M-Pesa in B2B:
stop reconciling payments from SMS.
Put your paybill, till and bank details on every invoice, let buyers report the M-Pesa or bank reference against that invoice, check each reference once, and let reminders pause by themselves when a buyer names a date. Reconciliation then becomes a short queue to confirm instead of an evening with a phone full of SMS.
Why B2B payments are harder to match
Retail is one sale, one payment. Trade is messier: a director pays three invoices from a personal line, a site manager pays half now and half on delivery, a cheque or RTGS arrives with a reference nobody recognises. A 2026 look at daily M-Pesa reconciliation in Nairobi found manual matching eats 3 to 6 hours a week and still leaves 2 to 4% of transactions unmatched every month.
A routine that keeps receivables clean
- Payment details on every invoice: paybill and account number, till, or bank, so buyers pay the right place the first time.
- The reference travels with the invoice. Ask buyers to report the M-Pesa code or bank reference against the invoice they are paying, on the web or by replying on WhatsApp.
- Each receipt counts once. A reference already reported is recognised, so the same payment is never applied twice.
- Accounts confirms, with the amount. Your team accepts each claim for the amount actually received; partial payments stay partial.
- Reminders that listen. When a buyer replies “we'll pay on Friday”, reminders for that invoice pause until then instead of nagging someone who has already answered.
How Sokisoko handles it
- Invoices carry your paybill, till or bank details; buyers pay into your own accounts, as they do today.
- A buyer reports a payment on the storefront, or replies on WhatsApp with the M-Pesa code, and it is filed as a claim against the invoice they were reminded about.
- A reference that was already reported is recognised; your team accepts each claim with the amount received.
- Payment reminders go out by email, SMS and WhatsApp, and pause on a promised date.
- Receivables ageing shows what is still open, by customer.
Source: Daily payment reconciliation for M-Pesa and Airtel: automating the match in Nairobi (2026)
Questions people ask about this
Does Sokisoko take M-Pesa payments directly?
Buyers pay into your own paybill, till or bank account, as they already do, and report the reference against the invoice. There is no extra payment provider in between.
Can a buyer report a payment on WhatsApp?
Yes. A reply that carries an M-Pesa code, or says a cheque or transfer was made, is filed as a payment claim on the invoice they were reminded about, for your team to confirm.
Do reminders stop when a buyer promises to pay?
Yes. A reply naming a day, such as “we'll pay on Friday”, pauses reminders for that invoice until then.
See it on your catalogue,
in your currency.
A working session on your own products and prices, not a slide deck.