Invoicing · Water · Waste · Property
Everything you bill, collect and chase, on one ledger.
Four products on one billing engine: invoices for any business, metered water billing for schemes and projects, flat-fee billing for waste collection rounds, and rent billing for let property. Raise it, collect it by M-Pesa, card or bank, and chase whoever hasn’t paid.
- Four products, one ledger
- Invoicing, water billing, waste collection billing and property management - sold apart, run together
- 1,000 accounts a run
- A whole scheme or round priced, billed and posted in a single cycle
- M-Pesa, card, bank, cash
- However it arrives, it reconciles to the same invoice
Who runs on Zana
Four jobs, and Zana does all four properly
A water scheme reading meters, a waste collector running a round, a landlord billing rent, or any business sending invoices. Pick yours and see exactly how the cycle runs.
Water Billing
Water schemes, projects & SACCOs
Metered water on a tiered tariff, with arrears tracked by zone and route.
Waste Collection Billing
Waste collection companies
Household and commercial rounds billed a flat fee on a fixed cycle.
Property Management
Landlords & managing agents
Rent, service charge and submetered water billed per unit, with a statement per owner.
Invoicing
Anyone sending invoices
Branded invoices with an M-Pesa or card pay link, reconciled against your paybill.
The four products
Buy one. Or run all four on one ledger.
Invoicing is always on. Add Water Billing for metered connections, Waste Billing for collection rounds, or Property Management for let units - each with its own accounts, tariffs and billing runs, all sharing the same customers, ledger and follow-ups.
Invoicing & Payments
Invoicing
Create branded invoices, collect by mobile money or card, and reconcile every shilling - including the ones that land in your bank.
- PDF invoices with secure pay links
- M-Pesa STK push and card payments
- Bank and paybill payments reconciled from statements
- Recurring billing plans
Metered water
Water Billing
Register every connection, capture readings in the field, apply tiered tariffs, and post a whole scheme in one billing run.
- Connections with zones, routes and categories
- Tiered tariffs and standing charges
- Offline field readings with meter photos
- Arrears aged by zone, disconnection lists
Waste collection
Waste Billing
Charge every household and business on the round the same fee on the same cycle - no meter to read, and nobody typed an invoice.
- Flat collection fees by customer category
- A whole round billed in one run
- M-Pesa collection and paybill reconciliation
- Reminders and arrears for the ones behind
Rent & tenancies
Property Management
Bill every let unit on the same day, recover the water and service charge it used, and tell each owner exactly what their property earned.
- Properties, units and tenancies with deposits held
- A rent run that bills a whole property at once
- Owner statements with your commission taken off
- Arrears aged, late fees charged once, notices served
Reconciliation
However the money arrives, it lands on one ledger
Most of what you are owed never touches a pay link. It arrives in your paybill, your till or your bank, often with no reference on it at all.
- TJ41K8QW2P John Kamau KES 12,400 →
- INV-202608-2041 Mwangi Hardware Ltd Matched on phone number
- TJ39B2LM7X ACC 4471 STO ORDER KES 3,500 →
- ACC-4471 Grace Wanjiru Matched on account ref
- TJ38Z0PQ5R Cash deposit KES 9,000
- No reference on the deposit Needs your review
212 matched automatically
Upload the statement your bank or paybill already gives you. Zana reads every deposit, proposes the invoice it settles, and leaves the ones it can’t prove for a person to decide.
Everything you need
From invoices to meter reads
Zana covers the whole billing cycle - raising it, collecting it, chasing it and reading the meter - without switching tools or tabs.
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Professional invoices
Build branded invoices with line items and due dates. Send them by email with a PDF attached and a pay link inside.
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M-Pesa & card payments
Customers tap the pay link and approve the M-Pesa prompt on their phone, or pay by card. No app to install, no account to create.
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Supplier payouts
Send money out, not just in. Pay suppliers, vendors, or staff to mobile money or bank accounts - with approvals and limits you control.
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Recurring billing
Put repeat customers on a schedule. Zana raises and sends each invoice automatically, on time, every cycle.
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Bulk SMS & WhatsApp
Deliver bills and payment reminders over SMS or WhatsApp. Reuse templates, send to a whole zone or round, and track delivery per customer.
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Water and waste billing
Capture meter readings, apply a tiered water tariff or a flat waste collection fee, and post every account in one billing run.
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Receipts, instantly
Every payment triggers a PDF receipt, emailed to your customer the moment it clears - without you lifting a finger.
