Run your whole business
from one smart system
Sales, inventory, M-Pesa payments, invoices, payroll, and customer accounts — all connected. Whether you run a single shop or a chain of branches, SME Manager keeps you in control.
Built for Kenyan businesses of every type
From a corner duka to a growing supermarket chain — SME Manager adapts to how you operate.
Supermarkets & Dukas
Pharmacies & Chemists
Salons & Barbershops
Restaurants & Cafés
Hardware & Construction
Clothing & Fashion
Electronics & Appliances
Services & Consulting
Up and running in four simple steps
No installation, no IT team. Just sign up and start selling.
Create your account
Register with your email. Your business is ready in seconds — no card required for the free trial.
Set up your business
Add your logo, business name, VAT number, and payment details. Connect M-Pesa with your Paybill or Till number.
Add your products
Import your catalogue from Excel or add products one by one. Set prices, stock levels, and reorder alerts.
Start selling
Open the POS, scan products, accept M-Pesa or cash, and print receipts. Inventory updates automatically.
Everything your business needs — nothing it doesn't
Stop juggling spreadsheets, WhatsApp receipts, and paper notebooks. One system, total visibility.
Inventory & Stock
Track every product in real time. Get automatic low-stock alerts, scan barcodes at the counter, set reorder levels, and bulk import your entire catalogue from Excel or CSV.
Fast Point of Sale
Serve customers faster with a touch-friendly POS. Search or scan a product, it goes straight to the cart. Supports multiple payment methods in a single transaction — cash, M-Pesa, and card.
Customers & Loyalty
Build a full customer database. Track purchase history, manage credit accounts, set credit limits, send account statements, and reward loyal customers with a points-based loyalty program.
Invoices & Quotes
Issue professional tax invoices with your logo and KRA PIN. Send by email as PDF. Track paid, partial, and overdue invoices. Convert quotes to sales in one click. Set up recurring invoices for repeat customers.
Reports & Profit & Loss
Know your numbers instantly. Daily sales summary, Profit & Loss, top-selling products, stock value, customer balances, and expense breakdown — all exportable to PDF or Excel.
Payroll & Staff HR
Process monthly salaries with PAYE, NSSF, and SHIF calculated automatically per KRA 2024/25 rates. Generate payslips and P9 annual tax certificates for every employee. Disburse via M-Pesa with one click.
Expenses & Suppliers
Record every business expense with category, payment method, and receipt attachment. Manage suppliers, raise purchase orders, and receive stock with full traceability from order to shelf.
Multi-Branch Management
Add branches as you grow. Each store has its own inventory, staff, sales, and reports — but you see them all from one organisation dashboard. Transfer stock between branches with full approval flow.
Shift Management
Cashiers open a shift with a float, record all sales against it, and close with a cash count. The system calculates expected cash and flags variances — no end-of-day surprises.
Discounts & Coupons
Create reusable discount rules — percentage or fixed, order-level or per-product. Issue coupon codes with usage limits and expiry dates. Run time-limited promotions with automatic activation and deactivation.
SMS & Communication
Automatically notify customers when their invoice is ready, payment is received, or order is dispatched — via SMS (Africa's Talking or Twilio). Send balance reminders to customers with outstanding credit.
Security & Access Control
Role-based access so every team member sees only what they need. Optional two-factor authentication (2FA) for all accounts. Sensitive settings require re-verification every 15 minutes. Immutable audit log of every action.
Accept money the way your customers want to pay
SME Manager connects to your own M-Pesa Paybill or Till number — payments go straight into your account, not ours. Add card payments for customers who prefer Visa or Mastercard.
- M-Pesa STK Push — customer gets a payment prompt on their phone, enters PIN, and your sale is auto-completed
- Paybill / Till auto-detection — customer pays your number directly, the sale matches and closes automatically
- Card via Pesapal — Visa, Mastercard, and Airtel Money, paid securely to your own Pesapal account
- Cash, bank transfer, cheque, and store credit — all tracked in one place
- Credit sales — let trusted customers pay later, with running balances and statements
M-Pesa STK Push
Enter the customer's phone number — they receive a payment prompt instantly. The system detects the payment and marks the sale complete. No manual code entry.
M-Pesa Paybill / Till (C2B)
Customer dials *147# and pays your Paybill or Till using the invoice number as reference. The system auto-matches and completes the sale — no cashier action needed.
Card via Pesapal
Accept Visa, Mastercard, and Airtel Money. Customers pay through a secure hosted checkout. Funds go directly to your Pesapal merchant account.
Cash, Bank & Credit
Cash with automatic change calculation, bank transfer with reference tracking, or credit to a customer's running account — all in the same POS flow.
Every module, built properly
Click any area to see exactly how it works for your business.
Point of Sale that keeps up with you
The POS is designed for speed. A cashier can serve a customer, accept M-Pesa, and print a receipt in under 30 seconds.
- Search products by name or SKU — results appear as you type
- Scan a barcode — product added to cart instantly
- Scan the same barcode again — quantity increases by 1
- Select a customer to earn loyalty points and record credit
- Apply a discount code, coupon, or custom discount per line
- Accept M-Pesa STK Push — phone prompt goes out, sale auto-completes on payment
- Split payment — part cash, part M-Pesa on the same sale
- Print to a USB thermal printer or download a PDF receipt
- Process returns: restock or write-off items, issue cash or store-credit refund
Real-time stock, always accurate
Every sale, stock receive, adjustment, and return is reflected instantly. You always know what's on the shelf.
