7 min read
How to Collect M-Pesa Payments from WhatsApp
A practical Kenyan workflow for moving a WhatsApp enquiry into a professional invoice, M-Pesa STK request, confirmed payment and receipt.
Read guideZivoPay for WhatsApp sales
Collect by M-Pesa without chasing payment screenshots.
Send a professional quote or invoice, trigger M-Pesa STK checkout, issue a receipt, and keep payment status attached to the customer.
- Quotes and invoices
- Hosted ZivoPay checkout
- M-Pesa STK requests
- Payment attempt history
- Receipts and statements
- Payment callbacks for API teams
Inside Zivo
M-Pesa Payments
1. Create the quote or invoice
Connected
2. Send ZivoPay checkout
Connected
3. Customer completes STK
Connected
4. Receipt and next action update
Complete
Practical guides
Learn the workflow before choosing the tool.
7 min read
Quotation and Invoice Templates for Kenya
What Kenyan businesses should include in professional quotations and invoices, with downloadable starting templates.
Read guideWhat gets easier
Less chasing. Fewer missed promises. More confidence.
Make it easy to pay now
Send a secure invoice link or STK request while the customer conversation is active.
Stop chasing screenshots
Track pending, paid, failed, cancelled, and expired payment attempts against the correct invoice.
Look professional after payment
Give customers clear receipts and maintain an accurate statement after payment is confirmed.
How it works
A clear workflow from first action to completed record.
Add the customer, amount, description, and payment terms from the conversation.
The customer opens a secure page and confirms their M-Pesa number.
Zivo records the result against the correct invoice.
Issue a receipt and convert paid work into a delivery or service job.
Included capabilities
The practical tools behind the easier working day.
Quotes and invoices
Hosted ZivoPay checkout
M-Pesa STK requests
Payment attempt history
Receipts and statements
Payment callbacks for API teams
Questions
Clear answers before you try Zivo.
Does Zivo hold the customer’s money?
Zivo records and connects payment activity to the business workflow; the exact settlement setup is confirmed during M-Pesa onboarding.
What happens when an STK request fails?
The attempt remains visible with its status so staff can retry or send the customer the checkout link.
Can payment create a job automatically?
Yes. When enabled, a paid invoice can create the delivery, installation, or service job.