Send an invoice.
Get paid on M-Pesa.
Create branded invoices, collect via M-Pesa STK push or Paystack cards, pay out to suppliers, and reconcile everything automatically - built for Kenyan businesses.
No card required - M-Pesa native, set up in minutes.
Three steps to getting paid
No training, no spreadsheets, no reconciliation marathons at month-end.
- 1
Create & send
Add a customer, build an invoice with line items and due date, then send it. They receive an email with the PDF and a secure pay link.
- 2
Customer pays on M-Pesa
They open the link, enter their M-Pesa number, and approve the STK push. Card payments via Paystack work too.
- 3
You get reconciled
Zana records the payment, updates the invoice status, and emails a receipt - automatically. You watch the balance clear.
From draft invoice to settled balance
Zana Billing covers the whole cycle - create, send, collect, pay out, and reconcile.
Professional invoices
Build branded invoices with line items, due dates, and your logo. Send by email with a PDF attached and a secure pay link inside.
M-Pesa STK push
Customers open the pay link, enter their number, and approve the prompt on their phone. No account, no app, no friction.
Cards via Paystack
Take card and other Paystack payment methods alongside M-Pesa - one link, both options.
Supplier payouts
Pay suppliers, vendors, or staff to mobile money or bank accounts - with approvals and daily limits you control.
Recurring billing
Put repeat customers on a schedule. Zana raises and sends each invoice automatically, on time, every cycle.
Automatic reconciliation
Payments match themselves to invoices through secure webhooks. Balances update the moment money lands - partial payments included.
Instant receipts
Every payment triggers a branded PDF receipt, emailed to your customer the moment it confirms - without you lifting a finger.
Public pay links
Create shareable pay links for one-off or open-amount collections. Customers pay without ever signing in.
Workspaces & roles
Run multiple businesses from one login, each with its own customers, branding, and payment credentials.
Collect money the way Kenya pays
M-Pesa first, cards when you need them, and reconciliation you never have to think about.
Single-use pay pages
Customers pay through a secure link with no sign-up or app required.
M-Pesa STK push
Native M-Pesa checkout - the prompt lands on their phone in seconds.
Cards via Paystack
Take card and other Paystack methods alongside M-Pesa.
Partial payments
Accept payment in instalments - the balance tracks itself to zero.
Idempotent webhooks
Reconciliation is deduplicated and safe to retry - no double-counting.
Automatic receipts
A branded PDF receipt is emailed the instant a payment confirms.
Ready to get paid faster?
Start sending invoices and collecting M-Pesa payments today. Billing is one module in Zana - add Engage for campaigns and Utility for metered billing when you need them.