Fare Collection
Digital matatu payments via M-Pesa STK push, paybill deposits, PesaLink bank transfers, and USSD passenger menus. Real-time reconciliation with every trip.
Payment rails
Powering Kenya's matatu economy
Digital payments & fleet intelligence for modern PSV operators
LipaKitu connects drivers, conductors, vehicle owners, and SACCOs through M-Pesa, USSD, WhatsApp, and web — turning every fare into actionable fleet finance.
Payments
M-Pesa
STK · Paybill · B2C
Channels
Multi
USSD · WhatsApp · Web
Fleet
Live GPS
Traccar integration
AI
TransPro
WhatsApp assistant
USSD *390#
Daraja API
SACCO Core
Fleet Map
Products
Everything your fleet needs, one platform
From fare collection at the till to AI-powered insights on WhatsApp — LipaKitu is built for the realities of Kenya's matatu and SACCO ecosystem.
Owner Wallets
Vehicle-owner balances, B2C withdrawals, transaction ledgers, and revenue tariffs — full visibility into fleet earnings.
SACCO Integration
Member PIN deposits, savings products, and loan servicing through LipaKitu SACCO Core — bridging fleet income and member finance.
GPS Fleet Tracking
Live vehicle positions via Traccar, geofence alerts, trip classification, and an interactive fleet map for owners and operators.
TransPro AI
Your fleet assistant on WhatsApp — ask about collections, rankings, and vehicle performance in English, Kiswahili, or Sheng.
Fleet Intelligence
Daily rollups, league rankings, trust scores, and SMS alerts — turn raw transaction data into actionable fleet insights.
LipaFuel
Fuel payments at station tills with EPRA-priced quotes, wallet debit, and Fuel Points loyalty — pilot programme for Galana stations.
Operations Portal
Admin tools for drivers, wallets, fuel ops, GPS field work, reconciliation, and TransPro KPIs — full back-office control.
Platform
Built for Kenya's payment rails
LipaKitu v2 runs on a modern Java backend with PostgreSQL, integrated with Safaricom Daraja, PesaLink, Meta WhatsApp Cloud API, and Traccar GPS — designed for reliability at scale.
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✓
M-Pesa Daraja integration STK push, paybill IPN, B2C disbursements via dedicated dispatcher proxy
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✓
PesaLink bank transfers Instant account-to-account payments across Kenya's banking network
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✓
USSD & multi-channel access Passenger and conductor menus on any feature phone — no smartphone required
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✓
WhatsApp Business Cloud API Utility alerts and TransPro conversational AI with session management
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✓
Enterprise-grade security JWT admin auth, OTP login, webhook verification, and encrypted transport
Passenger
→
USSD / M-Pesa
→
LipaKitu
Owner
→
PWA / WhatsApp
→
Wallet
GPS Device
→
Traccar
→
Fleet Map
End-to-end: fare → wallet → insight → action
About
Lipakitu Limited
Lipakitu Limited provides digital payment, fleet-management, and customer-support services for Kenya's public service vehicle industry. We work with matatu owners, SACCOs, and operators to digitise fare collection, improve financial transparency, and deliver real-time fleet intelligence.
Our platform is designed from the ground up for the Kenyan market — M-Pesa-first, Swahili-friendly, and accessible on feature phones via USSD as well as modern smartphones through our progressive web app and WhatsApp assistant.
M-Pesa native
Built on Safaricom Daraja — the payment rail every Kenyan already uses.
Fleet-first design
GPS, intelligence rollups, and league rankings tailored to matatu operations.
SACCO-ready
Integrated savings and lending through LipaKitu SACCO Core API.
AI on WhatsApp
TransPro answers owner questions in the language they speak — no app download needed.
Contact
Get in touch
Whether you're a SACCO, fleet owner, or technology partner — we'd love to hear from you.
Owner Portal
web.lipakitu.co.keCompany
Lipakitu Limited · Nairobi, Kenya