Custom software development in Kenya, built to run your business
We build POS, ERP, SACCO, lending and SaaS systems for businesses in Nairobi, Mombasa, Kisumu and across Kenya, with M-Pesa Daraja payments wired in from day one. You get a fixed quote up front and you own every line of code.
Fixed quote Typical range for a custom business system Priced for your region and scoped to your workflows, M-Pesa flows, users and reports. Paid 50/25/25.
What we build for Kenyan companies
From a single-branch shop in Mombasa to a SACCO in Kisumu or a head office in Nairobi, we build the system your operation actually runs on. Here is where we work.
POS and inventory
Point-of-sale, stock control and multi-branch reporting, like our own Growth Informer Business platform. Works on mid-range Android tills and syncs when the network returns.
ERP and business systems
Tie sales, purchasing, stock and accounts into one system so you stop reconciling five spreadsheets. Built around how your teams in Nairobi and upcountry actually work.
SACCO, microfinance and lending
Member records, savings, loan origination, repayment schedules and statements, with M-Pesa collection and disbursement. Reports that support what your board and the relevant regulator ask for.
SaaS platforms
Multi-tenant products you can sell on subscription, the way we built Karibu for the travel sector. Sign-up, billing and admin dashboards included.
M-Pesa integration
M-Pesa Express, C2B Paybill and Till, B2C and B2B via Daraja, plus Airtel Money where you need it. Payments reconcile automatically against orders, invoices or loan accounts.
Commerce platforms
Online stores and ordering systems with mobile-money checkout, like our White Gorilla Electronics build. Fast on slow data and easy to update yourself.
Software development for Nairobi, Mombasa and Kisumu
We are a Kampala team delivering for Kenyan businesses remotely, in the same East Africa Time zone. Scoping runs on a call and on WhatsApp, you see working software at the review stage, and the fixed quote, 50/25/25 plan and code ownership are the same whichever city you run from.
Nairobi
Head offices, fintechs, SACCOs and multi-branch retailers. We build systems that connect a Nairobi head office to branches upcountry, with role-based access, approvals and one set of numbers for management.
Mombasa
Clearing and forwarding, wholesale and distribution, coastal hotels and tour operators. Custom software for Mombasa firms often starts with stock and shipment tracking, M-Pesa and bank collections, and reports that open on a phone.
Kisumu and western Kenya
Traders, agribusiness, schools, clinics and SACCOs across the lake region. Systems built for mid-range Android phones and patchy data, syncing when the connection returns, with M-Pesa at the counter and in the field.
M-Pesa Daraja integration, done properly
Most M-Pesa problems are not the payment prompt. They are the callback that never arrives, the customer who pays with the wrong account number and the payout nobody approved. We build for those cases on Safaricom's Daraja APIs.
M-Pesa Express (STK Push)
A prefilled payment prompt on the customer's phone at checkout or at the till. We handle the callback, timeouts and cancelled prompts, so an order is never marked paid twice or left hanging.
Paybill and Till (C2B)
Validation and confirmation URLs registered for your Paybill or Till, so confirmed payments post straight to the right invoice, order or loan account. Mistyped references land in a review queue, not a spreadsheet.
Payouts (B2C and B2B)
Salaries, refunds, supplier payments and loan disbursements sent from your shortcode, with maker-checker approval inside the system before any money leaves.
Status, balance and reversals
Transaction Status recovers payments whose callback was lost, Account Balance feeds daily reconciliation, and every reversal request is logged with who asked for it and why.
Recurring payments and QR
M-Pesa Ratiba standing orders for subscriptions and instalments, which need a commercial agreement with Safaricom before going live, plus dynamic QR codes for counters and invoices.
A ledger you can audit
Every receipt maps to a ledger entry, using the double-entry discipline behind Moyo Pay, our own dual-currency wallet with Mobile Money and USSD. Your shortcode, Daraja app and credentials stay in your name.
What custom software costs in Kenya
Every build gets one fixed figure after scoping. These are typical ranges, priced for your region, so you can tell early whether a custom system fits your budget.
| Build | Typical range |
|---|---|
| Custom business system: workflows, roles, approvals, reports and M-Pesa | |
| POS and inventory, single or multi-branch | |
| SACCO and microfinance system | |
| Loan management and digital lending | |
| Companion mobile app, Android and iOS |
Ranges cover the build, testing, training and handover. Hosting and any support retainer are quoted separately at the same time, so nothing appears later as a surprise. Most systems ship in 6 to 12 weeks. Websites are priced separately.
A fixed scope and a system that is yours
No open-ended hourly billing and no vendor lock-in. We agree the scope, quote it, build it and hand it over. Every project includes:
- A written scope and fixed quote before any code is written, so you know the full cost up front
- M-Pesa integration tested against real transactions, with automatic reconciliation
- The full source code, domain and hosting accounts transferred to your name at completion
- Built for mid-range Android and slow connections, the devices your staff and customers actually use
- Training and handover for your team, plus a support window after go-live
Systems we have already shipped
We are not describing what we could build. Growth Informer Business is our own live cloud POS and business platform, Karibu is a working travel SaaS, White Gorilla is a live commerce platform, and Moyo Pay is our own dual-currency wallet on a double-entry ledger. That, plus 37 live website and app builds, is the capability behind your project.
Questions before you build
It depends on scope, so we quote each project individually after a short scoping call. You get one fixed figure that covers the whole build, and the typical ranges for custom systems, POS, SACCO and lending software are shown in the pricing table on this page, priced for your region. Websites are priced separately.
We are based in Kampala, Uganda, and deliver for Kenyan businesses remotely in the same East Africa Time zone. Scoping, reviews and support run over calls and WhatsApp, and the fixed quote, 50/25/25 payment plan and full code ownership are the same as for any client.
Yes. We work with businesses in Nairobi, Mombasa, Kisumu and anywhere else in Kenya, because delivery is remote and every review happens on working software. The systems are built for mid-range Android phones and slow connections, wherever your staff and customers are.
Most systems ship in 6 to 12 weeks depending on complexity. We break the work into stages tied to the payment plan, so you see working software at the review point, not just at the end.
Every project runs on 50/25/25: 50 percent to start, 25 percent at the review stage when you see the system working, and 25 percent at completion and handover. No large lump sum before you have seen anything.
Yes, completely. At completion we transfer the full source code, the domain and every hosting and service account into your name. You are never locked to us and can hire any developer to continue the work.
Yes. We work with Safaricom's Daraja APIs: M-Pesa Express (STK Push) for collections, C2B for Paybill and Till payments, B2C and B2B for payouts, and Transaction Status, Account Balance and Reversal for reconciliation. M-Pesa Ratiba standing orders, dynamic QR and Airtel Money are added where you need them. Payments reconcile automatically against your orders, invoices or loan accounts.
Yes. We build loan origination, repayment schedules, M-Pesa disbursement and collection, arrears tracking and portfolio reports around your own loan products. Meeting licensing and reporting rules is the lender's obligation, and the software is built to support the reports the relevant regulator asks for.
Ask three things before you sign: who owns the source code, data and hosting accounts, whether the quote is fixed or an hourly estimate, and whether they can show live systems they have built. With us you own everything, the quote is fixed before work starts, and you can see our own live platforms, Growth Informer Business and Karibu, plus 37 live website and app builds.
Get a fixed quote for your software
Tell us what you need and where you are. We reply on WhatsApp with questions or a fixed quote, usually the same working day.
Tell us what your
business needs to run on
Send us the problem from Nairobi, Mombasa, Kisumu or anywhere in Kenya and we will come back with a scope and a fixed quote, no obligation.
Talk on WhatsApp