Product

The full Paysasa toolkit, in one place

Whether you are paying friends, running a shop, or integrating at scale — see every capability Paysasa offers. Module-gated products show a live status; open a card for details.

All Individuals Businesses

Core Features (All Audiences)

All users

Wallet Payments

Send and receive money instantly with secure in-app wallets.

Users and teams can hold balances, top up, and pay in seconds. Every transfer is traceable with transaction references and status history.

Security & Fraud Controls

Built-in protections including PINs, device checks, and event logging.

Sensitive actions can require extra verification while audit trails support compliance and incident investigations.

Mobile + Web Access

Manage payments on web or mobile without losing context.

Users can initiate transactions on one device and continue on another with synced account state.

Chama

Live

Group savings and contribution tracking for chamas.

Coordinate group contributions and visibility for informal savings groups alongside wallet balances.

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Referrals

Live

Grow with referral links and commission tracking.

Invite users or merchants with referral codes, track conversions, and settle commissions per platform rules.

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Deni — Track & Collect IOUs

Live

Record who owes you with public pay links and optional reminders.

Guest debtors by phone or email, M-Pesa checkout without login, balance adjustments, and scheduled SMS/email reminders.

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Escrow Safe Trade

Live

Protect buyers and sellers with milestone or release-based escrow.

Funds stay locked until fulfillment terms are met, reducing disputes on higher-value trades.

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Features for Individuals

Individuals

Peer-to-Peer Transfers

Move money between users with low friction and clear fees.

Ideal for personal use and small merchants who need quick transfers with confirmation notifications.

Lengo — Save Now Buy Later

Live

Save progressively toward a product with deadlines and reminders.

Structured save-now-buy-later journeys: customers pick a duration, merchants run storefronts, and reminders fire before the save-by date.

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Features for Businesses

Businesses

Business Wallet Controls

Live

Operate separate wallets for teams, stores, and projects.

Assign limits, access roles, and transfer rules so finance teams keep control while operations stay fast.

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Checkout Split Payouts

Live

Route each payment across multiple business wallets automatically.

After checkout succeeds, split percentages or fixed amounts to operations, reserve, or partner wallets within the same business.

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Wallet-as-a-Service (WaaS)

Pool funds in one master business wallet while tracking virtual sub-accounts.

Platforms keep end-user balances while Paysasa handles M-Pesa deposits, STK checkout, withdrawals, and webhooks — without a full wallet per end-user.

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Gold & Platinum Trust Badges

Verified merchants can earn badges for immediate settlement and partner benefits.

Gold unlocks immediate checkout settlement for trusted brands. Platinum adds fee discounts, higher limits, and priority support — admin-granted after review.

Developer APIs & Webhooks

Integrate Paysasa into apps, marketplaces, and ERP flows.

Use REST APIs for payments and wallet operations, then react in real time with secure webhook callbacks.

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Business Accounting

Live

Chart of accounts, journals, expenses, budgets, and financial reports.

Enable accounting per business: seed a system COA, post balanced journals, track expenses and vendors, manage budgets, and run trial balance / P&L / balance sheet reports — linked to Paysasa invoices and wallets where relevant.

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Payroll

Live

Run payroll for your team with Kenya-ready flows.

Manage employees, pay runs, and payroll exports from the business dashboard. Module can be enabled platform-wide and per business.

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POS Lite

Live

Lightweight point-of-sale for shops and counters.

Catalog, channels, and checkout flows for in-person selling — tied to your business wallets and Paysasa settlement.

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Subscriptions & Recurring Billing

Live

Plans, customers, and recurring invoices for memberships and SaaS.

Create products and prices, subscribe customers, pause/cancel/resume, and collect via invoice or auto-charge flows.

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Donation Campaigns

Live

Fundraising campaigns with public donate pages and gift receipts.

Launch campaigns with open or tiered amounts, optional donor details, M-Pesa checkout, and CSV campaign reports.

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Rent Collections

Live

Collect rent with portals, reminders, and payment tracking.

Property and tenancy-oriented collection workflows with reminders and dashboard visibility for landlords and managers.

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Loans

Live

Digital loan products with repayment tracking.

Offer and manage loan products where enabled — applications, schedules, and repayments inside the Paysasa / Airsoko dashboard.

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KRA eTIMS

Live

Electronic tax invoice compliance for Kenyan merchants.

Configure eTIMS accounts, submit invoices to KRA paths where enabled, and keep tax invoice workflows close to your sales data.

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Payment Links & Checkout

Live

Create payment links and collect via mobile money, cards, or bank rails.

Generate branded payment links, embed checkout, and track conversion from first click to settled payment — including optional checkout splits.

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Invoices & Payment Requests

Live

Issue invoices and payment requests with reminders.

Line-item invoices, due dates, and paid / partial / overdue tracking — plus simpler payment requests for quick collections.

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Bulk Payments

Live

Send many payouts at once to suppliers, staff, or agents.

Batch payouts to M-Pesa or bank destinations where enabled, monitor each recipient, and retry only failures.

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