Accept any payment your customer wants to use.
M-Pesa, card, bank transfer, cash — recorded against the right sale and invoice.
ninoPOS Payments is the layer between your customer's wallet and your accounting books. Every method is first-class — M-Pesa, mobile money, card terminal, bank transfer, cash — and every payment you record lands in the right place: bank ledger, customer balance, invoice, and P&L.
Today, without Payments
- M-Pesa references are matched by hand at end of day
- Card payments don't talk to the POS — manual reconciliation
- Bank transfers arrive without enough info to match the invoice
- Cash variance is "yeah, that's probably about right"
- Customers want to pay split (cash + M-Pesa) and the till can't handle it
With ninoPOS Payments
- Record M-Pesa & mobile-money payments from the POS
- Card terminals integrated with the POS — one tap, one receipt
- Bank transfers reconciled via CSV import + auto-matcher
- Cash declared per shift; variance flagged and approved
- Split payments (any combo) on a single sale, atomically
Everything in Payments
No add-ons, no upsells — included on every plan.
Record M-Pesa payments
Mark M-Pesa and mobile-money payments at the till, capture the transaction reference, and print the receipt.
- Record from POS
- Capture M-Pesa reference
- Logged against the sale
- Refund support
Card payments
Integrated card terminals (Pesapal, DPO, others on the roadmap). Tap, swipe, or insert — POS handles the rest.
- Pesapal + DPO integrations
- Tap / chip / swipe
- Logged against the sale
- Tip handling
Bank transfers
Customer transfers; you import the bank CSV; ninoPOS auto-matches to the right invoice by amount, date, and reference.
- CSV import
- Auto-matcher
- Reference parsing
- Confidence-scored suggestions
Cash management
Per-shift cash drawer, declared float, end-shift count, variance flagged for manager. End-of-day cash always ties out.
- Per-shift drawer
- Declared float + count
- Variance flagging
- Cash drop / pickup tracking
Split payments
One sale, multiple methods. Cash + M-Pesa + card on the same ticket; each method posts to its own ledger.
- Any-combination split
- Per-method audit
- Per-method receipts
- Tip + change handling
Payment tracking & matching
Each payment you record posts to the right ledger — no double-entry, no drift between till totals and your books.
- Bank ledger atomic post
- Invoice match (oldest first)
- Customer balance update
- P&L update real-time
How Payments works in practice
Step by step — from the customer touch to the final ledger entry.
1. Customer chooses method
M-Pesa, card, bank, or cash. Cashier picks at the till. Or split across methods.
2. Take payment
Record M-Pesa, run the terminal for card, log the bank transfer, or count the cash.
3. Record & match
Payment lands in the bank ledger. Invoice matched. Customer balance updated. All atomic.
4. Receipt out
Print + email + WhatsApp the receipt. One template, one tap.
5. End-of-shift
Cash declared; variance computed; manager approves any drift.
6. End-of-day reconcile
Bank statement CSV import + auto-matcher closes out the day. Books match bank.
Local payments, currencies, and connectivity — sorted out of the box
Payments ships with M-Pesa, multi-currency, offline-resilient checkout, and WhatsApp customer messaging baked in — no plugin, no add-on.
- Record M-Pesa & mobile-money payments
- TZS, KES, UGX, RWF, USD — multi-currency invoicing
- Offline mode for areas with unstable internet
- WhatsApp for receipts, reminders, and orders
- Local tax (VAT) reporting baked in
Frequently asked questions
Specific to Payments.
How does M-Pesa work in ninoPOS?
M-Pesa and other mobile-money payments are recorded as payment methods at the POS or against an invoice. The cashier marks what was received and captures the transaction reference.
Which card processors are supported?
Pesapal and DPO are integrated. More processors are on the roadmap; reach out if you need a specific one.
How does bank transfer reconciliation work?
Customer transfers with reference. You import the bank CSV. The auto-matcher pairs lines with invoices by amount, date, and reference. You apply confident matches in one click.
Can I refund a M-Pesa payment?
Yes — the refund is recorded in ninoPOS and processed through M-Pesa manually.
Can different stores record their own M-Pesa payments?
Yes. Each store records its own M-Pesa and mobile-money payments against its own sales.
Are split payments printed on the receipt clearly?
Yes. Each method appears on its own line with the amount tendered for transparency.
Does ninoPOS support TRA fiscal devices?
ninoPOS records structured POS, invoice, VAT, and payment data that can support fiscal-device workflows. TRA certification applies to approved EFD devices and VFD gateways, so businesses should verify the current approved supplier or gateway with TRA or a tax consultant.
How do I record M-Pesa payments in ninoPOS?
Pick M-Pesa as the payment method at the till or on an invoice, then record the amount received and the M-Pesa transaction reference. The payment is logged against the sale and your ledger for clean end-of-day records.
Pairs well with
Modules that work hand-in-hand with Payments.
Ready to put Payments to work?
Free to start, no credit card required. Live within an hour.