Frequently asked questions

Salio Smart Grow helps Kenyan businesses keep clean records of money they receive. Your M-Pesa and bank payments record themselves automatically, matched to the right customer, with receipts and monthly reports — no accounting knowledge and no typing needed.

Automatically — there is nothing to type or paste. Set it up once under Automatic import, and every payment you receive is recorded the moment it arrives. Only money received is captured: payments you sent, airtime purchases and balance messages are ignored, and duplicates are always skipped.

Two ways, and you can use either or both. (1) Install our free SalioXpress Android app (no ads, made by Salio Smart Grow) on the phone that receives your payment SMS — it forwards them to your account, covering your personal M-Pesa number, Till, Paybill and bank alerts. (2) If you own a Paybill or Till, connect it with your Safaricom Daraja credentials and Safaricom delivers payments directly, with no phone involved.

Yes. Credit-alert SMS from Kenyan banks (KCB, Equity, Co-op, NCBA, Absa, DTB, Family, Stanbic, PesaLink transfers and more) are forwarded and recorded exactly like M-Pesa messages, as long as they reach the phone running SalioXpress. Debit alerts are ignored.

Automatic import records payments from the moment it is switched on, so older payments do not appear by themselves. You can add any of them from the Transactions page using "Record a payment manually" — useful for bringing in a few important past payments, and for cash.

Each payment is matched automatically: first by the payer's phone number, then by the account reference (for Paybill payments), then by exact name. Anything unmatched appears under Transactions → Unmatched, where you assign it with one click — and Salio Smart Grow remembers the phone number so future payments from that customer match automatically. A customer can have several phone numbers (e.g. a personal and a business line).

Yes. On the Transactions page, open "Record a payment manually", enter the amount, date and customer, and it is saved alongside your M-Pesa and bank payments — receipts and reports include it too.

Every payment has a Receipt button that produces a branded receipt showing your business name, the amount, date and reference. Print it or save it as PDF and send it by WhatsApp or email.

Your records belong to you and are visible only after logging in to your account. You can export everything as CSV at any time from the Reports page, so you are never locked in.

Every business gets a free 30-day trial with all features — no payment needed to start. After that it is Ksh 400.00 per month. Pay from the Billing page: enter your Safaricom number and we send a payment request straight to your phone — you just enter your M-Pesa PIN, and access is extended the moment it goes through. You can pay several months at once.

Your data is never deleted. You can still log in, but only the Billing page is available until you pay — the moment your M-Pesa payment lands, everything unlocks again automatically, exactly as you left it.