One wallet for every shilling in and out.
Collect from customers by M-PESA and bank, and pay suppliers, staff, and refunds from the same wallet. Every payment is approved first and lands in your books.
Trusted by growing businesses across Kenya
- businesses
- 50+
- businesses
- in transactions
- KES 150M+
- in transactions
Stop running your business from three phones and a bank app.
✕Customer payments land on a till, a paybill, and the bank, and nobody matches them.
✓Every payment comes into one wallet and is matched to its invoice.
✕Supplier payments go out one by one from a phone, with no approval.
✓Approved bills are paid in one run, with the approvers on record.
✕Month end means piecing together M-PESA statements and bank slips.
✓One statement with every payment, fee, and balance, already in your books.
Collect, pay, and know where it went.
Money comes in matched to invoices and goes out only after approval, with every payment, fee, and balance on record.
Money in, money out, one place.
Collect from customers and pay everyone else from the same wallet, with approvals before anything leaves and a record of every shilling.
- Money in
- M-PESA PaybillCustomers pay with the invoice number, and the invoice is marked paid.
- M-PESA TillCounter and walk-in sales land in the same wallet.
- Bank transferTop up from your bank, or let customers pay by transfer.
- Money out
- M-PESA to phonesStaff, casual workers, refunds, and commissions.
- Tills and paybillsShops, suppliers, utilities, and airtime.
- Bank accountsLarger supplier payments, one at a time or in bulk.
- Approved before it movesEvery payment follows your approval route first.
- Reserved, not spent twiceApproved payments hold their money until they go out.
- A record of everythingWho paid, who approved, and the M-PESA or bank reference.
- Straight to your booksPayments, deposits, and fees post to your accounting system.
Your wallet, in your pocket.
Check the balance, pay someone, or approve a payment run, from wherever you are.
Your balance, any time
Available and reserved money, and today's payments in and out.
Pay anyone
M-PESA, till, paybill, or bank, with approval when it is above your limit.
Approve a payment run
See every bill in the run and approve it in one tap.
On the Bizflow mobile app
A week of payments, by industry.
Every business moves money differently. Here's what goes in and out of the wallet in a typical week.
| Payment | Channel | In | Out |
|---|---|---|---|
| Subscriber payments1,284 accounts | M-PESA Paybill | 3,852,000 | |
| Technician fuel and airtime9 technicians | M-PESA phones | 58,500 | |
| Fibre and ONT supplier1 bill | Bank | 486,500 | |
| Wayleave fees3 county offices | M-PESA Paybill | 45,000 | |
| Net for the week | 3,852,000 | 590,000 | |
Money that moves on time, for everyone.
Finance pays in one run. Owners see the balance any time. Staff and suppliers get paid on time.
Finance pays in one run
Pay every approved bill and payout in one go, and reconcile without chasing slips.
Owners see the balance
Know what is available, what is reserved, and what came in today, from anywhere.
Everyone gets paid on time
Suppliers, staff, and casual workers are paid straight to their bank or M-PESA.
Ask Bizflow AI about your money.
Connect Claude to Bizflow and ask about your balance, payments, and fees in plain English. Answers come from your live Bizflow data.
Bizflow AI Connected to ClaudeHow much can we pay out this week?
Claude read from Bizflow · Wallet
KES 2,073,950 is available. Another KES 412,300 is reserved for the supplier run going out on Friday.
- Current balanceAvailable plus reservedKES 2,486,250
- ReservedSupplier run BP-0067, 7 billsKES 412,300
- AvailableReady to pay outKES 2,073,950
Open your wallet in three steps.
- 01
Open your wallet
Your wallet comes with your Bizflow workspace. Add your business details and who can use it.
- 02
Connect M-PESA and bank
Link your Paybill, Till, and bank account so customer payments come into the wallet.
- 03
Set who approves payments
Choose your approval route and limits, then top up and start paying.
Frequently asked questions
What is the Bizflow Wallet?
A business wallet inside Bizflow. Customer payments come in by M-PESA and bank, and you pay suppliers, staff, refunds, and bills from it, with approvals and a full statement.
Who provides the wallet's payment services?
Kasapay Limited, a payment service provider authorised and regulated by the Central Bank of Kenya. Bizflow is a financial technology company, not a bank.
How do customers pay into the wallet?
By M-PESA Paybill, using the invoice number as the account, by M-PESA Till, or by bank transfer. Payments are matched to their invoices.
Who can I pay from the wallet?
Anyone with an M-PESA number, till, or paybill, and any bank account. You can pay one at a time or send many payments in one run.
What is reserved balance?
Money set aside for payments that are approved but not yet sent, such as a supplier run scheduled for Friday. It is released if the payment is cancelled.
Are there fees?
Standard M-PESA and bank transfer charges apply to payments and withdrawals. Every fee shows on your statement.
Can I withdraw to my bank?
Yes. Withdraw from the wallet to your business bank account at any time.
Can I ask Claude about my wallet?
Yes. Connect Bizflow to Claude and ask about your balance, payments, and fees in plain English.
Bizflow is a financial technology company, not a bank. Bizflow Wallet payment services are provided by Kasapay Limited, a payment service provider authorised and regulated by the Central Bank of Kenya.
Collect and pay from one wallet.
Open your Bizflow Wallet, connect your M-PESA and bank, and pay everyone with approvals in place.
