Connect your shortcodes
Add your Daraja app and the shortcodes you use to receive and to pay out. Each one shows its purpose and balance.
- Your own paybill, till, and B2C
- Money never passes through Bizflow
- Balances in one place
Payments integration
M-PESA in and out, on your own shortcodes.
Connect your own paybill, till, and B2C shortcodes. Collect from customers, pay staff and suppliers after approval, and match every payment to its invoice or request.
- Connects with
- Your Daraja app
- Shortcodes
- Paybill, till, and B2C
- Available on
- Every plan
- Set up by
- An admin, with our help
Money in
- Paybill and till payments
- STK push prompts
- Payment links on invoices
- Matched to invoices
Money out
- Petty cash and refunds to phones
- Bills to paybills and tills
- Bulk payouts and casual wages
- Status checked for every payment
What it does
Every M-PESA payment, tied to a record.
Bizflow uses Safaricom's M-PESA APIs on your own shortcodes, so money moves straight to and from your accounts.
TransactionDirectionWhat happens in Bizflow
- Paybill and till paymentsMoney inRecorded as they land and matched to the invoice by account number
- STK pushMoney inThe customer gets a prompt for the exact amount and enters their PIN
- Payment linksMoney inSent with an invoice; the customer pays by STK push from a web page
- Payments to phones (B2C)Money outPetty cash, refunds, commissions, and casual wages, once approved
- Payments to paybills and tills (B2B)Money outSupplier bills, utilities, and expenses, once approved
- Balances and status checksBothBalances on each shortcode, and every payment's result checked with M-PESA
How it works
Connect, collect, pay out.
Your shortcodes, connected once, then collections and payouts run through Bizflow with approvals and matching.
Collect and match
Customers pay by paybill, till, STK push, or a payment link. Each payment is matched to its invoice, and anything without a match is flagged.
- Matched by account number
- Payment links on invoices
- Unmatched payments to review
Send a link to pay
Every invoice can carry a payment link. The customer opens it, enters their number, and approves the M-PESA prompt.
- No paybill or account number to type
- Exact amount every time
- Receipt as soon as it lands
Pay out after approval
Approved petty cash, expenses, bills, and bulk payments go to phones, tills, and paybills, and each result is checked with M-PESA.
- Phones, tills, and paybills
- Approval before money moves
- Status checked automatically
Get connected
Connect M-PESA in three steps.
You need a paybill or till from Safaricom and access to the Daraja portal. Our team can help you get the details.
- 1Get your Daraja detailsFrom Safaricom's Daraja portal, get the keys for your paybill, till, or B2C shortcode. We can walk you through it.
- 2Add them in BizflowAn admin adds each shortcode in Settings and chooses what it is used for: collecting, paying out, or both.
- 3Collect and payInvoices carry payment links, payments match themselves, and approved payouts go out by M-PESA.
Frequently asked questions
Do we use our own paybill or yours?
Your own. Bizflow connects to your paybill, till, and B2C shortcodes through your Daraja app, so money goes straight to and from your accounts. If you don't have a shortcode, the Bizflow Wallet can collect and pay out for you.
How are payments matched to invoices?
By the account number the customer enters, or automatically for STK push and payment links. Payments that don't match are listed for review.
What can we pay by M-PESA?
Petty cash, expense refunds, commissions, and casual wages to phones; supplier bills, utilities, and expenses to paybills and tills. Each payment follows your approval route first.
What if M-PESA doesn't confirm a payment?
Bizflow checks the transaction status with M-PESA and updates the record, so a payment isn't sent twice.
Can we reverse a payment from Bizflow?
No. Reversals are done with Safaricom. Bizflow records the payment and its receipt.
The plan for M-PESA.
M-PESA payouts for petty cash and expenses come with Starter. Growth adds bills, bulk payments, and payment reconciliation.
Compare all plansStarterWhere most start
KES 5,000 a month
Or KES 4,500 a month, paid yearly
- ✓Expenses and petty cash
- ✓Approvals and budgets
- ✓Bizflow Wallet with M-PESA
- ✓Accounting sync
- ✓Bizflow AI with Claude
Growth
KES 12,000 a month
Or KES 10,800 a month, paid yearly
- ✓eTIMS invoices and credit notes
- ✓Requisitions, purchase orders, and bills
- ✓Bulk payments
- ✓Payment reconciliation
- ✓10 users and 3 branches
More integrations
Works with the rest of your stack.
LiveQuickBooks OnlineExpenses, bills, invoices, and payments sync to QuickBooks, coded to your accounts.
LiveZoho BooksExpenses, bills, and invoices sync to Zoho Books, with your accounts and taxes.- LiveBank statementsUpload statements from any bank as CSV or Excel and match them to your records.
- LiveBizflow WalletA business wallet for collections and payouts by M-PESA and bank.
Run your M-PESA through Bizflow.
Book a demo and see collections, payouts, and matching on your own shortcodes.
