Kenya's Number One Property Management Software

A payment is not a single line in a cash register — it is one event that writes three ledgers at the same instant. The user ledger records every shilling moving through a tenant's or landlord's wallet; the platform float ledger tracks where that money sits between payment and payout; and the company revenue ledger books only what kodiipay itself earns. Because each row also snapshots the balance before and the balance after, the books can never quietly disagree — they reconcile themselves, every time, down to the last cent.

• ✓Every wallet movement writes to the user ledger, the platform float ledger, and the company revenue ledger — each row carrying the exact balance before and after
• ✓Only server-side SECURITY DEFINER routines can move money — the frontend can never touch a balance, even if its security were bypassed
• ✓Every credit, debit, lock, unlock, fee, and reversal is tagged by type and reference, so any penny traces back to the event that created it

A rent schedule is a living bill, not a static row on a spreadsheet. kodiipay itemizes every charge into base rent, water, electricity, service, garbage and other line items, then computes a live balance-due that updates the moment any amount is paid. The schedule watches its own health: it flags invoices as overdue, applies late-payment penalties (with a waiver path when the tenant genuinely can't), and the instant rent clears, it creates the next month's schedule automatically and carries any overpayment forward — so a single shilling is never lost.

• ✓Monthly bills itemized into base rent, water, electricity, service, garbage, and other charges, with a live generated balance-due
• ✓Overdue flags, late-payment penalties, and a penalty-waiver path handled inside the schedule
• ✓Overpayments auto-carry to the next month — a shilling is never lost — and the next month's schedule is created automatically the moment rent clears

Your profit is not computed once at tax time — it is recomputed month by month from what actually happened. kodiipay rebuilds gross revenue, total expenses, net profit and profit margin from paid rent schedules on one side and recorded outflows on the other, so the income statement is always current, never stale. It then rolls that data up into monthly breakdowns, occupancy rates, per-property performance and per-tenant arrears with overdue counts, and lets you apply period filters so you can close any month — or the whole year — in a few taps.

• ✓Gross revenue, total expenses, net profit, and profit margin recomputed month by month from paid rent schedules versus recorded outflows
• ✓Monthly breakdowns, occupancy rates, per-property performance, and per-tenant arrears with overdue counts
• ✓Period filters so you can close any month — or the whole year — in a few taps

Budgets compare against reality in real time, not at the end of the month. Set a budget per category with an alert threshold that warns you before you overshoot, and roll over unspent funds so nothing silently expires. Every expense is captured with a tax-deductible flag and maintenance costs feed straight into the same picture — so the moment a category drifts from its plan, you see it, before it grows into a problem.

• ✓Category budgets with alert thresholds and rollover of unspent funds
• ✓Expense tracking with tax-deductible flags, plus maintenance-cost capture
• ✓Real-time comparison of every category against its plan — you see drift before it grows

Every report this engine produces is a real, shareable document — not just numbers on a screen. kodiipay exports the financial-summary PDF and per-property payment-history PDFs for any date range, and it prints a per-transaction receipt PDF with a unique QR code tied directly to the payment ledger. Because every receipt embeds the M-Pesa transaction ID, what you hold in your hand reconciles perfectly with the real world — no phone number matching, no manual proof, just the fact.

• ✓Financial-summary PDF and per-property payment-history PDFs by date range
• ✓Per-transaction receipt PDFs with a unique QR code tied to the payment ledger
• ✓M-Pesa transaction IDs embedded in every receipt for real-world reconciliation

Your money and kodiipay's money never mix — by design. User funds sit in a platform float while company earnings book into a separate revenue ledger, so an admin can only ever cash out what the business actually earned, never a tenant's balance. Around that core, audit logs and payment-gateway logs capture every state change and every M-Pesa callback, and OTP-gated withdrawals and sends, KYC holds, subscription holds and refund schedules keep every shilling guarded end to end.

• ✓User funds sit in a platform float; company earnings book into a separate revenue ledger — an admin can only ever cash out what the business actually earned
• ✓Audit logs and payment-gateway logs capture every state change and callback
• ✓OTP-gated withdrawals and sends, KYC holds, subscription holds, and refund schedules keep money guarded end to end