M-PESA Payments Kenya

Daily M-PESA Cash-Up Checklist

A simple checklist for checking M-PESA, cash, expenses and balances at the end of each day.

A daily cash-up helps you close the business day with confidence. It shows whether your M-PESA, cash and bank/card balances match your records.

Step 1: Record total sales

Add all sales for the day and separate them by payment method: M-PESA, cash, bank or card.

Step 2: Record expenses

Enter all expenses paid during the day, including supplier payments, transport, wages, airtime and stock purchases.

Step 3: Record transfers

If money moved from cash to M-PESA, M-PESA to bank, or bank to cash, record the transfer so your balances stay correct.

Step 4: Compare final balances

Check the actual M-PESA and cash balances against the expected balances. Differences should be reviewed before closing.

Doing this daily makes it much easier to catch problems early.

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