Your M-Pesa and bank statements, reconciled for you
Pangoni matches each credit to the right tenant, unit and invoice, resolves the hard exceptions, and returns a clean reconciliation pack for approval.
KSh 4,500
Up to 250 current-period transactions. Prices exclude VAT.
Request a scoped quoteUse managed reconciliation when the queue should not be your job
It works as a one-off clean-up, an onboarding service, or a recurring batch for a finance team that wants an approval-ready result.
Statement-only accounts
Reconcile uploaded M-Pesa or bank statements without waiting for a connected feed.
Historical clean-up
Start Pangoni with an accurate ledger instead of carrying old ambiguity forward.
Busy finance teams
Hand off the batch when month-end volume exceeds the team's available time.
Messy payment history
Resolve third-party payers, weak references, split payments and unclear bank narrations.
Nothing posts before you approve it
The scope, quote, exceptions and final posting each have a clear checkpoint.
See how Pangoni matches payments →- Send complete statementsProvide M-Pesa, bank, or both for the agreed period.
- Approve scope and priceWe confirm the period, transaction count, properties and turnaround before work begins.
- Pangoni reconciles the batchThe matching engine scores the credits; our team resolves the reviewable exceptions.
- Review the reconciliation packYou receive allocated ledgers, a summary, an exceptions list and focused questions.
- Approve postingOnly signed-off results move into the live ledgers.
Pay for the transaction volume, not the portfolio size
The minimum current-period batch charge is KSh 4,500. All rates exclude VAT.
| Transactions per batch | Rate | Example |
|---|---|---|
| Up to 250 | KSh 4,500 flat | KSh 4,500 |
| 251–1,000 | KSh 15 / transaction | 1,000 → KSh 15,000 |
| 1,001–5,000 | KSh 11 / transaction | 5,000 → KSh 55,000 |
| More than 5,000 | From KSh 8 / transaction | Custom quote |
| Historical backlog | KSh 22 / transaction | Quoted after scope verification |
5 business days
From approved quote. Included in the batch rate.
2 business days
A 40% surcharge applies.
Same or next day
Subject to capacity, with a 75% surcharge.
A reconciliation pack you can review, explain and approve
The roster must match the period.
We need complete statements, tenancy move-in and move-out dates, historical rent schedules, and a named contact for exceptions.
Reconstructing a missing historical tenancy roster is scoped separately. It is not included in the reconciliation rate or onboarding credit.
Clean up history when you move onto Pangoni
Credits are one-time onboarding allowances, not recurring monthly bookkeeping credits.
500 transactions
Valid for 90 days after activation.
Standard work after the credit receives a 15% plan discount.
10 per unit
Maximum 5,000 transactions, valid for 90 days.
Standard work after the credit receives a 25% plan discount.
Credits cover up to 24 months of history. Priority surcharges are billed separately.
Managed reconciliation FAQ
For the matching engine, confidence bands and queue actions, read the technical guide.
Managed payment reconciliation is a done-for-you service. You send Pangoni your M-Pesa or bank statements, Pangoni matches credits to tenants and invoices, resolves reviewable exceptions, and returns a reconciliation pack for your approval before posting.
Current-period batches cost KSh 4,500 for up to 250 transactions; KSh 15 per transaction for 251 to 1,000; KSh 11 per transaction for 1,001 to 5,000; and from KSh 8 per transaction for more than 5,000 by custom quote. Historical backlog work is KSh 22 per transaction. Prices exclude VAT.
Standard turnaround is five business days from quote approval. Priority turnaround is two business days with a 40% surcharge. Same-day or next-day work is subject to capacity and carries a 75% surcharge.
You can send official M-Pesa statements and supported bank statements for an agreed, complete period. Pangoni confirms the file format, period, properties and transaction count during scoping.
No. Pangoni returns a reconciliation pack and exceptions list for approval. Results are posted to live ledgers only after sign-off.
Growth includes a 500-transaction onboarding credit. Enterprise includes 10 backlog transactions per contracted unit, capped at 5,000. Both are valid for 90 days and cover up to 24 months of history.
Tell us the statement period and transaction count.
We will confirm scope, turnaround and price before any reconciliation work begins.
Request a managed reconciliation quote