cashata.com

What It Is

Cashata is a real-time M-Pesa reconciliation tool for businesses in Kenya. Its core goal is to automatically turn every M-Pesa payment received into a traceable business transaction, making it clear who paid, what they paid for, and when. It is especially suitable for small shops, service merchants, and growing store teams that rely on Till, Paybill, Send Money, or STK Push to collect payments.

Core Features and Collaboration

The product focuses on real-time transaction matching: it monitors incoming M-Pesa payments and automatically links them to the relevant customer, order, service, or transaction. The site shows a matching result of “auto-matched today 98.7%,” but does not explain the statistical methodology. For collaboration, owners, clerks, cashiers, and managers can share payment visibility without having to use the same company phone to confirm receipts. Higher-tier plans include daily reconciliation reports, advanced reconciliation rules, and weekly insight summaries, while Professional also includes priority support and insights. On security, the site only states “Secure and encrypted,” without providing more detailed compliance certifications or data governance information.

Pricing and Plans

Pricing is relatively clear, based on monthly subscriptions and transaction-volume tiers. Kiosk is free, with 100 transactions/month, suitable for very small merchants just getting started. Business is USD 10/month, with 500 transactions/month and up to 3 users. Growth is USD 25/month, with 1,500 transactions/month, up to 5 users, plus advanced rules and weekly reports. Professional is USD 50/month, with 5,000 transactions/month, up to 10 users, and priority support. The service says it will notify users before they exceed their limits and help them upgrade. It also supports upgrades and downgrades at any time with prorated billing, which gives it good flexibility.

Pros and Cons

Its strengths are a focused use case, low onboarding barrier, friendly free plan, and native coverage of the M-Pesa collection methods commonly used by Kenyan merchants. For stores that still rely on SMS, phones, or spreadsheets to verify payments, it can significantly reduce the manual effort involved in confirming receipts. The downsides are that the site does not disclose enterprise-grade details such as third-party integrations, an open API, granular permissions, audit logs, compliance certifications, or data residency. AI insights are also still marked as coming soon.

Best Fit and Access from China

Cashata is best suited for small retail shops, service businesses, and multi-cashier teams operating in Kenya with M-Pesa as their main payment collection channel. For Chinese companies, its usefulness is limited unless they have local payment collection operations in Kenya. The available text does not make it possible to assess access from mainland China, and network connectivity or supported subscription payment methods are not disclosed. Alternatives could include the M-Pesa merchant backend, local POS/ERP reconciliation modules, or reconciliation workflows within accounting systems.