Free forever for small business
Clear books.
Confident decisions.
Invoice customers, track expenses, and see cash clearly—without spreadsheets, a trial clock, or paying before you are ready.
Free forever to start No credit card
Business overview
Cash flow (KES)
Cash in Cash out Net cash
Recent activity
View all- New quote sent via WhatsAppMaua InteriorsKES 45,000Just now
- M-Pesa payment receivedFrom 254 712 345678KES 32,0002m ago
- Invoice openedBig 5 SuppliesKES 28,5001h ago
- Job updatedKitchen cabinets – KarenIn progress2h ago
Everything connected
Everything you need to see the money clearly.
Start with invoices, expenses, and cashflow. Add WhatsApp, M-Pesa, receipts, jobs, and team delivery when the business is ready.
Simple money flow
From invoice to payment to a clean finance record.
See how a customer bill becomes a payment, receipt, and cash picture without rebuilding spreadsheets.
Core flow
Invoice
Expense
Payment account
Cash in / cash out
Balances
Reports
Owner view
Know who owes you, what you spent, and what cash looks like.
Owners can see unpaid invoices, expenses, payment accounts, cashflow, and the balances that matter—before adding WhatsApp automation.
Start freeBest-fit businesses
Built for owners who need clean books, not complicated software.
Start free with invoices and expenses. Upgrade later if WhatsApp chats and M-Pesa collections become part of the daily workflow.
Starlink, CCTV and solar installers
Quote equipment and labour from WhatsApp, collect deposit or full payment, assign technicians, track expenses, and close installation jobs.
View use caseField-service and repair companies
Turn WhatsApp repair requests into callout invoices, technician dispatch, status updates, and unresolved-work reporting.
View use caseOnline businesses collecting through M-Pesa
Create invoices from WhatsApp orders, collect through STK, issue receipts, and keep paid orders visible until fulfilment.
View use caseA calmer working day
Spend less time chasing numbers. Know what needs attention.
Start with invoices, expenses, and cashflow. Add WhatsApp, M-Pesa collection, and delivery tracking when the business is ready.
JM
Jane M.I need CCTV installation in Kitengela.
Creating quoteKES 24,500
✓
Quote ZV-Q-1042 sentLinked to Jane’s conversation
01
WhatsApp message → quoteTurn a customer request into a trackable quote without leaving the conversation.
Amount dueKES 18,000
Send M-Pesa STK
M-PESA
Enter PIN to pay KES 18,000
✓Payment receivedReceipt matched automatically
02
Invoice → M-Pesa STK paymentPrompt the customer, confirm payment, and keep the receipt attached to the invoice.
Invoice #ZV-2084PaidCCTV installation
→
DK
Assigned to David K.Install · Today, 2:00 PM
03
Paid invoice → assigned jobMove paid work into delivery with the customer, scope, and payment already connected.
Payment+ KES 18,000
Materials− KES 6,500
Net cashflowKES 11,500Report updated
04
Payment and expense → finance reportSee collections, costs, and cashflow update from the same operating records.
Customer inbox
Customer inbox
See every WhatsApp customer conversation in one workspace, assign chats to staff, restrict sensitive customers to specific users, and keep the record together.
Explore Customer inbox
Zivo screens
Shared inbox
Client profile
Team assignment
Quotes and ZivoPay
Quotes and ZivoPay
Create quotes and invoices from customer chats, send hosted checkout links, collect through M-Pesa STK, and issue receipts after payment is confirmed.
Explore Quotes and ZivoPay
Zivo screens
Quotes
Invoices
STK checkout
Receipts
Jobs and delivery
Jobs and delivery
Turn paid orders, installations, repairs, and service requests into assigned jobs so staff and managers know what still needs delivery.
Explore Jobs and delivery
Zivo screens
Assigned jobs
My Jobs
Delivery status
Finance and accounting
Finance and accounting
Track payments, expenses, suppliers, payment accounts, customer statements, cashflow, profit, VAT summaries, and journal audit trails.
Explore Finance and accounting
Zivo screens
Payments
Expenses
Statements
Accounting
Connected tools
Use WhatsApp, M-Pesa, and API checkout without losing the customer record.
Included setup
WhatsApp Business
M-Pesa STK
ZivoPay API
Security
Keep each business workspace separate and controlled.
Security notes
Each business works inside its own Zivo workspace.
Staff access is role-based so users only see the areas they need.
Public checkout, invoice, receipt, and statement links use secure tokens instead of exposing the dashboard.
