Payment Collection
Receive payments from multiple channels through a unified receiver. Every transaction is logged with full metadata.
Collect, match, and post payments faster.
Connect M-PESA and other payment channels to your core banking system with clean reconciliation.
Core Features
Everything your operations team needs in one place.
Smart Matching
Automatically match incoming payments to client accounts using phone numbers, account references, and transaction data.
Core Banking Posting
Post matched payments directly to Finobile Core Banking for loan repayments, savings deposits, and share accounts.
Reconciliation
Daily close with confidence. Compare source statements against posted records and resolve discrepancies fast.
Exception Handling
Unrecognized payments are queued for review. Edit accounts, add comments, and replay once resolved.
Wallet & Charges
Track processing wallet balances and configure per-transaction charges for different payment channels.
Connect your payment channels.
Finobile supports multiple payment sources with more being added regularly.
M-Pesa C2B
Paybill and Till Number collections via Safaricom Daraja API callbacks.
ActiveCard Payments
Visa and Mastercard collections for loan repayments and savings deposits.
Coming soonBank Transfers
Direct EFT and RTGS integrations with major Kenyan commercial banks.
Coming soon
How it works
From payment received to ledger posted in seconds.
01
Receive
Payment arrives via any connected channel. The raw transaction data is stored immediately.
02
Identify
The system matches the payment to a client account using reference data and phone lookup.
03
Post
Matched payments are posted to the correct Finobile account (loans, savings, or shares).
04
Reconcile
All transactions are tracked for end-of-day reconciliation against source statements.
Built for
Financial institutions that take collections seriously.
Digital Lenders
Automate loan repayment collection and posting. Handle multiple paybills and high transaction volumes.
SACCOs
Member contributions, loan repayments, and share deposits all matched and posted automatically.
Microfinance
Serve high client volumes with automated payment processing and exception management.
Fintechs
Move fast with payment integrations that just work. Focus on your product, not payment plumbing.