Many of your customers pay by phone. SmartBiashara records each M-Pesa, Tigo Pesa and Airtel Money payment against the sale it belongs to, then reconciles the totals so your mobile money sits in the same books as your cash. Closing the day stops being a hunt through SMS messages.
Included on every plan, from TSh 15,000 a month. See pricing
This month
Accounts
Revenue
TSh 41.7M
Expenses
TSh 12.9M
Net profit
TSh 9.8M
| Account | Type | Debit | Credit | Balance |
|---|---|---|---|---|
| M-Pesa till | Mobile money | 18,420,000 | 2,100,000 | 16,320,000 |
| Cash in hand | Cash | 6,850,000 | 5,900,000 | 950,000 |
| Bank current account | Bank | 12,000,000 | 7,400,000 | 4,600,000 |
| Sales revenue | Income | — | 41,700,000 | 41,700,000 |
| Rent | Expense | 2,500,000 | — | 2,500,000 |
The day-to-day problems this module is designed to remove.
A busy duka can receive dozens of mobile money payments in a day across three networks. Adding them up from the phone inbox is slow, and one missed message throws the whole day off.
When the only proof is a customer showing an SMS on their own phone, a cashier under pressure can accept a message that never matches a real deposit. You discover the gap days later.
Cash goes in the drawer and the cash book, while wallet balances live on a separate phone. Your profit figure is only as good as the effort someone made to combine the two.
When two or three shops share one wallet, a deposit at 4pm could belong to any of them. Branch managers cannot be held to a number nobody can split.
Your accountant receives wallet statements and a sales book and has to match them line by line. The bill for that work, and the delay, land on you.
When the customer pays, the cashier selects M-Pesa, Tigo Pesa, Airtel Money or cash on the checkout screen. The sale is saved with that payment method attached. Nobody has to remember later whether the 12,000 shillings for a bag of rice came in by hand or by phone.
SmartBiashara reconciles mobile money received against the sales that were recorded, so totals per network can be checked against your wallet statements. Differences show up as a gap between two numbers instead of a feeling that something is wrong. Cashiers know their mobile money takings are checked the same way as their cash.
Mobile money receipts go into the accounting module next to cash and bank, so your ledgers show money from all sources. Your profit and loss reflects what really came in. Accounting is included from the Starter plan.
Every sale belongs to a location, so the mobile money it brought in belongs to that location too. An owner with a shop in Arusha town and another near the bus stand can see what each one took by phone. Basic covers up to 3 branches and Standard up to 5.
Daily and monthly payment reports export to Excel, PDF or CSV, or can be shared straight to WhatsApp. Send the day's summary to a partner or your accountant without retyping figures. Your accountant gets the breakdown by payment method in a format they can work with.
An example: a customer at a hardware shop buys two bags of cement and a box of nails, and pays by Airtel Money.
The cashier scans or selects the cement and nails. The total appears on the screen.
The customer pays, and the cashier marks the payment as Airtel Money before completing the sale.
The customer gets a receipt, and stock for both items drops at that branch.
In the evening the manager compares mobile money totals for each network with what the system recorded. Any difference is visible by cashier and by sale.
The payment is already in the accounting records, so month end needs no separate data entry for wallet income.
This month
Accounts
Revenue
TSh 41.7M
Expenses
TSh 12.9M
Net profit
TSh 9.8M
| Account | Type | Debit | Credit | Balance |
|---|---|---|---|---|
| M-Pesa till | Mobile money | 18,420,000 | 2,100,000 | 16,320,000 |
| Cash in hand | Cash | 6,850,000 | 5,900,000 | 950,000 |
| Bank current account | Bank | 12,000,000 | 7,400,000 | 4,600,000 |
| Sales revenue | Income | — | 41,700,000 | 41,700,000 |
| Rent | Expense | 2,500,000 | — | 2,500,000 |
Illustrative figures: a day's takings split into cash, M-Pesa, Tigo Pesa and Airtel Money, ready to reconcile.
Totals per network are already worked out from the sales, so checking them takes minutes.
Each mobile money sale is recorded with the cashier's name, so questions about a missing payment have a clear starting point.
When cash and phone payments land in the same books, the profit figure you see reflects what the business actually earned.
Exports already separate payment methods, so the accountant spends less time matching statements and more time on advice.
“M-Pesa, Tigo Pesa and Airtel all come in automatically. No more end-of-day counting. The reports make my accountant happy and my tax filings take an hour, not a week.”
Still have a question? Ask our team on WhatsApp, phone or email.
SmartBiashara supports M-Pesa, Tigo Pesa and Airtel Money at the point of sale. Each payment is recorded with its network so you can reconcile totals per wallet. A sale paid by card or bank transfer can be marked that way as well.
Mobile money at the POS is part of every plan, starting with Starter at TSh 15,000 a month. Higher plans add more branches and users, which matters if several shops take mobile money. All plans begin with a 14-day free trial.
Our team helps you set it up during your free trial. Tell us which networks you use and how your shops receive payments, and we will configure the payment methods and walk your cashiers through checkout. Reach us on WhatsApp or phone at +255 749 900 050.
Yes. Every sale is linked to a location, so mobile money totals can be viewed per branch as well as for the whole business. Basic allows 3 locations, Standard 5, Enterprise 50 and Enterprise Pro is unlimited.
It makes them much easier to catch. Because each sale records a mobile money payment, the day's recorded total can be compared with your actual wallet statement, and a sale that was never paid shows up as a gap. Good practice is to reconcile every day so a problem is found while the cashier still remembers the sale.
Yes. Mobile money payments recorded at the POS feed the accounting module, which keeps ledgers for cash, bank and mobile money together. Your sales and profit reports therefore include phone payments without separate entry.
Start the 14-day free trial, record a few M-Pesa, Tigo Pesa and Airtel Money sales, and compare the totals with your wallets tonight. No credit card is required.
