Pangoni is property management software for churches, SACCOs, welfare groups, and trusts in Kenya that own rental property — it brings M-Pesa collections, tenant records, and committee-ready reports into one transparent place, so officials can account to members, trustees, and auditors with confidence. Tenants pay to your institution's own M-Pesa Paybill or Till, and Pangoni tracks, matches, and reconciles every payment. Pangoni never holds your funds.
Why is rental property hard for churches and SACCOs to manage?
Many institutions in Kenya hold rental property as an investment for their members — a row of commercial shops, a residential block, or a mixed estate built over years of member contributions. The rental income is meant to fund projects, welfare, or dividends. But the way that income is collected and recorded is often where trust starts to break down.
In most cases, a treasurer or caretaker tracks rent manually. They scroll through M-Pesa messages on a personal phone, jot figures into a notebook or a spreadsheet, and report a total to the committee at the next meeting. There is rarely a clear, independent record of who paid, how much, and when. When a member asks a pointed question at the AGM, the honest answer is often "I will check and get back to you."
The bigger risk comes with turnover. Officials in churches and SACCOs change — treasurers rotate, committees are re-elected, caretakers move on. When the records live in one person's phone, notebook, or laptop, they often leave with that person. The new treasurer inherits gaps, half-remembered arrangements, and no reliable history of arrears. Continuity, the very thing an institution is supposed to provide, quietly disappears.
Transparency suffers too. Members contribute to a common pool and have every right to see that rental income is collected in full and used properly. Without a system, there is no easy way to show them. Rental money can get mixed with contributions, welfare funds, or project accounts, making it almost impossible to see how the property itself is actually performing. And when an audit or AGM approaches, the treasurer faces days of reconstructing records from scratch — matching M-Pesa statements to a tenant list that may not even be complete.
None of this means anyone is acting dishonestly. It simply means that manual, one-person record-keeping is the wrong tool for money that belongs to a whole community. Institutions need a system that is transparent by default, survives changes in leadership, and produces clean records on demand.
How does Pangoni bring transparency and accountability?
Pangoni was built for the Kenyan rental market, and it fits the way institutions actually operate. Tenants keep paying the way they always have — to your own M-Pesa Paybill or Till — but instead of a single official quietly tracking those payments, the whole committee gets a shared, transparent record. Pangoni does not collect or hold rent on your behalf; the money lands in your institution's own account, and Pangoni tracks, matches, and reconciles it.
Here is what changes when your church or SACCO moves from manual record-keeping to Pangoni:
- Automated M-Pesa reconciliation to your own Paybill: Tenants pay to the institution's existing Paybill or Till, and Pangoni automatically matches each payment to the right tenant and unit. No more scrolling through one person's phone — the record is shared, accurate, and updated in real time.
- Role-based access for treasurers, caretakers, and committee: Each official gets their own login with permissions that fit their role. The treasurer can post and reconcile, a caretaker can update tenants, and committee members can view reports — so there is no single point of failure when officials change.
- Transparent, exportable financial reports: Income, arrears, and occupancy are visible to those who need them and exportable for AGMs, board meetings, and external auditors. Members can be shown exactly how the property is performing.
- eTIMS-ready invoicing and receipts: Every charge can be invoiced and every payment receipted automatically, with KRA eTIMS compliance built in — so your institution's records meet the standard auditors and regulators expect.
- Arrears dashboard: See at a glance which tenants are behind and by how much, so the committee can act on arrears early instead of discovering them at year-end.
- Bulk SMS to tenants: Send rent reminders, notices, and confirmations to all tenants at once, keeping communication consistent and on the record rather than scattered across personal WhatsApp threads.
The result is an institution that can account for every shilling of rental income, survives changes in leadership without losing its history, and walks into every AGM and audit with records already in order. Explore the full feature set to see how it fits together.
