Built for Kenyan SMEs

Collect faster without becoming a payments aggregator.

Malipo automates polite dunning, reconciles M-Pesa C2B statements, and explains every match. Funds go straight to your own Paybill or Till — Malipo never holds, pools, or moves customer money.

Open demo dashboard See pricing

How it works

  1. Import debtors and issue one-off, monthly, or termly invoices.
  2. Receive C2B callbacks or paste a statement CSV.
  3. AI-assisted matching applies safe payments and queues low-confidence items.
  4. Draft WhatsApp/SMS/email reminders with human approval when required.

Made for schools, landlords, SACCOs, gyms, ISPs and B2B suppliers

Unique account numbers

Each debtor gets a stable Paybill account reference for clean reconciliation.

Human-safe AI

LLM fuzzy matches only auto-apply above your threshold; others wait in review.

Kenya-first dunning

Polite reminders, opt-out respect, Kenya DPA awareness, and STK pay-now links.

Pricing

Msingi

KES 1,500/mo$12/mo · 200 invoices/month

Biashara

KES 3,500/mo$27/mo · 1,000 invoices/month · WhatsApp dunning · STK requests to your own till/paybill

Pro

KES 7,500/mo$58/mo · 5,000 invoices/month · multiple paybills · API · aging exports

Concierge onboarding: KES 5,000 once. Riziki add-on SKU available.

Compliance and trust

Malipo is software for reconciliation and communication. Money flows from payer to the merchant's own Safaricom Paybill/Till. Malipo does not custody funds, initiate settlement, or operate as a payment aggregator.

FAQ

Can I approve messages?

Yes. Tenants can require approval before reminders are sent.

Can I use statements instead of webhooks?

Yes. Paste or upload CSV from M-Pesa statements and reconcile in bulk.