Is kodiipay free for tenants?

Yes. Tenants use kodiipay completely free — no subscription, no signup fee. Only a small per-transaction fee is deducted from each rent payment.

How do landlords get paid?

Rent payments are collected into the landlord's kodiipay wallet the moment they succeed and matched automatically to the tenant and unit. Landlords can then withdraw their balance to M-Pesa or their registered bank PayBill (minimum KES 100, requires approved KYC).

Yes. kodiipay uses AES-256 encryption, TLS 1.3, biometric app lock, device limit control, and email OTP two-factor authentication. The platform complies with the Kenya Data Protection Act, 2019.

Can I try kodiipay before paying?

Yes. The Free plan includes a trial period with full access to properties and units at KES 0. No credit card required. Upgrade only when you need more.

Coming Soon on PlayStore

•Subscribe on YouTube to get notified when it drops →

For Tenants

Manage Rent & Money
From Your Phone

Pay rent, top up your wallet, request maintenance, and build your rental reputation — everything you need as a modern tenant.

Feature

Pay Rent Instantly

See what you owe, tap the bill, and pay in seconds. Each rent card shows the property, unit, due date, overdue days, penalty, and full fee breakdown before you confirm.

Each rent card shows property photo, unit label, billing month, due date or days overdue
View total due, balance remaining, and a full breakdown of rent, water, electricity, service, garbage, and penalties
Choose M-Pesa STK Push, Paybill, M-Pesa Till, or wallet balance and pay with one tap
If your wallet is low, STK top-up can fire automatically so rent is paid without extra steps
Receipts and payment history remain available after the payment is completed

Feature

Top Up Wallet with M-Pesa

Your wallet is where rent and other payments are funded, so you can top it up in seconds with an M-Pesa STK push and have the money available instantly.

Make sure your M-Pesa phone number is saved in your Profile before you start
Go to Wallet, tap Top Up, and enter the amount you want to deposit (minimum KES 100)
An M-Pesa STK prompt appears on your phone and you confirm with your M-Pesa PIN
Once confirmed, the funds appear in your wallet instantly and are ready for rent or transfers
Every top-up is logged in your transaction history for easy tracking

Feature

Send & Request Money

Transfer funds to any kodiipay user instantly — split rent with roommates, send money to family, or settle shared bills.

Search recipient by phone number or name
Add an optional note to every transfer
Request money from any kodiipay user with approval workflow
Recipient gets an instant in-app and push notification
Approved requests deposit to your wallet immediately
Full transaction history with timestamps for both sides

TENANT_MODULE.EXT

Additional capabilities

10 MODULES

TEN-01

Saved Contacts

Every person you send money to is automatically saved. One-tap transfers to your most frequent contacts — no re-entering phone numbers.

›Auto-saves all transfer recipients
›Most-used contacts sorted to top
›View past transaction history per contact

TEN-02

Request Maintenance

Report property issues in seconds — attach photos, set priority, and track repair progress from submission to completion.

›Categories: plumbing, electrical, structural, and more
›Attach multiple photos to show the issue clearly
›Set priority: Low, Medium, High, or Emergency
›Landlord gets instant notification

TEN-03

Direct Chat with Landlord

Communicate securely with your landlord without sharing personal phone numbers. Full message history preserved forever.

›Real-time messaging with read receipts
›Share photos, receipts, and documents
›Push notifications for new messages
›No personal contact details exposed

TEN-04

Instant Withdrawals

Withdraw your wallet balance to M-Pesa or a registered bank PayBill anytime. No waiting, no manual review, no middlemen.

›Minimum withdrawal: KES 100
›Instant processing — money arrives within seconds
›Supports M-Pesa, bank/PayBill transfers, and merchant Till payouts
›KYC verification required to unlock withdrawals

TEN-05

Full Payment History

Every transaction in one place — rent payments, top-ups, withdrawals, and money transfers, all with detailed breakdowns.

›Filter by transaction type (rent, deposits, withdrawals, transfers)
›See amount, date, status, and recipient for each entry
›View overdue days and penalty amounts where applicable
›Download or screenshot records for personal accounting

TEN-06

Build Rental Reputation

Every on-time payment strengthens your rental history. Future landlords review your record when you apply — a clean score opens doors.

›On-time vs late payments tracked automatically
›Penalty amounts and waiver history recorded
›Payment record shared with prospective landlords on your approval
›Pro tip: pay before the due date for a perfect score

TEN-07

KYC Verification

Upload your National ID and a passport-style photo to unlock full account features including rent payments and withdrawals.

›Required: National ID front & back, passport photo
›Optional: proof of address (utility bill, bank statement)
›Typically approved within 1–24 hours
›Rejected documents can be re-submitted with clearer images

TEN-08

App Security (PIN & Biometrics)

Secure every sign-in and transaction with app lock, email OTP, and device-session controls that block unauthorized access before it starts.

