M-Pesa Integration for Saccos

Collect and disburse over M-Pesa — C2B, B2C and STK Push — with automatic reconciliation against member accounts and the ledger.

How does M-Pesa integration work for Saccos?

M-Pesa integration lets a Sacco collect member payments (C2B paybill/till and STK Push) and disburse loans or refunds (B2C) directly through Safaricom, then match every transaction to the right member and post it to the ledger automatically. SaccoWorks reconciles M-Pesa statements in real time and handles reversals.

What's included

C2B collection (Paybill / Till)
B2C disbursement
STK Push for instant payments
Automatic reconciliation
Statement matching to member records
Reversal management
Real-time posting to the ledger

Instant collections

Members pay by paybill, till or STK Push and are credited immediately.

Auto-reconciliation

M-Pesa transactions match to members and post to the GL with no manual matching.

Fast disbursement

Send approved loans and refunds straight to members' phones via B2C.

Ready to see it on your Sacco?

Book a free demo and we'll show you m-pesa integration for saccos with your own workflows.

Book a Free Demo