- Add products with name, SKU, barcode, price, cost, category, and unit
- Upload your entire catalogue from Excel, CSV, or ODS — thousands of products at once
- Set a reorder level — receive an email alert when stock runs low
- Create product variants (size, colour, flavour) with individual stock and prices
- Bundle products together and sell as a package — stock deducts from each component
- Manual stock adjustments: write-off, correction, damage, or addition — with reason notes
- Full stock audit trail — every quantity change shows who did it and when
Professional invoices your customers trust
Send polished, KRA-compliant tax invoices by email — and get paid faster with M-Pesa or card collection built in.
- Create an invoice in seconds: select customer, add items, set due date
- Auto-numbered references (INV-00001, INV-00002…)
- Download or email as a PDF with your logo, KRA PIN, and VAT breakdown
- Record partial payments and track the remaining balance
- Invoice statuses: Draft → Sent → Partial → Paid → Overdue
- Receive payment by M-Pesa STK Push or card, directly from the invoice page
- Set up recurring invoices — auto-generated weekly, monthly, or quarterly
- Convert a quote or estimate to an invoice with one click
Payroll that handles Kenya's rules for you
Calculate salaries, deductions, and statutory contributions in minutes — not hours. Generate payslips and P9 forms with a single click.
- PAYE calculated on KRA 2024/25 progressive bands with personal relief applied automatically
- NSSF (Act 2013) — 6% employee + 6% employer, tiered caps per NSSF
- SHIF — 2.75% of gross pay, replacing NHIF
- Per-employee payslip PDF — ready for distribution
- P9 annual tax certificate for every employee — KRA compliant
- Pay employees via M-Pesa with one click per employee
- Selective payment — pay employees one by one; period closes automatically when done
- Auto-payroll — system calculates on your set pay-day; choose how much automation you want
Grow from one shop to many — without losing control
Each branch runs independently but you see everything from one login. Ideal for growing chains and franchises.
- Add unlimited branches under one organisation account
- Each branch has its own inventory, cashiers, sales history, and reports
- Switch between stores instantly — no separate logins
- Cross-store reports: compare revenue, stock, and staff across all branches
- Transfer stock between branches — request → approve → dispatch → receive workflow
- Organisation-level dashboard: see total revenue and expenses across all stores at a glance
- Assign managers to specific branches with scoped access — they only see their store
Know your customers, build loyalty
Your customer list is more than contacts — it's the foundation of repeat business, credit management, and loyalty.
- Customer profiles: name, phone, email, address, purchase history
- Credit accounts: let trusted customers buy now, pay later with a defined credit limit
- Running balance visible to cashier before any credit sale
- Send a clean account statement by email or download as PDF
- Weekly automated payment reminders for customers with outstanding balances
- Loyalty program: award points per KSh spent, redeem against future purchases
- Customer portal: customers log in to view their own invoices and balance
- Returns and refunds: issue cash, M-Pesa, or store credit — all tracked
Compliant with Kenyan regulations — out of the box
No manual workarounds. SME Manager knows Kenyan tax law and calculates everything correctly for you.
PAYE (KRA)
Tax calculated on the current 2024/25 KRA progressive bands. Personal relief of KSh 2,400/month applied automatically. P9 annual forms generated for each employee.
SHIF (SHA)
Social Health Insurance Fund deduction at 2.75% of gross pay — the replacement for NHIF — calculated and included in every payslip.
NSSF (Act 2013)
Employee and employer contributions calculated against the NSSF tiered structure per the 2013 Act. Both deductions shown on every payslip.
VAT (16%)
Mark your business as VAT-registered, enter your KRA VAT number, and set the rate. VAT is calculated and shown on all sales and invoices, with a separate VAT report for filing.
M-Pesa (Safaricom)
Direct Daraja integration using your own Paybill or Till number. Payments confirmed by Safaricom and matched to sales automatically. No third-party in the money flow.
Tax Invoices
Invoices include your business name, KRA PIN, VAT number, item breakdown, VAT amount, and totals — meeting KRA requirements for tax invoices issued to other businesses.
Made for how Kenyan businesses actually work
From the duka on the corner to a chain of supermarkets — SME Manager fits the way you already run things, then makes it faster, clearer, and more profitable.
- Your M-Pesa account Payments go straight to your Paybill or Till — we never hold your money.
- Works on any device Fully responsive — use it on your phone, tablet, or desktop.
- No IT skills needed Simple enough for a first-time user. No training required to start selling.
- One shop or many Start with one store. Add branches as you grow — same account.
- Your data, always Export everything to Excel or PDF at any time. No lock-in.
- Kenya-first support Human support Monday–Friday, 8am–6pm EAT via WhatsApp and email.
The right access for every person on your team
Add your staff and they only see what their role allows — protecting sensitive data and keeping things simple.
| Role | What they do | Settings & Billing |
|---|---|---|
| Owner | Full access to everything — all branches, all data, all settings | ✓ Full access |
| Overall Manager | Same operational access as owner across all branches | ✗ No billing |
| Manager | Manages inventory, staff, sales, expenses, and reports for their branch | ✗ No settings |
| Cashier | Makes sales, views inventory, prints receipts — no changes to stock or settings | ✗ No access |
| Staff | HR and payroll record only — for employees who don't use the system directly | ✗ No access |
Ready to run your business smarter?
Join Kenyan businesses already using SME Manager. Set up takes under 10 minutes — free trial, no card needed.