Manage business money

All your business money, in one wallet.

Name: Bizflow
Price: 5000 KES
Author: Bizflow

Collect by M-PESA, bank, or payment link, pay suppliers and staff from one wallet, keep approved payments reserved, and match every shilling to its record.

Book a demo See how it works

Paybill · INV-2041 paidKES 84,000 · matched to the invoice
Reserved for approved paymentsKES 362,500 · out on Thursday
Available to spendKES 1.31M · after reserved

Trusted by growing businesses across Kenya

businesses: 50+; businesses
in transactions: KES 150M+; in transactions

Sound familiar?

Where business money gets hard to follow.

Money comes in through a paybill, a till, and the bank, and goes out by M-PESA, cheque, and cash. Nobody sees it all in one place. Bizflow does.

“We can't see what has come in today.”
Money in, as it landsPaybill, till, and bank payments come into the wallet and are matched to their invoices.
“The balance looks fine, then the payments go out.”
Approved payments reservedMoney for approved payments is held until it goes out, so what you see as available really is.
“Paying people means many logins and many slips.”
Pay anyone from one placeSuppliers, staff, and casual workers paid to M-PESA, till, paybill, or bank, with a receipt for each.
“Customers ask how to pay us.”
Payment links on every invoiceSend a link with the invoice, and the payment is matched when it lands.
“Reconciling takes days at month end.”
Matched as it happensWallet payments match themselves, and bank statements are matched with rules for lines that repeat.

How Bizflow manages money

Collect, hold, pay, match.

Money in, money held, money out, and every shilling matched.

Collect and match

Customers pay by M-PESA paybill, till, bank, or a payment link. Each payment is matched to its invoice, and anything that doesn't match is flagged.

Paybill, till, and bank
Payment links on invoices
Matched to the invoice

See the Wallet

Acme Group Ltd ▾Ask Bizflow AI: “Which customer payments haven’t matched an invoice?”FN

Wallet / Collect

Money coming in

Top upPayWithdraw

M-PESA Paybill

5XXXX7 · invoice number

Customers use the invoice number as the account.

M-PESA Till

8XXXX2

For counter and walk-in payments.

Bank transfer

Account ••4471

Matched by amount and reference.

TimeFromReferenceAmountMatched to

10:42Bright Homes Ltd.INV-2048+ 825,000INV-2048 · paid in full

09:30Kilimani ClinicINV-2047+ 64,380INV-2047 · paid in full

09:18Nyali BuildersINV-2046+ 100,000INV-2046 · part paid

08:57Cafe MawinguTill+ 7,250INV-2043 · paid in full

Yesterday07XX XXX 330ACME+ 18,560Check · no invoice number

YesterdayUpperhill DentalINV-2044+ 96,400INV-2044 · paid in full

YesterdayBluewave InternetINV-2042+ 45,000INV-2042 · paid in full

5 OctWestgate ApartmentsINV-2039+ 31,800INV-2039 · paid in full

Hold money for what is approved

Approved payments reserve their money until they go out, so the balance you see is the balance you can spend.

Available and reserved, side by side
Released when the payment goes
No surprises on payment day

See the Wallet

Acme Group Ltd ▾Ask Bizflow AI: “What is the reserved money set aside for?”FN

Wallet / Reserved

Reserved balance

Top upPayWithdraw

Where your money is

Available · KES 2,073,950Reserved · KES 412,300

Reserved forApproved byGoes outAmount

Supplier run BP-0067, 7 billsF. Njeri, M. DlaminiFri 10 Oct412,300

Total reserved412,300

Earlier this weekReserved onResultAmount

Expense refunds BP-00663 OctSent 6 Oct64,330

Supplier run BP-00652 OctSent 4 Oct312,000

Generator hire, PO-33992 OctReleased · cancelled38,000

Casual wages BP-00641 OctSent 3 Oct86,400

Reserved money can't be spent twice. It is released if a payment is cancelled.

Pay out to M-PESA

Petty cash, casual wages, refunds, commissions, utilities, and airtime go straight to phones, tills, and paybills, after approval.

Phones, tills, and paybills
Approval above your limit
Receipt for every payment

See petty cash

Acme Group Ltd ▾Ask Bizflow AI: “How much did we pay to M-PESA this month?”FN

Wallet / Pay out

Payouts this month

Top upPayWithdraw

Paid out this monthKES 1.94M386 payments

To M-PESA phones312Staff and casual workers

To tills and paybills58Shops and utilities

To bank accounts16Larger suppliers

TypePaid toPhone or accountAmountStatus

Petty cashB. OtienoM-PESA 07XX XXX 4826,500Paid · SJ4XXXXK2

Casual wages6 site workersM-PESA, 6 phones14,400Paid

RefundA. NdutaM-PESA 07XX XXX 91529,700Paid

CommissionJ. AchiengM-PESA 07XX XXX 64116,480Scheduled 31 Oct

UtilityElectricity tokensM-PESA Paybill 888XXX5,000Paid

AirtimeField team, 9M-PESA airtime4,500Paid

Petty cashClean Pro SuppliesM-PESA Till 5XXXX14,850Paid

RefundD. KariukiM-PESA 07XX XXX 20811,630Scheduled 31 Oct

SupplierFibre Supplies EABank ••0932186,500Reserved

Reconcile every account

The wallet, bank accounts, M-PESA, petty cash, and shop tills in one view, with what agrees and what needs a look.

