the rest.

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