Automated M-Pesa STK Push & Instant Ledger Reconciliation
Stop asking members to send M-Pesa SMS screenshots. ChamaFlow triggers instant PIN dialog prompts on members' phones and auto-credits their personal savings or loan ledgers in under 1 second.
The 3-Second Frictionless Payment Flow
Instant STK Push Trigger
The member selects "Pay Contribution" in their portal, or the Treasurer triggers a scheduled batch collection. An official Safaricom PIN dialog pops up on the member's phone.
Cryptographic Webhook
Safaricom sends a certified webhook payload containing the M-Pesa receipt code, exact timestamp, amount, and payer's phone number directly to your Chama's server.
Zero-Touch Ledger Credit
The member's individual savings account, loan repayment, or welfare balance is updated immediately. An automated SMS receipt is generated with their new balance.
Works with Paybill, Buy Goods Till & Bank Paybills
Connect your existing Safaricom business shortcode in minutes.
Members use their National ID or Membership Number as the Account Reference. ChamaFlow maps payments directly to their exact savings or loan sub-ledger automatically.
Zero customer transaction charges for members. Incoming mobile phone numbers are cross-referenced with your verified member registry for automatic attribution.