M-Pesa Paybill, Till & POS reconciliation
Automated payment reconciliation in Pangoni matches every rent payment to the right tenant and invoice automatically — reading M-Pesa Paybill, Till, and POS callbacks alongside bank transfers and cash in one reconciliation ledger, so Kenyan landlords never chase an M-Pesa statement at month-end again.
Most Kenyan rent arrives by M-Pesa — Paybill, Till Number, or a POS device linked to a merchant till. Pangoni reads every C2B callback the moment a tenant pays and matches it to the right invoice automatically, so you never chase an M-Pesa statement at month-end again.
Paybill reconciliation
Tenants pay to your Paybill with their account number. Pangoni reads the account number from the callback and matches the payment to the correct tenant and invoice in seconds.
Till & POS reconciliation
Using a Till Number or an M-Pesa POS for rent? Pangoni ingests till callbacks, prompts the sender for a reference where the till doesn't capture one, and reconciles multiple tills under one ledger.
Bank & cash too
Bank transfers and cash receipts sit in the same reconciliation ledger. One place, one source of truth — regardless of how the tenant paid.
Edge cases handled
Wrong account number, partial payments, duplicates, or a payment sent from a spouse's line — Pangoni flags the mismatch and lets you reconcile in one click instead of chasing across WhatsApp.
New to this? Read our deep dive: M-Pesa rent reconciliation — the complete Kenyan landlord's guide. Or see how online rent collection and automated rent reminders sit alongside reconciliation in the same workflow.
How does Pangoni reconcile payments with zero manual work?
Stop spending hours matching payments to invoices. Our AI-powered reconciliation engine automatically processes transactions, identifies discrepancies, and maintains perfect financial records.
99.8%
Accuracy rate
10hrs
Saved per month
How does Pangoni match payments to the correct invoices?
Advanced algorithms automatically match payments to the correct invoices using multiple data points for maximum accuracy.
AI-Powered Matching
Machine learning algorithms identify payment patterns and automatically match transactions to invoices with high precision.
Real-Time Processing
Payments are reconciled instantly as they're received, keeping your financial records always up-to-date.
Exception Handling
Sophisticated rules engine flags unusual transactions and partial payments for manual review.
Smart Payment Matching
Our system uses multiple data points to match payments including amounts, reference numbers, tenant information, and payment timing to ensure accurate reconciliation.
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Amount and reference matching
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Fuzzy matching for partial payments
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Multi-currency support
Exception Management
When payments can't be automatically matched, our intelligent system flags them for review with detailed suggestions for resolution.
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Automatic exception detection
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Suggested resolution options
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One-click resolution workflow
Audit Trail & Reporting
Complete transparency with detailed audit trails for every transaction. Generate reconciliation reports for accounting and compliance purposes.
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Complete transaction history
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Reconciliation reports
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Export to accounting systems
Transform Your Financial Operations
Automated reconciliation doesn't just save time—it transforms how you manage property finances.
Improved Accuracy
Eliminate human errors with 99.8% automated matching accuracy
Time Savings
Save 10+ hours per month on manual reconciliation tasks
Better Compliance
Complete audit trails meet all accounting and regulatory requirements
Faster Reporting
Real-time reconciliation enables instant financial reporting
How It Works
Our reconciliation process happens automatically in the background, requiring no manual intervention for most transactions.
Payment Received
System detects incoming payment from any source (online, bank transfer, etc.)
Automatic Matching
AI engine analyzes payment details and matches to outstanding invoices
Records Updated
Invoice status updated, tenant account credited, and reports refreshed
Notifications Sent
Both you and tenant receive confirmation of successful payment processing
Frequently asked
Each tenant is assigned a unique account (bill) reference on your Paybill or Till. When a payment lands, Pangoni reads the reference, matches it to the tenant's ledger, and posts the amount against their invoice automatically — no manual matching.
Unmatched or mismatched payments are flagged in an exceptions queue instead of being silently posted. You can reassign the payment to the correct tenant in one click, and partial payments are recorded as part-settlement of the outstanding balance.
M-Pesa Paybill and Till payments reconcile automatically via the Daraja API. Bank and cash payments can be recorded manually or imported from a statement, and they post to the same tenant ledger so your books stay in one place.
Yes. Each M-Pesa transaction carries a unique confirmation code, so the same payment is never posted twice. Duplicates and overpayments surface as credits on the tenant's account.
Reconciliation is near real-time. As soon as Safaricom confirms the transaction, Pangoni receives the callback, matches it, updates the tenant's balance, and sends both you and the tenant a confirmation — usually within seconds.