Vouchers that reconcile themselves.

Issue digital vouchers and disbursements, track every redemption on M-Pesa rails, and close your books with an audit trail — not a spreadsheet hunt.

Early access · founding-customer pricing · shape what ships first

The problem

Moving value at scale is still manual

Whether it's a subsidy, a loyalty programme, or B2B disbursements, the same three leaks drain every programme.

Vouchers issued on paper or WhatsApp can be copied, lost, or disputed — and nobody can prove what happened.

Month-end means someone matching M-Pesa statements to spreadsheets by hand. Errors survive. Money leaks.

When the funder or the board asks for the trail, assembling it takes weeks — if it can be assembled at all.

How it works

Create voucher programmes with rules — value, validity, eligible redeemers, partial redemption if you allow it. Distribute by SMS in bulk.

Beneficiaries redeem at approved agents or merchants. Payment moves on M-Pesa rails the moment the voucher is verified.

Every shilling is matched as it moves — issuance to redemption to settlement. Your books close themselves, with the audit trail built in.

Features

Control

Values, expiry, eligible agents, category restrictions, partial redemption — set once, enforced automatically.

Rails

STK push and B2C disbursement built in from day one, so redemption happens on the rails your beneficiaries already trust.

Trust

Every issuance, redemption, and settlement is logged immutably. Export the full trail for any funder, any period, in minutes.

Scale

Run several programmes, funders, or branches side by side with clean separation and consolidated reporting.

Who it's for

Subsidy & development programmesRetail loyalty & promotionsB2B disbursementsSacco & cooperative payoutsCorporate welfare & staff benefits

Koiva Pay is in build now. Waiting-list members get: