Everything you bill, collect and chase - on one ledger.

Any business that bills the same customers on a cycle - water utilities and SACCOs, estates, apartments and landlords, managing agents, schools, gyms and clubs, internet providers, waste collection, security and facilities firms, agencies, clinics, and subscription businesses. If you raise the same invoices every month and chase the same people for them, that’s the job Zana is built for.

One system with all of it inside. Invoicing is always on; Utilities, Property, Stays and CRM campaigns switch on when you need them. They are not separate products bolted together - they share the same customers, the same ledger, and the same follow-ups, so a customer’s balance is a single number no matter which part of Zana raised it.

AI assists your team across the suite - drafting invoices and messages, flagging anomalies, and planning collections - while you stay in control. Every suggestion is grounded in your own data and waits for a human to approve before anything is sent or posted.

No. Customers pay through a secure link - there is no sign-up and no app to install. Only your team signs in to Zana.

M-Pesa is the default - the customer opens the pay link and approves the STK push on their phone, with no account or app. Card payments work through the same link. If they’d rather pay into your paybill, till, bank account, or hand over cash, your instructions are printed on the invoice and the payment is reconciled back to it.

Upload the statement and Zana reconciles it. It reads M-Pesa and bank statements as CSV, Excel, or PDF - including scanned ones - pulls out every incoming transaction, and proposes which invoice or utility account each one settles. You confirm or correct the matches, then commit them in one go. Re-uploading an overlapping statement never double-posts a payment.

Yes - it’s part of CRM. Send bulk SMS and WhatsApp campaigns to your contacts and segments, with reusable templates, delivery tracking, and automatic opt-out handling. Turn the module on from your workspace and start sending.

Yes, with the Utilities module - postpaid. Capture meter readings, configure tiered tariffs and standing charges, then run a billing period to generate invoices for all accounts at once. Those invoices collect through the same pay links and reconciliation as everything else. It does not vend prepaid tokens or read meters over the air.

Yes, with the Property module. Set up properties, units and leases, then run the month: rent pro-rates a mid-month move-in, the standing charges come off the lease, and a unit’s submetered water lands on the same invoice instead of a second one. Deposits are held in the ledger rather than banked as income, arrears age per property, and at month end each owner gets a statement - rent actually collected, less commission, maintenance and any withholding - with the net paid out on the same approval-controlled payout rail as a supplier. Zana computes withholding tax and reports it; it does not file returns for you.

Yes. Set your tax rate (16% by default) and it is applied and clearly shown on every invoice and receipt.

Yes. Recurring plans generate and send invoices on a schedule automatically, so repeat billing runs itself.

Yes. Beyond collecting payments, you can pay suppliers, vendors, or staff to mobile money or bank accounts - with optional approvals and daily limits so you stay in control.

Every workspace is fully isolated, with its own customers, branding, and payment credentials. You can run several from one login.