01 / 08
Retail & Duka POS
Inventory, sales and M-Pesa reconciliation for shops and supermarkets.
Nairobi, Kenya 01°17′S 36°49′E
We build the systems
Kenyan business runs on.
Custom software, mobile apps and fintech — M-Pesa-native, engineered to a global standard. From a single shop's till to platforms that carry a whole sector.
Today's sales
KSh 84,200
▲ 12%
M-Pesa txns
312
▲ 8%
Low stock
6
items
On shift
4
staff
Sales · last 7 daysKSh 512,400
M-Pesa reconciliationauto-matched
14:22Till · Wanjiru M.KSh 2,400matched
14:19Till · Otieno K.KSh 880matched
14:15Till · Wanjiru M.KSh 5,150matched
Built for the businesses that move Kenya
Retail SACCOs Schools Clinics Agribusiness Logistics HR & Payroll Fintech
Flagship product
Halisi Ledger
The M-Pesa lending platform for chamas & SACCOs.
Members contribute and repay over M-Pesa, loans disburse instantly, and every shilling reconciles itself. No Excel. No chasing repayments.
- 01ContributeMembers pay in with an STK push — balances and statements update live on their phones.
- 02DisburseAn admin approves a loan and it's sent to the member's M-Pesa instantly, via B2C.
- 03ReconcileRepayments arrive and auto-match to the loan (C2B) — the books are always right.
Your money never touches Halisi. Funds stay in your own paybill — we build the software, we never hold or move your cash.
Members
48
active
Contributed · Sep
KSh 312K
▲ 9%
Active loans
7
KSh 210K
On-time repay
96%
▲ 4%
Contribution
STK push
Disbursement
B2C loan
Repayment
C2B match
Ledger · auto-reconciledtoday
14:22Wanjiru M. · contributionKSh 5,000posted
14:18Loan · Achieng O.KSh 40,000disbursed
14:11Otieno K. · repaymentKSh 3,200matched
Chama
Table-banking & investment groups · 10–50 members
KES 3K–8K/ month
+ KES 40K–120K one-off setup
- M-Pesa contributions (STK push)
- Member balances & statements
- Basic loan tracking
- WhatsApp & SMS reminders
Full lending suite
Small SACCO / Lender
SACCOs & micro-lenders · 100–1,000 members
KES 10K–40K/ month
+ KES 150K–500K one-off setup
- Everything in Chama, plus:
- Instant loan disbursement (B2C)
- Automatic repayment reconciliation (C2B)
- Roles, approvals & full audit trail
Setup is one-off; the monthly fee is per group. Ranges are starting points — we confirm on a quick scoping call.
The platform
One engine. The rest of what we build.
Halisi Ledger is the flagship. The same multi-tenant, M-Pesa-native platform powers eight more systems — each production-grade, and each one we can build for your business.
02 / 08
School Management
Fees, attendance and parent communication for schools and colleges.
03 / 08
Clinic & Hospital
Patient records, billing and SHA claims for health facilities.
04 / 08
Agribusiness
Farm records, produce grading and cooperative farmer payouts.
05 / 08
Logistics & Fleet
Route planning, vehicle tracking and proof of delivery.
06 / 08
HR & Payroll
Payroll with NSSF, SHA and KRA compliance in one system.
07 / 08
Payments & Fintech
M-Pesa, bank and card integrations that reconcile themselves.
08 / 08
WhatsApp Engagement
Chatbots and messaging on the channel your customers already use.
The ambition
Building the software backbone of Kenyan enterprise.
Halisi means genuine. We started because the tools Kenyan businesses run on were built somewhere else, for someone else's problems. We build the real thing here — to a standard that stands anywhere — and we intend to become the name behind the systems this economy depends on.
Local truth
We deal with M-Pesa, SHA and KRA ourselves. Your context is our starting point.
World class
Security, testing and reliability held to the bar of the best teams anywhere.
You own it
You keep the code and the data. No lock-in, clean handover, honest architecture.
Real partnership
We sit with your team through discovery and stay long after go-live.
How we work
A clear path from idea to a system your team runs on.
No black box. Every engagement moves through the same four stages, with a fixed quote before a line of code is written.
01
Discover
We map the real workflow — how money moves, where paper still rules, what breaks under load. Most project risk is removed here.
02
Design
Screens, data flows and integration points, reviewed with your team until everyone agrees on what's being built.
03
Build
Shipped in working increments, so you use real progress from week one instead of waiting months for a reveal.
04
Launch & grow
We train your team, support the rollout, and extend the system as the business grows.
Start the conversation
Tell us what's slowing your business down.
We'll tell you, honestly, what it would take to fix it — and give you a fixed quote before any work begins.