Built for Kenyan businesses  ·  30-day free trial

Stop paying
bills manually.
Automate your
KPLC Bills

Schedule any recurring payment once. Approve with one tap or auto-fire on the due date. Zero missed bills. KRA-compliant receipts generated automatically.

Start free — 30 days → Sign in WhatsApp

No credit card · No setup fees · Cancel anytime

KCB Buni PesaLink KRA eTIMS CBK Licensed AES-256
<2%
Bill miss rate
After setup
6 hrs
Saved per week
Per business
2 min
First bill setup
Start to finish
30
Day free trial
No card required
Process

Up and running in
under five minutes.

Every step is designed to eliminate work, not create it.

Register your payees

Add every supplier, utility provider, and creditor once. M-Pesa paybill, till, bank transfer — any payment rail Kenya supports.

Set the schedule

Define recurrence — weekly, monthly, quarterly. ShieldPay watches every due date and alerts you three days in advance.

Assign source accounts

Each bill maps to a specific M-Pesa shortcode or bank account. Complete fund-flow visibility before anything moves.

Auto-pay or approve

Per-bill control: fire automatically on the due date via KCB Buni, or require explicit approval from a designated team member.

Receipts generated instantly

Every completed payment produces a KRA-ready receipt and queues an eTIMS invoice automatically.

Source Account Control

Every bill debits
the right account.

Assign each recurring bill to a designated M-Pesa shortcode or bank account. KPLC from shortcode A. Rent from account B. Payroll from account C. Funds move only after KCB Buni returns a confirmed SUCCESS response.

  • Per-bill M-Pesa assignment — each bill mapped to its own Safaricom shortcode
  • Bank account per bill — KCB or PesaLink, different funding accounts per obligation
  • Live ledger view — real-time balance tracking and debit history per account
  • Debit only after API SUCCESS — no pre-deduction, funds move on confirmed execution
5 bills · 3 source accounts Live
KPLC Electricity M-Pesa Float · 0712 XXX XXX
KES 8,400
Office Rent KCB Business Account
KES 45,000
Staff Payroll M-Pesa Float · 0712 XXX XXX
KES 180,000
Food Supplier Equity Bank · 78XXXX
KES 22,000
NHIF · 20 staff M-Pesa Float · 0712 XXX XXX
KES 16,000
Monthly recurring total KES 271,400
Industries

Built for every
Kenyan industry.

Restaurants & Hospitality

  • Kenya Power (KPLC)
  • Gas & LPG suppliers
  • Food & produce vendors
  • Rent & service charge
  • NHIF & NSSF contributions

Logistics & Haulage

  • Fuel depot payments
  • Vehicle insurance premiums
  • NTSA licensing & compliance
  • Driver payroll disbursements
  • Tyre & parts suppliers

Retail & Wholesale

  • Stock & inventory suppliers
  • Rent & utility bills
  • Kenya Power accounts
  • Staff wages & allowances
  • KRA tax obligations

Healthcare Facilities

  • Medical supply chains
  • NHIF employer contributions
  • Property rent & rates
  • Clinical staff payroll
  • Equipment lease payments

Schools & Colleges

  • Teaching staff payroll
  • Kenya Power & water bills
  • Stationery & lab suppliers
  • KRA compliance filings
  • Board & facility costs

Property Management

  • Security firm contracts
  • Cleaning crew payroll
  • Utility bill management
  • Maintenance contractors
  • KRA rental income tax

Industry not listed? WhatsApp us — any business with recurring payments qualifies

Nairobi· Mombasa· Kisumu· Nakuru
Platform

Everything your
finance team
actually needs.

One flat subscription. Unlimited bill schedules. Every Kenyan payment rail. Full KRA compliance. Zero per-transaction charges — ever.

Finance team at work

Scheduled Bill Automation

Define any recurrence pattern. ShieldPay executes on time, every time, with zero manual intervention.

Approval Workflow

Per-bill control. Auto-pay routines, require approval for large transfers. Both modes run simultaneously.

M-Pesa & PesaLink

Direct KCB Buni API for M-Pesa paybill, till, and B2C. PesaLink for bank-to-bank transfers to any Kenyan bank.

Source Account Ledger

Map each bill to a specific M-Pesa line or bank account. Every debit, balance, and timestamp in real time.

KRA & eTIMS Compliance

Tax invoices generated automatically per payment. eTIMS integration queues submissions to KRA. CSV exports ready for filing.

Full Audit Trail

Immutable log of every payment event — who requested, who approved, when it executed. Dispute-proof and CBK-compliant.

The difference

Manual payments
vs ShieldPay

Feature Manual today With ShieldPay
Time to pay 10 bills 4–6 hours monthly Under 10 minutes
Risk of missed payments High — human error Automated alerts & execution
Approval workflow WhatsApp chains One-click in-app
KRA receipts Manual, inconsistent Auto-generated per payment
Audit trail Spreadsheets & inboxes Immutable timestamped log
Source account visibility None Per-bill debit ledger
Compliance & Security

Regulated infrastructure.
Kenyan compliance.

