📱 M-Pesa Integrated 📡 Offline-First 🇰🇪 Swahili Native 📞 Works on Any Phone

KahawaPay

Kahawa (coffee) + Pay — simple payments for cooperatives

End the paper chaos. Bring transparency, speed, and trust to your coffee cooperative — from cherry delivery to M-Pesa payment.

Join the Free Pilot →

Kenya's Coffee Cooperatives Are Running on Paper

Around 70% of Kenya's coffee is produced by smallholder farmers organized through cooperatives — yet most still rely on handwritten ledgers, carbon-copy receipts, and manual M-Pesa transfers.

800K+
Smallholder coffee farmers in Kenya
3-12 mo
Common wait from cherry delivery to final payment
Most
Cooperatives still rely on manual, paper-based systems
KES 38.4B
Kenya coffee export earnings in 2024
📒

Paper Records Get Lost

Handwritten cherry books and carbon receipts are prone to damage, loss, and disputes. Farmers cannot verify their own delivery records.

Farmers Wait Months for Payment

With no visibility into auction prices, deductions, or payment calculations, farmers lose trust. The #1 complaint: "Where is my money?"

⚖️

Disputes Over Deliveries & Grades

Without tamper-resistant records, disagreements between farmers and managers are common and impossible to resolve fairly.

💸

Manual M-Pesa Payments = Errors

Typing phone numbers and amounts for hundreds of farmers one-by-one leads to mistakes, duplicate payments, and missing transfers.

📊

No Compliance Capability

The Coffee Act 2023 and Cooperatives Bill 2024 demand better governance and transparency — paper records can't deliver this.

🔒

Opaque Deductions Erode Trust

After milling, marketing, and management deductions, farmers rarely see a clear breakdown of what was taken and why — eroding trust in the system.

One App. From Cherry to Payment.

KahawaPay digitizes the entire cooperative workflow — replacing paper with a simple mobile tool that works offline, pays via M-Pesa, and keeps every farmer informed.

🌿
Farmer Delivers Cherry
📱
Manager Records on Phone
⚖️
Weight & Quality Logged
💰
M-Pesa Pays Farmer
✉️
SMS Receipt Sent
📊
Reports Auto-Generated
🪪

Member Registration & Digital ID

Register every member with name, national ID, phone number, and factory assignment. Searchable, accurate, always available.

📦

Delivery Tracking

Record every cherry delivery — weight, date, quality notes — with running totals per farmer per season. Replaces the paper cherry book.

Works Offline!

Quality Grading Records

Track quality grades from factory to mill. Link grades back to individual farmers for the first time — enabling quality-based payments.

🧮

Automatic Payment Calculation

Enter the per-kg rate and the system calculates every farmer's payment with itemized deductions. Transparent. Auditable. Error-free.

📲

M-Pesa Bulk Disbursement

Pay hundreds of farmers with one click. Integrated M-Pesa sends payments directly to each farmer's phone. No more typing numbers manually.

💬

Farmer SMS Notifications

Farmers receive instant SMS when their delivery is recorded and when payment is sent — with full details. Works on any phone.

📋

Financial Reports & Compliance

Generate reports for the board, auditors, and regulators. Season summaries, payment breakdowns, per-factory analysis — all exportable.

📈

Manager Dashboard

See total collections, payments disbursed, member stats, and outstanding balances at a glance. Run your cooperative with confidence.

Simple Enough to Replace Paper, Not Add Complexity

Three everyday scenarios showing how KahawaPay works for managers and farmers.

🅰️ Manager Records a Delivery
Farmer arrives at the factory with cherry harvest
Manager opens KahawaPay on their phone (works without internet)
Searches farmer by name or member number
Enters weight (kg) from the scale and any quality notes
Taps "Record" — delivery is saved instantly
Farmer receives SMS: "Delivery confirmed: 48kg cherry on 15 Jan. Season total: 312kg."
Data syncs automatically when connection is available
🅱️ Cherry Advance Payment Run
Manager opens Payment section in KahawaPay
System shows all farmers with recorded deliveries and calculated advance amounts
Manager reviews deductions (milling, levies, prior advances) — all itemized
Approves payment batch with one tap
M-Pesa disburses advances to farmers automatically
Dashboard updates: payment status for each farmer (sent, confirmed, failed)
Note: Final settlement follows the seasonal milling-auction cycle
🅲 Farmer Checks Their Records
Farmer receives SMS after every delivery and every payment
SMS includes: kg delivered, payment amount, itemized deductions
For more detail: farmer can query via USSD on any basic phone
No smartphone needed — works on the simplest handset

The Impact of Going Digital

For farmers, for cooperatives, and for the industry.