What gets easier
Cleaner books. Fewer surprises. More confidence.
Know today’s cash position without rebuilding Excel
Invoices, expenses, customer balances, cashflow, and profit update from the records you already keep in Zivo.
Send professional invoices without a trial clock
Create clear customer invoices on the free plan, then upgrade later if you need WhatsApp delivery or M-Pesa STK checkout.
Stop chasing payment screenshots
On ZivoPay, see the M-Pesa attempt and confirmed payment against the correct invoice while the customer record stays open.
Never forget a paid order awaiting delivery
Paid work stays visible as an assigned job until your team completes the delivery, installation, repair, or service.
Let staff collaborate without sharing one phone
Sales, support, accounts, and delivery teams can work from the same customer history with clear ownership and controlled access.
Kenyan customer stories
Six named customer references across very different businesses.
See customer-verified Zivo use, linked company websites and measurable public operating scope across installation, gyms, technical services, fabrication, WiFi and education.
Starlink installation and support
Spacekits
Turning installation enquiries into quoted, scheduled and documented field work.
Customer contact: Lucy Macharia
Read customer storyGym management software
JIM
Keeping membership, billing, check-ins and daily gym operations in one system.
Customer contact: Samuel Munywoki
Read customer storySolar, CCTV, networking and electrical installation
Nemster Installations
Coordinating technical site enquiries, quotations and field installations across service lines.
Customer contact: Nehemiah Muthee
Read customer storyMobile welding and metal fabrication
Gamun Engineering Solutions
Moving custom fabrication enquiries from specification and quote to onsite delivery.
Customer contact: Solomon Maina
Read customer storyWiFi and MikroTik billing
Pawa WiFi
Connecting M-Pesa payment to automatic WiFi access and operator visibility.
Customer contact: Esther Macharia
Read customer storySchool management and analytics
Ratibu Analytics
Keeping school administration, assessments, finance and communication connected.
Customer contact: Paul Njunge
Read customer storyHow it works
Start with clean books. Add automation when you need it.
Open a Zivo Start workspace with no card and no trial clock.
Create customer invoices, record expenses, and keep balances in one place.
Use essential cashflow and profit reports instead of rebuilding Excel every week.
Add WhatsApp inbox tools and ZivoPay when chats become paid work.
Send checkout links, collect by M-Pesa STK, and keep receipts attached.
On paid plans, assign delivery, installation, or service jobs until the work is complete.
Pricing
Plans that start free and stay simple.
Start free forever with invoices and expenses. Upgrade to ZivoPay when you need WhatsApp and M-Pesa automation, or Zivo Business when the whole operation needs one workspace.
Zivo Start
KES 0 forever
Free forever · no billing
Best when you just need clean books and invoices.
Free forever for invoices, expenses, and a clear money picture.
- Manual quotes and invoices
- Manual expenses
- Customer balances
- Essential cashflow and profit reports
Plan limits
1 user
Up to 20 invoices/month
No M-Pesa automation
No job tracking
Capped reports
Start free
Most popular upgrade
ZivoPay
KES 3,500 per month
Annual: KES 35,000 billed once per year
Best for businesses selling and collecting via M-Pesa.
Upgrade when WhatsApp chats become paid work and collections need automation.
- Everything in Zivo Start
- WhatsApp quotes, invoices and recurring billing
- Hosted ZivoPay checkout and M-Pesa STK
- Automatic matching and exception reconciliation
- Receipt capture and customer statements
- Expenses and finance reports
Plan limits
1 WhatsApp number included
Up to 10 staff users
Up to 300 invoices/month
Payment-to-operations queue included
Simple finance reports included
Start free, then upgrade
Zivo Business
Starting from KES 5,500 /month
Annual: KES 55,000 billed once per year
Best for teams with branches, departments, or API workflows.
For larger operations that need more numbers, controls, automation, and reporting.
- Everything in ZivoPay
- POS, stock and purchasing
- Jobs, orders, picking and delivery
- Paid-to-fulfilment control
- Multiple WhatsApp numbers
- Advanced reports and AI
- Hosted checkout API and callbacks
Plan limits
Multiple WhatsApp numbers
Custom staff limits
Custom invoice and job limits
Advanced finance reports
Optional AI automation access
Talk to Sales
Zivo subscription covers the Zivo app. WhatsApp Cloud API delivered-message usage is billed from actual usage, currently estimated at about KES 0.52 per delivered billable message. Example: 1,000 delivered billable messages x about KES 0.52 is about KES 520, excluding your Zivo subscription. Meta charges on delivery, and some utility messages inside an active 24-hour customer service window may be free.
