Kenya · Retailer operations

Phone Financing & EMI Lock Software for Kenyan Retailers

Sell smartphones on lipa mdogo mdogo with a clear M-Pesa ledger

Kenyan customers already know pay-as-you-go phones from large financing brands. Independent shops on Luthuli Avenue, in Mombasa or in Kisumu can offer the same convenience, but only if every daily or weekly M-Pesa payment is matched to the right account. RecTym connects the KES schedule, the customer and the enrolled Android phone, so your team can act on verified balances.

payments

KES quote

Request a written quote in shillings for your device volume and services.

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M-Pesa receipt matching

Record M-Pesa confirmation codes against installments, including Paybill and Till payments.

language

Kiswahili and English

Agree which language customers receive reminders in before rollout.

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Supported Android devices

Test the exact models and Android versions you finance.

Daily payments need a daily routine

Lipa mdogo mdogo customers may pay KES 50 to KES 200 a day. Small, frequent payments are easy for the customer and hard for the shop to track by hand. Use account numbers on your Paybill so each M-Pesa payment names the right customer, and reconcile the statement before marking an account overdue.

check_circleRecord the handset IMEI, customer ID and KES schedule before handover.
check_circleUse the customer’s account number as the Paybill account reference.
check_circleReconcile M-Pesa statements at the end of each day.
check_circleTest a missed day, a catch-up payment and an authorized unlock on a store-owned phone.

Paybill, Till and personal numbers

Payments to a Paybill with an account number are the easiest to match. Payments to a Till or a staff member’s personal line need manual checks. Decide which channels your shop accepts and write that into the customer agreement.

RecTym records the payments your staff confirm. Mentioning M-Pesa here explains the workflow; ask the team which recording or import options suit your volume.

Regulation, consent and data protection

Businesses offering credit to the public in Kenya should check whether they need a licence from the Central Bank of Kenya, which regulates digital credit providers. Personal data is covered by the Data Protection Act, 2019. Explain device management to the customer before enrollment and take legal advice on your own model.

Bring a practical test plan to your demo

Prepare a store-owned Android phone and a fictional customer on a daily plan. Walk through enrollment, two missed days, a catch-up M-Pesa payment and final release.

Common Questions

Does RecTym work for phone shops in Kenya?expand_more

Yes. RecTym supports phone retailers, distributors and financing businesses in Kenya. Share your device models and monthly volume to receive a KES quote and a demo plan.

Can I run daily payment plans?expand_more

Yes. Set the schedule your customer agreement uses, whether daily, weekly or monthly, and record each confirmed M-Pesa payment against it.

Is there a Kiswahili version?expand_more

A Kiswahili version of this page is available while native speakers review it. Discuss customer-message languages with the team during onboarding.

Does RecTym lend money to customers?expand_more

No. RecTym is software for installment records and enrolled devices. Your business, or its financing partner, owns the credit decision and the customer agreement.

Related Resources

Africa

Plan a Kenya retailer demo

Share your phone models, daily or weekly plans and KES quote requirements. The RecTym team will set up a demo around your M-Pesa routine.

Get Started See How It Works