Frequently asked questions

Salio Smart Grow helps Kenyan businesses keep clean records of money they receive. Paste your M-Pesa confirmation messages or bank credit alerts, and it matches every payment to the right customer, issues receipts, and builds monthly reports — no accounting knowledge needed.

Copy the confirmation SMS messages from your phone (as many as you like at once) and paste them on the Import page. You can also upload an M-Pesa statement CSV exported from the M-Pesa app or Safaricom self-care. Only money received is imported — payments you sent, airtime purchases and balance messages are ignored automatically.

Yes. Credit-alert SMS from Kenyan banks (KCB, Equity, Co-op, NCBA, Absa, DTB, Family, Stanbic, PesaLink transfers and more) can be pasted on the same Import page, one message per line, mixed freely with M-Pesa messages. Debit alerts are ignored.

Yes — two ways, under Import → automatic import. (1) Install our free SalioXpress Android app (no ads, made by Salio Smart Grow): it forwards your incoming M-Pesa and bank payment SMS to your account automatically, covering personal numbers, Tills, Paybills and bank alerts. (2) If you own a Paybill or Till, connect it with your Safaricom Daraja credentials and payments are delivered the moment customers pay — no phone involved. Both record money received only, and duplicates are always skipped.

Nothing — duplicates are detected by the M-Pesa receipt code or the bank transaction reference and skipped, so you can re-paste freely without double-counting.

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, paid via M-Pesa from the Billing page: we send a payment request to your phone (STK push), or you can pay our Paybill directly using your account number. You can also 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.