M-Pesa and mobile money

Once Kaydro has connected your M-Pesa Paybill or Till, every payment lands in one inbox and goes on the right customer's account by itself: Accounting → Payments → M-Pesa (owners, managers and whoever keeps the books).

Kaydro places a payment by, in order: a till sale with that M-Pesa code typed in; the account number the customer typed (an invoice number such as INV-0042, a student's admission number, a unit, or their phone); the phone it came from; or a payer name saved on a customer. It then settles their oldest invoices, fees or rent first. A Till (Buy Goods) payment waits an hour for the cashier to claim it at the till.

• Waiting lists what nobody could place. Click Whose is this?, find the customer, invoice or student, and leave Next time this name pays, put it on their account by itself ticked. Set it aside is for money that is nobody's account, with why.
• Ask to pay by M-Pesa on an unpaid invoice, a family's fees or a tenant who owes sends a PIN prompt to the customer's phone with the amount filled in.
• Check against your M-Pesa statement: upload the statement from the M-Pesa business portal (CSV, Excel or PDF). Missed payments are added and placed; others are skipped. Do it monthly.

Not yet possible: paying out to phones, reversals, or a paybill per branch.