›Use biometric unlock with Face ID or fingerprint, plus a 4-digit PIN fallback
›Enable email OTP at sign-in and receive alerts for new devices and suspicious login attempts
›Set a device limit and evict old sessions in real time from your profile
›Every payment and withdrawal requires confirmation and follows server-side validation

TEN-09

Profile Management

Keep your personal information up to date — contact details, profile photo, M-Pesa number, and notification preferences all in one place.

›Update name, email, date of birth, and gender
›Set your M-Pesa number for top-ups
›Upload and change your profile photo
›Manage notification preferences

TEN-10

Referral Program

Share kodiipay with landlords you know and earn a cash reward for every landlord who subscribes to a premium plan.

›Get a unique 20-character referral code in your profile
›Share via WhatsApp, SMS, or any channel
›Earn a cash reward the moment the referred landlord upgrades
›No limit — refer as many landlords as you want

LANDLORD_OPS

Run Your Rental Business Like a Pro

Manage unlimited properties, collect rent instantly, send legal notices, and grow your portfolio — all from one app.

∞

PROPERTIES

CORE FLOWS

01LL-01

Property & Unit Management

Add, organise, and manage unlimited properties and units with a seven-step setup flow, rich property details, photo galleries, amenity toggles, pricing controls, and a dashboard built for day-to-day landlord operations.

Create properties with name, type, county, address, description, GPS coordinates, and year built
Add amenities such as parking, water, electricity, security, WiFi, gym, pool, CCTV, and gated access
Attach a cover photo and gallery for each property, then add unit-specific photos and pricing
Set rent, deposit, water, electricity, service, garbage, and custom charges with the monthly total auto-calculated
Use search, filters, sort options, and property actions to manage your portfolio from one dashboard

02LL-02

Invite Tenants & Auto-Generate Leases

Track and manage tenants from one dashboard with searchable profiles, live rent-status filters, payment histories, and fast tools for recording payments and sending notices.

Search by tenant name, phone number, or property and filter by rent status such as paid, overdue, or due soon
View total, paid, overdue, and due-soon tenant counts in one place
Review tenant payment history, agreements, and account details without leaving the dashboard
Record offline payments and keep balances consistent even when a tenant pays outside the app
Highlight tenants with notices and keep your tenancy operations organised at a glance

03LL-03

Instant Rent Collection

Collect rent with a secure, guided flow that shows every bill, confirms payment status instantly, and keeps receipts in the tenant's history without extra manual work.

Tenants see what is due or overdue and can tap the bill to review the full rent breakdown
Payments can be completed through M-Pesa STK Push, Paybill, M-Pesa Till, or wallet balance based on the landlord's configured method
The app confirms payment instantly and stores a receipt and audit trail for both parties
Scan a receipt's QR code inside the app to verify it instantly — tenants prove they paid, landlords prove they received
Low wallet balances can trigger an automatic top-up flow so rent can still be paid without delay
Every payment is logged with enough detail to keep the ledger accurate and transparent

LANDLORD_MODULE.EXT

Powerful extras

13 MODULES

LL-EX-01

Earnings Dashboard & Analytics

Track all rental income with charts, daily breakdowns, and month-to-month comparisons. Know exactly how your portfolio is performing.

›Monthly earnings visual chart
›Daily breakdown for the last 7 days
›All transactions with amounts, dates, and tenant details

LL-EX-02

Formal Legal Notices

Send legally-recorded notices to tenants through the platform. Delivery and read timestamps serve as proof in disputes.

›Vacate Notice — request a tenant to leave by a set date
›Rent Increase Notice — inform tenant of new rent amount
›Eviction Notice — for non-payment or lease breach

LL-EX-03

Maintenance Tracking

Assign tenant maintenance requests to contractors, track progress through every stage, and verify completion with photos.

›Instant notification when a tenant reports an issue
›View issue photos and priority level set by the tenant
›Assign to a contractor with deadline and cost estimate

LL-EX-04

Direct Tenant Chat

Message tenants directly without exchanging personal numbers. Share photos, documents, and receipts with a full preserved history.

›Real-time messaging with read receipts
›Attach photos, receipts, and documents
›Push notifications for new messages

LL-EX-05

Receive Rent to Your M-Pesa Till

Add your M-Pesa Till (Buy Goods & Services number) as a payout method and receive rent money directly into your merchant wallet — no separate PayBill required.

›Landlords can add an M-Pesa Till number as a payout method in addition to M-Pesa, PayBill, and wallet
›Tenants then pay rent directly to your Till with one tap from the app — the money goes straight to your Till, just like Bank Transfer goes straight to a PayBill
›Same KYC protection and subscription holds apply: if a hold is triggered the rent is safely held in your wallet instead

LL-EX-06