SACCO Automation Software — Kenya
Automate. Integrate. Digitize.
Automate every SACCO payment — from M-Pesa receipt to General Ledger — in real time. No manual entry. No reconciliation headaches.
Trusted by
Leading Institutions
WHAT WE DO
Automate Your SACCO's Financial Operations
SaccoFi eliminates manual receipting and reconciliation — automating every payment from collection through to your General Ledger, across M-Pesa, bank B2B, and all digital channels.
Auto Receipting
Eliminate Manual Receipt Books
Every payment automatically generates a secure digital receipt within seconds and posts directly to the member's account — no handwriting, no delays, no errors.
- Instant digital receipt on every payment — M-Pesa, B2B, POS & Cash
- Automatic posting to member accounts — zero manual entry
- SMS & email receipt delivery in real time
- Complete audit trail with uniquely numbered records
- Real-time General Ledger update on every transaction
Paperless receipting across all payment channels
General Ledger posting on every transaction
Manual reconciliation required with SaccoFi
Supported Channels
- M-Pesa Paybill
- Bank B2B
- Agency Banking
- SaccoLink
- mCoopCash
- Mobile Banking
- POS
- Online Portal
- Diaspora
Payment channels all automatically reconciled
Ready to Replace Your Receipt Books?
Transform your SACCO with SaccoFi — faster, safer, and smarter member service from day one.
Auto Reconciliation
Stop Reconciling Transactions Manually
SaccoFi automatically matches every incoming payment to the correct member account, loan, or savings record — then posts directly to your General Ledger in real time.
- Intelligent matching by member number, amount & payment reference
- Automatic GL posting — savings, loans, shares and deposits
- Exception dashboard: review only unmatched transactions
- Covers all channels — M-Pesa, B2B, Mobile, Agency Banking & more
- Faster month-end close with live dashboards and audit-ready records
Integrations
One Platform. Every Channel.
SaccoFi connects your SACCO to Kenya's full payment ecosystem — banks, mobile money, diaspora remittances, and debit cards — through a single integration layer.
Collections
B2B Bank Collections
Extend your SACCO's collection points via Commercial Bank APIs — PAYTOFOSA, mCoopCash, and Internet Banking (IIS).
Mobile Money
M-Pesa & Mobile Payments
Accept M-Pesa Paybill payments with automatic posting to member accounts and instant SMS receipt delivery.
SaccoLink
SaccoLink Debit Card
Issue members the Co-op Bank–powered SaccoLink debit card and let them transact at any Kenyan ATM or POS terminal.
Diaspora
Diaspora Remittances
Receive member remittances from abroad via Sendwave, Tap Tap Send, LemFi, and SWIFT — posted automatically to the correct account.
Who we are
Your Digitization Partner
We're a team passionate about empowering SACCOs to thrive in the digital age. We believe in the transformative power of technology, but we also understand the challenges of implementation. That's why we focus on:!
- Speeding Up Digital Transformation
We help SACCOs embrace new technologies quickly and efficiently, without sacrificing quality. - Simplifying the Journey
We break down complex tech solutions into manageable steps, ensuring everyone understands and can benefit from them. - Optimizing People, Innovation, and Cost
We find the right balance between talent, cutting-edge solutions, and affordability to deliver the most value for your SACCO.
BOOK A FREE DEMO
Replace Manual Receipt Books Today
