M-PESA Records

How to track M-PESA sales for a Kenyan small business

Updated 7 May 2026 · Featured guide
Track M-PESA sales separately from Cash and Bank so your Kenyan business can understand mobile money income clearly.

M-PESA is one of the most important payment methods for many Kenyan small businesses. If M-PESA sales are not recorded clearly, the owner may struggle to know whether the mobile money balance is correct.

Why M-PESA should be tracked separately

M-PESA is not the same as physical Cash. A customer may pay by M-PESA, but the money is held in the M-PESA account, not in the till. If the sale is recorded as Cash, both balances become misleading.

Example of a wrong account mistake

  • A customer pays KSh 1,500 by M-PESA.
  • The sale is accidentally entered as Cash.
  • Cash appears KSh 1,500 too high.
  • M-PESA appears KSh 1,500 too low.

One wrong account entry can make two balances look wrong at the same time.

What to record for each M-PESA sale

  1. Record the sale amount.
  2. Select M-PESA as the payment account.
  3. Add the sale category if useful.
  4. Add a short note if the sale is unusual.
  5. If the sale uses stock, link the inventory items where possible.
  6. Save the sale on the correct trading day.

How to check M-PESA records at the end of the day

  • Compare Bizwazi M-PESA sales with M-PESA messages or till records.
  • Check M-PESA expenses paid during the day.
  • Check transfers from M-PESA to Bank.
  • Check withdrawals from M-PESA into Cash.
  • Check invoice payments received by M-PESA.
  • Check supplier bill payments paid by M-PESA.

Common M-PESA record problems

  • M-PESA sale entered as Cash.
  • M-PESA withdrawal not recorded as a transfer.
  • M-PESA to Bank transfer recorded as a sale.
  • Business and personal M-PESA activity mixed together.
  • M-PESA fees ignored as business costs.

How Bizwazi helps

Bizwazi lets you record M-PESA sales separately from Cash and Bank. This helps the owner review mobile money income, compare it with actual M-PESA balances, and find mistakes more quickly.

How Bizwazi helps

Bizwazi gives small businesses a simple way to record sales, expenses, invoices, inventory, supplier bills, transfers, daily balances and reports in one place.