Significantly
Faster payment processing
100%
Audit trail for every delivery and payment
Automated
M-Pesa disbursement — no manual entry

🌾 For Farmers

  • Transparent payment breakdowns — see exactly how your payment was calculated
  • SMS confirmation of every delivery — proof on your phone
  • Faster payments — no more waiting months in the dark
  • Verifiable records reduce disputes with management
  • Works on any phone — no smartphone required

🏢 For Cooperatives

  • Hours of admin work replaced by one-tap digital recording
  • Fewer payment disputes — records are transparent and tamper-resistant
  • Automated M-Pesa payouts eliminate manual transfer errors
  • Instant reports for board meetings, AGMs, and audits
  • Better governance builds member trust and retention

📜 For Regulatory Compliance

  • Aligned with Coffee Act 2023 transparency requirements
  • Supports Cooperatives Bill 2024 governance standards
  • Digital records ready for auditors and County Cooperative Officers
  • Exportable reports meet Nairobi Coffee Exchange standards

Try KahawaPay Free for 3 Months

We're looking for 3-5 forward-thinking cooperatives in the Nyeri and Kirinyaga region to join our pilot program.

🤝 Join the KahawaPay Pilot

No cost. No risk. Just better cooperative management.

💬 Chat with Us on WhatsApp

What You Get

  • Full KahawaPay software — all features, no limits
  • Free on-site training for your staff
  • Dedicated WhatsApp support
  • Help migrating your member records
  • Free SMS credits for farmer notifications

What We Ask

  • Honest feedback on the software
  • Permission to use anonymized usage data
  • A short testimonial if you're satisfied
  • Willingness to try digital workflows

Simple, Affordable Pricing

Priced to pay for itself through reduced errors and saved admin time. Less than the cost of hiring one extra clerk.

Starter
≤200 farmers
KES 7,500
per month
  • All core features
  • 1 factory
  • 500 SMS/month included
  • M-Pesa disbursement (1.5%, capped at KES 50/txn)
  • Email support
Enterprise
Unlimited farmers
KES 25,000
per month
  • All core features
  • Unlimited factories
  • 5,000 SMS/month included
  • M-Pesa disbursement (1.5%, capped at KES 50/txn)
  • USSD access for farmers
  • Dedicated support
  • Custom reports

All plans include a free 3-month pilot period. M-Pesa disbursement at 1.5% (capped at KES 50/transaction). Pilot pricing — rates may change based on cooperative feedback.

Built by AxiomLoops

Technology That Works Where It Matters

AxiomLoops is a technology company focused on building impactful software for underserved markets. We believe that world-class technology shouldn't be reserved for Silicon Valley — it should work just as well at a coffee factory in Nyeri.

Founded by Dorus van der Kroft, an experienced software developer with a deep understanding of building reliable systems. KahawaPay is built on the principle that the best technology is invisible — it simply makes work easier.

Our mission: bring modern, affordable, and reliable software tools to cooperatives across East Africa.

KahawaPay — Malipo Rahisi kwa Vyama vya Ushirika

🔴 Tatizo

Vyama vingi vya ushirika vya kahawa bado vinatumia vitabu vya karatasi kufuatilia mazao na malipo. Wakulima wanasubiri miezi 6-12 kulipwa, na hawajui malipo yao yanahesabiwa vipi. Hii inasababisha migogoro, hasara, na ukosefu wa imani.

🟢 Suluhisho — KahawaPay

KahawaPay ni programu ya simu inayorahisisha kazi zote za ushirika:

  • Usajili wa wanachama — kumbukumbu za kidijitali za kila mkulima
  • Ufuatiliaji wa mazao — rekodi kila uwasilishaji wa kahawa (inafanya kazi bila mtandao!)
  • Hesabu ya malipo — mfumo unahesabu malipo ya kila mkulima kiotomatiki
  • Malipo ya M-Pesa — lipa wakulima wote kwa kubonyeza mara moja
  • Taarifa za SMS — mkulima anapata SMS kila mazao yanapopokelewa na malipo yanapotumwa
  • Ripoti — ripoti za kifedha kwa bodi, wakaguzi, na serikali

🎯 Mpango wa Majaribio — Bure!

Tunatafuta vyama 3-5 vya ushirika katika kaunti ya Nyeri na Kirinyaga kujaribu KahawaPay bila malipo kwa miezi 3. Unapata programu kamili, mafunzo, na msaada — bure kabisa.

📞 Wasiliana Nasi

Barua pepe: hello@axiomloops.com
WhatsApp: +31 631 278 822
Tovuti: axiomloops.com