Get paid, and know exactly who paid.
Collect on every rail your customers already use, match the money back to the right bill without scrolling a bank statement, and see who is behind before it becomes a write-off.
Collections & Reconciliation
Inside the module
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M-Pesa STK push
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Card payments
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Paybill and bank, reconciled
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Even scanned statements
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Oldest balance first
What you get
The collection half of every Zana solution - metered, recurring, or one-off.
M-Pesa STK push
Every bill carries a pay link. The customer enters their number, approves the prompt, and the payment lands against the right invoice - no account, no app.
Card payments
Card collection on the same link, with the option to pass the processing fee on or absorb it. Your provider’s rates, no percentage taken by us.
Paybill and bank, reconciled
Money paid into your paybill, till or bank is matched from an uploaded statement against the reference the customer quoted - not by eye, and not at month end.
Even scanned statements
CSV, Excel, or a PDF your bank emailed you - including scanned ones. Duplicate-import guards mean re-uploading the same file changes nothing.
Oldest balance first
A payment quoting an account reference clears the oldest bill first, then the next, and banks any remainder as credit against the following cycle.
Arrears you can act on
Balances aged 30, 60, and 90 days, a collection rate, and a ranked debtor list - by zone and route for metered businesses.
Receipts, automatically
A PDF receipt is raised and delivered the moment a payment settles, and every customer can be handed a statement for any date range.
One ledger behind it
Every payment, part-payment, overpayment, and write-off posts to double-entry books in the same transaction. The reports reconcile because they read the ledger.
From bill to reconciled in three steps
Send the bill
Raised by hand, by a recurring schedule, or by a metered billing run - each one carries a pay link and your payment instructions.
Let them pay their way
M-Pesa or card on the link; paybill, bank transfer, cheque, or cash if that is how they pay. All of it lands against the same invoice.
Reconcile and chase
Upload the statement and matches post themselves. What is left is a short exceptions list and an aged debtor list worth a phone call.
Who collects this way
Water utilities
Hundreds of paybill deposits a cycle, matched to accounts by the reference the customer typed.
Read the storySchools
Families paying a term fee in instalments, each deposit matched and the balance tracked.
Read the storyMemberships
Monthly members who lapse quietly, surfaced by ageing instead of discovered a quarter later.
Read the storyAgencies
A deposit before work starts and the balance on delivery, reconciled without a spreadsheet.
Read the storyReady to stop chasing statements?
Collections runs inside every Zana solution - it is not a separate system to reconcile against. Start free, no card required, or talk to us for a walkthrough with your own statement.