Start free, then upgrade only if you need more.
Create a workspace in minutes. Paid setup help is optional and confirmed before any one-off work begins.
Start free forever on Zivo Start. Upgrade when you need WhatsApp, M-Pesa automation, more staff, or higher invoice and job volume.
| Feature | Zivo Start | ZivoPay | Zivo Business |
|---|---|---|---|
| Manual quotes and invoices | 20/month | Included | Included |
| Manual expenses | Included | Included | Included |
| Essential cashflow reports | Basic | Included | Advanced |
| Shared WhatsApp inbox | - | Included | Included |
| Create invoices from chat | - | Included | Included |
| STK checkout links | - | Included | Included |
| Recurring invoices and reminders | - | Included | Included |
| M-Pesa exception reconciliation | - | Included | Included |
| Receipts and customer statements | - | Included | Included |
| Jobs and assigned tasks | - | - | Included |
| Stock, purchase orders and delivery | - | - | Included |
| Expenses, suppliers, payment accounts | Basic | Included | Included |
| Cashflow, VAT, journals | Basic | Included | Advanced |
| Manager reports | Basic | Included | Advanced |
| AI suggestions | - | - | Optional |
| API alerts | - | - | Included |
| Setup support | Self-serve | Guided | Custom |
Extra WhatsApp number
KES 1,000/month
Setup and onboarding
Pilot pricing available
Zivo Expert bookkeeping
From KES 10,000/month
Custom workflow setup
Quoted after demo
Onboarding and support
Start free on your own, or ask for help when you are ready.
Most owners begin with invoices and expenses. When you need WhatsApp, M-Pesa, data import, or team training, we can guide the setup.
WhatsApp Business setup
Connect your official business number, configure the shared inbox, and test incoming and outgoing messages.
A working team inboxM-Pesa onboarding
Set up ZivoPay checkout and STK collection, then verify payment status, receipts, and the hand-off into delivery.
A tested payment flowData import
Bring in customers, products, services, opening balances, and useful spreadsheet records without rebuilding them one by one.
Your real data readyStaff training
Train owners, managers, sales, support, accounts, and field staff around the screens and responsibilities they use.
A confident teamWorkflow configuration
Configure the path from message to quote, payment, assigned job, customer update, and completed delivery.
A repeatable workflowAccounting setup
Prepare payment accounts, expense categories, suppliers, tax settings, opening balances, and manager reports.
Useful finance reportsChoose the level of help
From a guided launch to ongoing operational support.
Guided launch
For teams moving their first workflow into Zivo.
- Launch planning call
- WhatsApp and M-Pesa readiness check
- Core workflow configuration
- Admin handover and go-live check
Team rollout
For businesses importing data or training several roles.
- Spreadsheet and customer-data import
- Role-based staff training
- Accounting setup
- Post-launch review
Zivo Expert
For owners who want clean books and a monthly financial review.
- Monthly M-Pesa reconciliation
- Expense and VAT review
- Profit, cashflow and balance reports
- Bookkeeping questions and month-end support
Our launch promise
Clear scope. Tested workflow. A team that knows what to do next.
- Your setup scope is agreed before work starts.
- Your team tests the core workflow before go-live.
- You keep access to your business data and exports.
- Support options and any one-off fees are confirmed upfront.
FAQs
Clear answers before you start free.
Is Zivo Start really free forever?
Yes. Zivo Start stays free for manual invoices, expenses, customer balances, and essential cashflow reports. No card is required to create a workspace.
What do I get on the free plan?
One owner can create up to 20 invoices a month, record expenses, keep customer balances, and open basic money reports. WhatsApp automation and M-Pesa STK are paid upgrades.
When should I upgrade to ZivoPay?
Upgrade when customer chats become paid work and you need WhatsApp quotes, hosted checkout, M-Pesa STK, automatic matching, receipts, and statements.
Does Zivo include accounting?
Yes. Even on free Start you can track invoices, expenses, and essential cashflow. Paid plans add richer receipts, statements, VAT summaries, journals, and payment automation.
Are WhatsApp Cloud API charges included?
No. Paid Zivo plans cover the Zivo app. WhatsApp Cloud API message charges are calculated from actual usage when you connect WhatsApp.
Know your money without rebuilding Excel every week.
Start free with invoices and expenses. Upgrade later for WhatsApp, M-Pesa, and delivery when the business needs them.
No unclear setup scope · No surprise onboarding fees · Practical human support