What You Get
Pangoni's platform gives your church, SACCO, or trust everything it needs to manage rental property transparently and professionally:
- M-Pesa Rent Collection — Tenants pay to your institution's own Paybill or Till, and Pangoni matches, receipts, and reconciles each payment automatically. Your funds never pass through Pangoni.
- Tenant Management — Keep complete records of every tenant, lease, and unit across your property, with full payment history that stays with the institution — not with whoever happens to be treasurer.
- Financial Reports — Generate income, arrears, and occupancy reports on demand and export them to Excel, PDF, or CSV for AGMs, committee meetings, and auditors.
- Invoices and Receipts — Issue eTIMS-ready invoices and automatic receipts for rent, service charges, and utilities, giving both the institution and its tenants a clean paper trail.
Because every feature works as one system, a payment to your Paybill is matched to the tenant, receipted, reflected in the reports, and visible to authorised committee members — all automatically, and all on the institution's own record.
Pricing for Churches & SACCOs
Institutions usually manage more than a handful of units, so most churches and SACCOs start on Landlord Elite at KSh 3,500/month, which covers up to 100 units and adds automated M-Pesa reconciliation, analytics, and accounting integrations — ideal for committees that need clean, consolidated reporting. See the full landlord pricing breakdown to compare plans.
If your institution holds a larger portfolio, or you work with an external property manager to run the estate, the Agency plans are built for managing multiple properties and owners at scale. Every paid plan comes with a 45-day free trial, and prices are exclusive of 16% VAT.
To make the switch effortless, Pangoni offers free concierge setup: the team imports your first 200 tenants free of charge and gets your institution live within one business day — so the committee sees results almost immediately.
Getting Started in 3 Steps
Setting up Pangoni for your church or SACCO is straightforward, and the team can do most of the heavy lifting for you. Here is the process:
- Create your institution's account — Sign up for a free trial at hub.pangoni.com. No credit card required. You get access to every feature immediately.
- Add your property, tenants, and officials — Enter your units and tenants, then invite your treasurer, caretaker, and committee members with role-based logins. With free concierge setup, the team imports your first 200 tenants for you and has you live within one business day.
- Link your Paybill and start reconciling — Connect your institution's existing M-Pesa Paybill or Till. Tenants keep paying exactly as they do now, but every payment is automatically matched, receipted, and reported — on a record the whole committee can see.
Most institutions are fully set up and reconciling rent within a single business day. If you need help at any step, Pangoni's support team is available via email, live chat, and phone.
For a wider view of how the right tools transform rental operations in Kenya, read our complete guide to property management software in Kenya, and to understand M-Pesa collections in detail, see our M-Pesa rent collection guide.
Frequently Asked Questions
Yes. Role-based access lets treasurers, caretakers, and committee members each get their own login with permissions that fit their role. The treasurer can reconcile, a caretaker can update tenants, and committee members can view reports — so there is no single point of failure when officials change.
Yes. Whether it is a few commercial shops, residential units, or a mixed estate, Pangoni tracks tenants, leases, M-Pesa payments, and arrears in one place with transparent records the whole committee can rely on.
Yes. Generate income, arrears, and occupancy reports on demand and export them for AGMs, board meetings, or external auditors. Records stay clean and audit-ready, so preparing for an AGM no longer means days of reconstructing figures.
Yes. Tenants pay to the institution's own M-Pesa Paybill or Till and Pangoni automatically matches each payment to the right tenant and unit. Pangoni does not hold your funds — the money goes straight to your institution's account, and Pangoni tracks, matches, and reconciles it.
Related Resources
- The Complete Guide to Property Management Software in Kenya
- How to Collect Rent via M-Pesa
- Property Management Software vs Spreadsheets
Ready to give your members the transparency they deserve? Stop relying on one person's phone and notebook. Pangoni gives your church or SACCO clean, shared records and audit-ready reports — while your rental income stays in your own account.
Have questions or need help getting started? Contact our team, or browse available rental listings on Pangoni Marketplace.