Reconcile every
M-Pesa payment
in seconds, not hours
Gigva is a business operating system for Kenyan retail shops, logistics firms, and SMEs. It pulls your M-Pesa transactions in real time, matches them to invoices automatically, and flags anything that needs your attention — so month-end close takes minutes, not days.
Businesses using Gigva reconcile 300+ daily M-Pesa transactions in under 60 seconds — replacing 3–4 hours of manual spreadsheet work every week.
The Problem
M-Pesa handles 80% of your revenue.
Excel handles your reconciliation.
Kenyan retail shops, logistics firms, and SMEs process the majority of their revenue through M-Pesa — but Safaricom was built as a payment network, not an accounting system. That gap is costing businesses hours every week and thousands of shillings in missed discrepancies.
3–4 hours every week on manual reconciliation
Most SMEs and retail shops download M-Pesa statements, paste them into Excel, and spend their Friday afternoons matching payments to invoices line by line. Every entry is a chance for a mistake.
No live view of what has been paid and what has not
Without a real-time dashboard, logistics firms and retailers either call customers to confirm payment or discover a missed invoice weeks after it was due — costing time and cash flow.
Month-end is a scramble
Pulling reports from M-Pesa, bank statements, and a separate invoicing tool means your accountant gets the numbers late or wrong. For SMEs handling hundreds of daily payments, this compounds fast.
Live Dashboard
Every M-Pesa payment your business receives — organised automatically
Retail shops, logistics firms, and SMEs across Nairobi use Gigva to replace spreadsheet reconciliation with a real-time dashboard. Below is what their screen looks like.
Sample data for illustration — your real transactions will appear here
| Transaction ID | Date & Time | Sender | Amount (KSh) | Invoice | Type | Status |
|---|---|---|---|---|---|---|
| QHJ2KXPL7 | Today, 08:14 | James Mwangi 0712 3XX XXX | 15,500 | INV-0041 | C2B | Reconciled |
| QHK9MPRT2 | Today, 08:52 | Sarah Kamau 0722 4XX XXX | 8,200 | INV-0038 | C2B | Reconciled |
| QHL4NWVS8 | Today, 09:30 | Peter Otieno 0700 9XX XXX | 32,000 | — unmatched | C2B | Unmatched |
| QHM7PXQK1 | Today, 10:05 | Ann Wanjiru 0733 1XX XXX | 5,750 | INV-0045 | C2B | Reconciled |
| QHN1RYUT5 | Today, 10:41 | David Kamau 0711 8XX XXX | 12,300 | INV-0043 | C2B | Pending |
| QHP3STMK9 | Today, 11:02 | Grace Muthoni 0728 2XX XXX | 4,500 | INV-0040 | C2B | Failed |
| QHQ6UVNL2 | Today, 11:38 | John Kipchoge 0719 5XX XXX | 21,000 | INV-0047 | C2B | Reconciled |
How It Works
From M-Pesa payment to reconciled books — automatically
Here is exactly what Gigva does for retail shops, logistics companies, and SMEs that handle daily M-Pesa transactions. No vague promises — just the specific steps.
Connect your M-Pesa Paybill or Till number
Setup onceEnter your Safaricom Daraja credentials in Settings. Gigva registers a C2B webhook URL with Safaricom — this is a one-time setup that takes under 10 minutes.
Every payment is captured the moment it arrives
3–5 second captureWhen a customer pays your Paybill, Safaricom sends a callback to Gigva within 3–5 seconds. Gigva records the sender name, phone number, amount, reference code, and exact timestamp.
Transactions are automatically matched to invoices
AutomaticGigva compares each incoming payment against your open invoices using the payment amount and customer reference. When the match is exact, the invoice is marked paid and the transaction is reconciled instantly.
Mismatches and errors are flagged immediately
Instant alertPartial payments, wrong reference codes, or amounts that do not match any invoice are surfaced in your dashboard with full context. You see exactly what the issue is and can resolve it in one click — manual override or create a new invoice.
Generate your reconciliation report at any time
One clickPull a reconciliation report for any date range: all transactions, their match status, outstanding invoices, and a cash summary. Download as CSV for your accountant or PDF for your records.
One Platform
Four modules. One account. One invoice.
Gigva is a single platform — not a bundle of separate products. Every module shares the same transaction data, the same interface, and the same subscription. Retail shops and SMEs get everything they need without paying for tools they will never use.
Payments & Reconciliation
CoreEvery M-Pesa payment your retail shop or logistics firm receives is logged, matched to an invoice, and reconciled automatically. Discrepancies are flagged before they become problems.
- Real-time C2B transaction ingestion via Daraja v2
- Automatic invoice matching by amount and reference
- Partial payment and overpayment detection
- Unmatched transaction alerts within seconds
- Reconciliation audit trail (who matched what, when)
- End-of-day cash summary
Analytics & Reporting
Built-inRevenue dashboards and financial reports built directly on your live M-Pesa data. See daily totals, customer payment trends, and invoice aging — without exporting a single CSV yourself.
- Daily, weekly, and monthly revenue charts
- Top customers ranked by payment volume
- Invoice aging report (30 / 60 / 90+ days)
- Failed and pending payment summaries
- Download reports as CSV or PDF
- Custom date range filtering
Smart Alerts
Built-inConfigurable alerts surface anomalies in your payment data before they cost you money — unusual amounts, duplicates, revenue drops, and missing expected payments.
- Unusual payment amount detection
- Duplicate transaction reference check
- Customer missing expected payment reminder
- Revenue drop notification (configurable)
- Unmatched invoice follow-up alert
- In-app and email delivery
Integrations
ConnectConnect Gigva to your existing tools via REST API or outbound webhooks. Export in formats your accountant can use directly — no manual reformatting.
- REST API with OpenAPI documentation
- Outbound webhooks on payment events
- QuickBooks-compatible CSV export
- Xero-compatible CSV export
- API key management with per-key scopes
- Webhook retry with exponential back-off
Trusted in Nairobi
Built in Nairobi. Tested by real businesses.
Gigva has operated in Kenya's M-Pesa payment space since 2012. We work directly with retail shops, logistics operators, and service businesses — and every feature in the product has been shaped by how those businesses actually work.
"I used to spend every Friday afternoon matching M-Pesa payments to invoices in Excel. Gigva replaced that with a 5-minute review of anything flagged."
"The alert when a payment arrives without a matching invoice has already saved us twice. We caught a duplicate payment from a client before it caused confusion."
"Our accountant now gets a reconciliation report at month-end instead of a pile of M-Pesa screenshots. Setup was less than an hour."
Pricing
Free for 3 months.
From KSh 2,999 after that.
Full access to every feature from day one — payments, analytics, alerts, and integrations. No credit card required. No feature gates during trial.
Stop reconciling M-Pesa payments manually.
Start doing it in seconds.
Retail shops, logistics firms, and SMEs across Nairobi use Gigva to eliminate spreadsheet reconciliation. 3 months free, full access, no credit card.