ShieldPay does not custody funds. Every payment flows through licensed, regulated Kenyan payment rails. We automate the instruction. The bank executes it.

KCB Buni API

Direct integration with KCB Group's official Buni payment API. Sandbox-certified and production-approved for all M-Pesa and bank payment types.

Stanbic PesaLink

Bank-to-bank transfers via PesaLink. Every major Kenyan commercial bank covered — Equity, Co-op, Absa, NCBA, DTB, and more.

CBK Compliance

All payment channels operate under Central Bank of Kenya licensing and regulatory oversight. No shadow accounts, no wallets.

KRA eTIMS

Automatic tax invoice submission to Kenya Revenue Authority after every executed payment. Filing-ready exports always available.

AES-256 at rest

All data encrypted at rest using AES-256. TLS 1.3 for all data in transit. No credentials stored in plain text — ever.

Kenya DPA 2019

Full compliance with Kenya's Data Protection Act. Data processed on Kenyan servers. Never shared beyond payment execution purposes.

ShieldPay never holds your money. Funds move directly from your designated account to your supplier via KCB Buni or PesaLink. We control the schedule. The regulated bank controls the money.

Integrations

Connects with your
accounting stack.

Bills import automatically. Receipts push back as reconciled entries. No manual data entry at any step.

QB

QuickBooks Online

Open bills import every 10 min. Payments reconcile back as closed entries automatically.

ZB

Zoho Books

Connect your Zoho Kenya organisation. Bills in, receipts out — automatically.

XL

Microsoft Excel

Upload any .xlsx — columns mapped, schedules created in seconds. No reformatting.

eTIMS

KRA eTIMS

Tax invoices auto-submitted to Kenya Revenue Authority post-payment. Always compliant.

How accounting sync works

01
Auto-Pull

Open bills imported every 10 minutes from QuickBooks or Zoho without any manual action.

02
Review

Accept in one click, or auto-accept for verified payees you've whitelisted.

03
Reconcile

Paid receipt pushed back as a reconciled, closed entry — zero data entry required.

Pricing

Flat fee.
No surprises.

One subscription. Unlimited bills. Zero per-transaction charges. Ever.

Solo Branch
KES 4,499/month

One location. Every feature included.

  • Single business location
  • Unlimited bill schedules
  • M-Pesa + PesaLink payments
  • Source account per bill
  • KRA receipts auto-generated
  • eTIMS integration
  • QuickBooks / Zoho / Excel
  • Up to 5 team members
  • 30-day free trial
Start free trial
Most popular
Multi Branch
KES 8,999/month

Multiple locations. One dashboard.

  • Multiple business locations
  • Everything in Solo Branch
  • Auto-pay on due date
  • Cross-branch ledger view
  • Advanced payment analytics
  • Up to 20 team members
  • Priority support channel
  • Dedicated account manager
  • 30-day free trial
Start free trial
Enterprise
Custom

Large groups and franchises.

  • Unlimited locations
  • Everything in Multi Branch
  • Unlimited team members
  • REST API access
  • SLA with uptime guarantee
  • On-site onboarding & training
  • Custom integration development
Talk to us

30-day free trial on all plans · No credit card required

★★★★★   5.0 / 5.0  ·  verified
"ShieldPay made paying our suppliers effortless — we haven't missed a single bill since."
JK
John Kamau Nairobi Eats
★★★★★   5.0 / 5.0  ·  verified
"The eTIMS integration alone saves us days of manual work every month. Our accountant loves it."
SN
Sarah Njeri Swift Logistics Kenya
Blog

Insight for Kenyan
finance teams.

Practical writing on payment operations, compliance, and building efficient finance processes.

Operations · 6 min read

Why Kenyan SMEs Miss Payments — and the Hidden Cost Nobody Talks About

Late KPLC bills mean disconnections. Missed NSSF contributions attract penalties. The true cost of manual payment management goes well beyond the late fees.

March 2025 Read →
Product · 5 min read

Source Account Control: Why Knowing Which Account Funds Each Bill Matters

Most payment platforms send money from a single account. ShieldPay assigns each bill to a specific shortcode or bank account — giving finance teams real cash flow visibility.

February 2025 Read →
Payments · 8 min read

KCB Buni and Stanbic PesaLink: The Infrastructure Behind ShieldPay Payments

Every ShieldPay payment runs through regulated Kenyan payment rails — not a wallet, not a float account. Here is a technical breakdown and why it matters.

January 2025 Read →
Contact

Let's talk about
your payments.

Tell us which bills consume the most time each month and we'll show you how to automate them. Response within one hour, guaranteed.

WhatsApp — fastest response 0715 800 397
Email [email protected]
Response time < 1 hour · Weekdays 8am – 8pm EAT

Send a message

Every submission lands directly in our inbox.

Get started today

Automate your bills
in 30 days free.

Set up your first recurring payment in under two minutes. No credit card. No contracts. Cancel whenever.

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KCB Buni  ·  Stanbic PesaLink  ·  KRA eTIMS  ·  CBK Licensed  ·  Kenya DPA 2019