Cloud AI Payment & Credit Management Software

Q: Which payment modes does it capture in Kenya?

M-Pesa Till, PesaLink, bank transfer, and cheque. The rep picks the mode, enters the M-Pesa code or PesaLink reference, and posts the KES amount against the outlet's pending invoices.

Q: How does credit gating work for a duka?

Each duka carries a KES limit in the Customers master. On breach the configured rule fires: stop all orders, allow only the first order, or route through approval. Exceptions escalate through Workflow Automation, up to 7 levels.

Q: Can it post to KRA eTIMS?

Yes. Invoices, receipts, and credit notes are structured for KRA eTIMS posting. Finance pulls the export, validates VAT and tax lines, and pushes them into the eTIMS workflow without re-keying.

Q: How are partial M-Pesa payments handled?

Partial receipts split across invoices. The rep auto-allocates or maps the M-Pesa amount line by line. Unallocated cash sits in a separate tray until finance applies adjustments or moves it to the next pending invoice.

Q: Where do credit notes come from?

From the Returns module: secondary returns, primary returns, and damage claims raised by supermarket chains or stockists. Each note links to the original KES invoice and adjusts outstanding, with status and source captured.

Q: What reconciles against bank statements?

CBK-cleared cheques, PesaLink credits, and bank transfers reconcile against posted receipts. The Order-to-Cash and Overdue Ageing reports surface gaps; the Credit Override audit log shows every manual adjustment.

Q: What shows on the Invoices dashboard?

Cards for Total Invoices, Outstanding, Collected, and Overdue in KES, plus a table of Invoice, Customer, Order, Date, Status, Payment, Amount, Outstanding. View Full Detail opens Print, Download PDF, or Cancel Invoice.

Q: Can reps settle invoices at the outlet?

Yes. The Android and iOS app captures M-Pesa Till code, PesaLink reference, or cheque number, then auto or manually allocates against pending invoices. Over-limit alerts show, and the AI assistant fetches outstanding on demand.

Why Choose Cloud AI Payment & Credit Management Software in Kenya?

Built for Kenyan distribution: M-Pesa Till, PesaLink, cheque and bank receipts posted in KES across duka, supermarket chain, and sub-distributor channels.

KES Outstanding Dashboard: Surfaces Total Credit Limit, Utilised Credit, Total Overdue, DSO, and On-Hold dukas at a glance.

Per-Duka Credit Gating: Sets a KES limit per outlet. Block, allow first order, or route through approval when exposure breaches.

M-Pesa & PesaLink Receipt Entry: Posts payments with mode, M-Pesa code or PesaLink reference, then maps to invoices auto or manually.

Mombasa-Port Consignment View: Tracks port consignment invoices, partial settlements, and ageing buckets so dispatch teams know when to release stock.

Credit Notes from Returns & Claims: Routes damaged or short-shipped stock from supermarket chains back as credit notes, tied to the original invoice.

Order-to-Cash & Overdue Ageing: Buckets receivables into 0-30, 31-60, 61-90, 90+ days for collection follow-up across Nairobi and upcountry.

KRA eTIMS-Ready Postings: Structures invoices, receipts, and credit notes so finance can post them into the KRA eTIMS workflow without re-keying.

Portal & App on One Backend: Field reps capture receipts in the duka; finance admins reconcile and approve from the Nairobi office.