FinWize
How FinWize works

M-Pesa business management, simplified.

Record every sale, send invoices with live payment links, collect M-Pesa payments automatically, and never lose track of who owes you — all in one place, built for Kenyan businesses.

The core loop

Three steps from sale to settlement

Everything else in FinWize supports and extends this loop.

01

Record a sale or create an invoice

Enter the customer name, amount, and payment method — or upload a receipt image. For invoices, add line items, a due date, and a discount.

02

Send the payment link

One tap sends an SMS with a public payment link. The customer opens it on any phone — no app, no login required.

03

Customer pays via M-Pesa

An STK push arrives on their phone. They enter their PIN. You see the payment instantly. The invoice is marked paid automatically.

Module reference

Every section, explained

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Sales

Record every transaction — cash, M-Pesa manual, or STK push — and auto-build the customer ledger.

The core of the app. Every sale you record updates the customer ledger, tracks revenue, and can trigger an M-Pesa STK push so the customer pays instantly on their phone. Cash and manual entries are just as fast.

  • Manual entry — amount, description, customer name + phone
  • Receipt upload — photograph a paper receipt (JPG, PNG, HEIC, PDF)
  • STK Push — push an M-Pesa payment prompt directly to the customer's phone

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Invoices & Payment Links

Send a formal invoice with a live payment link. The customer pays via M-Pesa — the invoice settles automatically.

Create itemized or image invoices, share a public payment link via SMS, and watch the status update in real-time as the customer pays. No login required for the customer to pay.

  • Itemized invoice — line items with quantity × unit price, subtotal, and discount
  • Image invoice — upload a handwritten or pre-printed invoice for legacy workflows
  • Public payment link — no login required to pay

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M-Pesa STK Push

Both Paybill and Till Number. Customer pays with their PIN — nothing else.

Configure your M-Pesa account once in Settings. Every sale, invoice payment, and plan upgrade then uses the same STK push flow — the customer sees a prompt on their phone, enters their PIN, and you see the confirmation instantly.

  • Paybill (CustomerPayBillOnline) and Till / Buy Goods (CustomerBuyGoodsOnline) — both fully supported
  • M-Pesa callback verified server-side — no manual confirmation ever needed
  • Payment status polled in real-time from the sale or invoice detail page

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Customer Retention & SMS

Every sale builds a ledger. Every ledger enables outreach.

The customer list is built automatically from your sales — no manual entry. From the Messaging Hub you can build discount offers, send frequency-filtered bulk campaigns, invite customers to subscribe via SMS link, and track all message history in one searchable log.

  • Customer record auto-created from first sale or invoice — no manual data entry
  • Total spend, transaction count, last seen date, and outstanding balance tracked per customer
  • Messaging Hub — logs, offers, and bulk send in one tabbed view

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"Owes You" — Debt Collection

See who owes you, ranked by amount. Send a payment link in one tap.

A filtered view of your customer list showing only customers with an outstanding balance, ranked from highest to lowest. One tap sends a payment link via SMS — no extra setup, same STK push flow.

  • "Owes me" filter on Customers list — shows only customers with outstanding balance > 0
  • Sorted by outstanding balance descending — highest debt first
  • Inline "Send payment link" button on every owing customer card

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Reporting & Metrics

Your business in numbers — today, this week, this month, or all time.

An at-a-glance dashboard showing sales trends, revenue by payment method, top customers, and your team's performance. Everything is filterable by date range and payment type — drill into a customer row to see their full history.

  • Sales trend chart — time-bucketed by hour, day, week, or month depending on the selected filter
  • Revenue breakdown by payment method: Cash, Manual, and M-Pesa STK
  • Active invoice count — unpaid + overdue

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Settings & Management

Configure M-Pesa, SMS, business info, team members, and billing — all in one place.

The management hub. Set up your M-Pesa config to start accepting STK push payments, configure Africa's Talking for SMS, invite team members and assign granular permissions, and manage your subscription plan.

  • M-Pesa config — add Paybill or Till Number; set one active at a time; all configs saved for quick switching
  • Business info — update name, phone number, and reply-to email address for invoice emails
  • SMS config — Africa's Talking API key, username, and Sender ID

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Subscription plans

Start free, grow as you scale

All plans include M-Pesa STK Push, invoicing, and the customer ledger. Upgrade for more SMS, team members, and advanced features.

Enterprise

KES 3,500/mo

3-day free trial

  • Up to 10 team members
  • 400 invoice links / month
  • 500 SMS / month (custom sender ID)
  • Website & WhatsApp link in SMS templates
  • M-Pesa STK Push (Paybill + Till)
  • Sales recording & dashboard
  • Customer retention & ledger
Start Free Trial

Growth

KES 2,000/mo

3-day free trial

  • Up to 5 team members
  • 200 invoice links / month
  • 300 SMS / month (FinWize sender ID)
  • Website & WhatsApp link in SMS templates
  • M-Pesa STK Push (Paybill + Till)
  • Sales recording & dashboard
  • Customer retention & ledger
Start Free Trial

Starter

KES 1,000/mo

3-day free trial

  • Owner + 1 additional team member
  • 50 invoice links / month
  • 100 SMS / month (FinWize sender ID)
  • M-Pesa STK Push (Paybill + Till)
  • Sales recording & dashboard
  • Customer retention & ledger
Start Free Trial

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