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Automatic reconciliation
Payments match themselves to invoices through secure webhooks. Balances and statuses update the moment money lands - partial payments included.
AI, done right
AI that works with you, not instead of you
We carefully augment your team with AI to speed up output and keep accuracy high - automating the busywork while keeping human judgment exactly where it matters.
- Augment, don’t replace
- AI drafts the invoice, the reminder, the summary - your team reviews and approves. You stay in control of every send and every posting.
- Automate the boring
- Reconciliation, payment reminders, data entry, and report drafting run themselves, so your team spends its time on the work that actually needs a person.
- Accuracy by design
- Every suggestion is grounded in your own data and surfaced for a human to confirm - nothing is sent or posted until you say so.
- In every product
- Assistants are built into invoicing, water billing, waste billing and property management - not bolted on as a separate chatbot you have to learn.
Built for Kenya
Local by default, not by configuration
The currency, the payment rails, and the sign-in are all set up the way Kenyan businesses actually work.
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Kenya Shillings
Price and collect in KES - the currency your customers actually use.
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M-Pesa-native
Built around how Kenyans actually pay - an STK prompt on the phone, not a card form.
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Passwordless sign-in
Your team signs in with Google or a one-time email code. Nothing to forget, nothing to leak.
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Your brand, everywhere
Your logo and details on every invoice, receipt, and pay page your customers see.
FAQ
Questions, answered
01 What kind of business is Zana for? +
Four jobs. Water schemes, community projects and private suppliers billing metered connections; waste collection companies billing households and businesses on a round; landlords and managing agents billing rent on let units; and any business that sends invoices and needs them paid and reconciled.
02 Can I buy just one of them? +
Yes. Invoicing works on its own. Water Billing, Waste Billing and Property Management each add their own accounts, tariffs and billing runs on top of it - take one, some, or all of them. Everything you take shares one customer list and one ledger.
03 What is the difference between Water Billing and Waste Billing? +
The charge. Water is metered: you read every connection and price the units on a tiered tariff. Waste is a flat collection fee on a cycle - there is no meter to read. Everything after that is identical: one billing run, M-Pesa collection, reconciliation, arrears and reminders.
04 How does Zana use AI? +
AI assists your team across every product - drafting invoices and messages, flagging suspicious meter reads, and planning collections - while you stay in control. Every suggestion is grounded in your own data and waits for a human to approve before anything is sent or posted.
05 Do my customers need an account? +
No. Customers pay through a secure link - there is no sign-up and no app to install. Only your team signs in to Zana.
06 How do customers pay? +
M-Pesa is the default - the customer opens the pay link and approves the STK push on their phone, with no account or app. Card payments work through the same link. If they’d rather pay into your paybill, till, bank account, or hand over cash, your instructions are printed on the bill and the payment is reconciled back to it.
07 What if a customer pays straight into my bank or paybill? +
Upload the statement and Zana reconciles it. It reads M-Pesa and bank statements as CSV, Excel, or PDF - including scanned ones - pulls out every incoming transaction, and proposes which invoice or billing account each one settles. You confirm or correct the matches, then commit them in one go. Re-uploading an overlapping statement never double-posts a payment.
08 Can I send SMS or WhatsApp notifications? +
Yes. Bills, receipts and payment reminders can be delivered over SMS or WhatsApp, with delivery tracking and opt-out handling.
09 Does Water Billing read meters over the air or vend prepaid tokens? +
No. Zana is postpaid billing. Readings are captured by your readers on their phones - offline if there is no signal - and priced by your tariff. It does not vend prepaid tokens, talk to smart meters, or run hydraulic operations.
10 Does it handle VAT? +
Yes. Set your tax rate (16% by default) and it is applied and clearly shown on every invoice and receipt.
11 Can I bill the same customers every cycle? +
Yes. Water and waste accounts are billed by a run each cycle. For invoicing, recurring plans generate and send invoices on a schedule automatically.
12 Can I send money out, not just collect it? +
Yes. Beyond collecting payments, you can pay suppliers, vendors, or staff to mobile money or bank accounts - with optional approvals and daily limits so you stay in control.
13 Is my data separate from other businesses? +
Every workspace is fully isolated, with its own customers, branding, and payment credentials. You can run several from one login.
Ready to stop chasing payments by hand?
Load your customers, raise your first cycle of invoices, and let Zana collect and follow up on what’s outstanding. Or talk to us and we’ll map it to the way you bill today.