Wallet matched as it goes
Bank statements matched
Differences to review

See reconciliation

Acme Group Ltd ▾Ask Bizflow AI: “Which accounts don't agree with their statements?”FN

Accounting / Reconciliation

Reconciliation

Upload statementRulesClose October

Accounts6Wallet, bank, paybill, cash

Matched automatically94%Of 1,284 lines this month

To review9 linesKES 17,100

Last month closedSeptemberLocked 5 Oct

AccountStatementIn BizflowDifferenceTo reviewStatus

Bizflow WalletMatched as it happens1,667,7501,667,75000Agrees

Current account ••4410Statement uploaded 17 Oct2,384,6002,371,10013,50066 to review

M-PESA paybillEvery payment, as it lands412,900409,3003,60033 to review

Savings account ••7720Statement uploaded 1 Oct5,200,0005,200,00000Agrees

Petty cash · head officeCounted Fri 17 Oct18,45018,45000Agrees

Shop tills · 3 branches62 shifts this month——20011 shift short

What changes when money is in one place.

Before BizflowWith Bizflow

Checking the paybill, till, and bank one by one

Every payment in one wallet, as it lands

A balance that ignores what is already promised

Available and reserved, side by side

Paying from many logins, with slips to match

Paying anyone from one place, with receipts

Telling customers how to pay

A payment link on every invoice

Reconciling at month end

Matched as it happens

What businesses ask us about most.

Owners see the balance

Know what is available, what is reserved, and what came in today, from anywhere.

✓Available and reserved
✓Today's money in and out
✓Who approved each payment
✓From your phone

See the Wallet

Everyone gets paid on time

Suppliers, staff, and casual workers are paid straight to their bank or M-PESA, one by one or in a run.

✓Supplier payment runs
✓Casual wages to phones
✓Refunds and commissions
✓A statement for your books

See bulk payments

Who it matters to

Business money, in your world.

Every business moves money. These pages show how it works in your industry and for your role.

By industry

By team

Control

Money that moves only by your rules.

Money only moves when the rules say so, and every movement is on record.

Approval before money movesEvery payment follows your approval route.
Reserved balanceApproved payments hold their money.
Who can payOnly the roles you choose can send money.
Audit trailWho requested, approved, and released every payment.

Connects to

QuickBooks Online and Zoho BooksChart of accounts and tax rates come across; expenses, bills, invoices, and payments sync back.
M-PESAPayouts, paybill collections, and payment links, each matched to its record.
KRA eTIMSSales signed, supplier invoices checked, and the VAT summary ready before the 20th.
Your bankStatements uploaded and matched, with rules for the lines that repeat.

Bizflow AI · connects Claude through MCP

Ask Bizflow AI about your money.

Connect Claude to Bizflow and ask about your balance, what came in, and what is going out, in plain English. Answers come from your live Bizflow data.

How Bizflow AI works

Bizflow AI Connected to Claude

How much can we pay out this week?

Claude read from Bizflow · Wallet · Balance

KES 1.31M is available after KES 362,500 reserved for approved payments.

Wallet balanceNowKES 1.67M
Reserved14 approved paymentsKES 362,500
AvailableAfter reservedKES 1.31M

Frequently asked questions

What is the Bizflow Wallet?

A business wallet that comes with your Bizflow workspace. Collect by M-PESA paybill, till, or bank, and pay suppliers, staff, and anyone else to M-PESA or bank, with approvals and a statement.

How do customers pay us?

By M-PESA paybill, till, bank transfer, or a payment link sent with the invoice. Each payment is matched to its invoice.

What does reserved mean?

When a payment is approved, its money is held until it goes out. Your available balance shows only what is not already promised.

Who can send money?

Only the roles you choose, and every payment follows your approval route before it leaves the wallet.

Can we keep our bank account?

Yes. Link your bank and upload statements to match them. Pay from the wallet or the bank, and reconcile both in Bizflow.

Does it work with our accounting system?

Yes. Bizflow syncs expenses, petty cash, bills, invoices, and customer payments to QuickBooks Online or Zoho Books, and brings your chart of accounts, tax rates, suppliers, and customers across. Or keep the whole ledger in Bizflow, with journals, bank reconciliation, trial balance, profit and loss, balance sheet, and cash flow.

The plan for business money.

The Bizflow Wallet comes with Starter, with M-PESA payouts, petty cash, and approvals. Growth adds bills, bulk payments, and payment reconciliation.

Compare all plans

StarterWhere 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

All your business money, in one wallet.

Trusted by growing businesses across Kenya

Where business money gets hard to follow.

Collect, hold, pay, match.

Collect and match

Hold money for what is approved

Pay out to M-PESA

Reconcile every account

What changes when money is in one place.

What businesses ask us about most.

Owners see the balance

Everyone gets paid on time

Business money, in your world.

Money that moves only by your rules.

Ask Bizflow AI about your money.

Frequently asked questions

The plan for business money.

See all your business money in one place.