Supply Chain Financial Infrastructure

PayAssure is a platform that automates settlements, reconciliation, and supply chain financing.

We connect manufacturers, retailers, financial institutions, and payment providers to ensure faster settlements, greater financial visibility, and more reliable supply chains.

Money Flow
MManufacturer
RRetailer
CCustomer
PayAssure Engine

Sits in the middle. Manages every flow.

• Money automatically splits

• Trust is verified in real-time

• Settlements execute instantly

Transaction Architecture

Manufacturer

KES 5,500 ↓

Retailer

KES 4,420 ↓

📊

Bank

Paid Automatically ✓

🏦

The Story Behind PayAssure

We Fix Cashflow — Not Payments

Imagine you own a hardware store. Every day customers buy cement, paint, pipes, and steel. Money comes in — business looks good — but at the end of the month your supplier calls asking for payment and the cash is gone.

Some of the money paid salaries. Some paid rent. Some covered transport. Now you have stock to replace but no cash to pay the supplier. You delay payment. The supplier delays the next delivery. Sales slow. You borrow to restock. The cycle repeats.

The problem wasn’t that you weren’t selling — it was that supplier money became mixed with operating money.

How PayAssure Solves It

PayAssure changes how money flows. Instead of waiting until month-end, PayAssure automatically allocates every payment the moment a customer pays. The supplier receives their agreed share. The retailer keeps theirs. Everything is recorded. No manual calculations. No reconciliation headaches. No wondering where the supplier’s money went.

The result: predictable cashflow, consistent supplier payments, and stronger relationships instead of more debt.

PayAssure isn’t another payment app — it’s infrastructure that helps businesses keep cash flowing where it belongs.

Trusted by High-Volume Supply Chains

Manufacturers and retailers depend on PayAssure

A platform built to automate the financial rails behind inventory, payments, credit, and reconciliation.

Automated Settlements
Supply Chain Financing
Intelligent Reconciliation
Retailer Trust Scores
Secure Payment Infrastructure

Retail Credit Crisis

The Cost of Delayed Payments

Major retail failures in Kenya exposed the financial risks of inefficient settlement and credit management. When large retailers collapsed, manufacturers and suppliers were left waiting for billions of shillings in unpaid invoices, disrupting cash flow across the supply chain.

KSh 30 - 35.8B

Estimated debt linked to the Nakumatt collapse, affecting suppliers, lenders, and other stakeholders.

KSh 40B+

Estimated supplier exposure from delayed and unpaid trade credit across Kenya's retail sector.

Why It Matters

Without real-time visibility into settlements and receivables, businesses face increased financial risk, reduced liquidity, and slower growth.

Kenya's retail sector has experienced billions of shillings in supplier losses due to delayed payments and retail failures. PayAssure is building the infrastructure to improve settlement transparency, reduce reconciliation delays, and strengthen trust across the supply chain.

PayAssure helps businesses reduce settlement risk.

Our platform gives manufacturers, distributors, and retailers a secure way to automate collections, reconcile payments, and improve visibility into outstanding balances—helping businesses make faster, more informed financial decisions.

The Crisis

30–90 day payment delays destroy supply chains

Retailers collect money immediately. Manufacturers bear all the financial risk. This creates payment delays, cash flow shortages, lost revenue, and limited access to financing.

Issue

Delayed Payments

Issue

Manual Reconciliation

Issue

Credit Risk

Issue

Poor Visibility

Issue

Financing Barriers

One Platform. Three Layers.

How PayAssure Works

A unified platform that protects manufacturers, retailers, and financiers through instant settlement, cash float guarantees, and finance automation.

Layer 1

Instant Digital Split

When customers pay digitally using M-Pesa, cards, or QR payments, PayAssure automatically splits revenue. Manufacturer receives payment immediately, with no waiting, no manual reconciliation, and no credit risk.

Layer 2

Daily Float Guarantee

For cash sales, the retailer maintains daily float while PayAssure tracks transactions and runs end-of-day settlement automatically. Manufacturers still get paid even when customers pay cash.

Layer 3

Supply Chain Finance

Banks finance inventory, manufacturers are paid on dispatch, retailers receive stock without traditional collateral, and PayAssure automates collection and repayment.

Industries

Built for every supply chain

From supermarkets to hospitals, PayAssure supports industries that need fast payment flow, inventory visibility, and trusted financing.

Retail

Supermarkets and merchants

Pharmacies

Medicine supply chains

FMCG

Manufacturers and distributors

Hospitality

Hotels and food businesses

Healthcare

Hospitals and clinics

Wholesale Distribution

Multi-branch operations

How It Works

Transaction flow across the supply chain

1
Customer Purchase

A customer initiates a purchase at retail or wholesale checkout.

2
POS / ERP

Point-of-sale or ERP systems capture transaction details in real time.

3
PayAssure Engine

The platform validates, splits, and routes payment flows instantly.

4
Settlement Layer

Funds are prepared for settlement across manufacturers, retailers, and banks.

5
Manufacturer Wallet

Manufacturers receive settlement notifications and instant balances.

6
Retailer Wallet

Retailers get financed, reconciled, and ready for the next order.

7
Bank Collection Engine

Banks manage repayment and monitor supply chain finance exposure.

8
Reports & Analytics

Stakeholders access actionable visibility across every transaction.

Instant Splits

See Money Split in Real-Time

Every transaction is instantly verified, split, and settled. No delays. No manual reconciliation.

Customer Payment

KES 10,000

💳

PayAssure Processing Engine

Verification • Split • Settlement

Manufacturer

KES 5,500

✓ Instant

Retailer

KES 4,420

✓ Verified

PayAssure

KES 80

✓ Fee

✓ All settlements complete in 24 hours

PayAssure Fee

A simple 0.8% transaction fee for trusted settlement.

PayAssure charges a transparent 0.8% fee on transactions, giving businesses a low-cost path to faster settlement, better cash flow, and stronger supplier relationships.

Transparent pricing

No hidden costs—only a predictable, low fee that makes it easier to manage working capital.

Faster reconciliation

Automated fee processing helps clear transactions faster and reduces manual overhead for finance teams.

Built for trust

A low fee keeps the platform accessible while supporting the reliability and security businesses need for settlement operations.

Supply Chain Ecosystem

PayAssure at the Center

🔄

PayAssure

Financial Intelligence Engine

🏭

Manufacturers

  • ✓ Paid instantly on order
  • ✓ Automatic collection from retailers
  • ✓ Access to supply chain financing
  • ✓ Transparent payment tracking
🏪

Retailers

  • ✓ Trust-based financing offers
  • ✓ Extended payment terms
  • ✓ Real-time cash flow visibility
  • ✓ Supplier performance insights
🏦

Banks

  • ✓ Verified transaction data
  • ✓ Reduced credit risk
  • ✓ Automated repayment settlement
  • ✓ New lending opportunities
🏢

Large Enterprises

  • ✓ Unified supply chain visibility
  • ✓ Automated reconciliation
  • ✓ Risk monitoring & compliance
  • ✓ Custom integration support

3-Layer Foundation

Enterprise Architecture

PayAssure's 3-layer architecture handles instant settlements, daily float, and supply chain financing.

💰

Layer 3: Supply Chain Finance

Working capital powered by verified transaction data

📊

Layer 2: Daily Float Management

Real-time cash positioning and optimization

Layer 1: Instant Settlement

Atomic splits and trust-based payments

Enterprise Capabilities

Built for operational scale and financial certainty

Payment Orchestration

Automatic revenue splitting.

Settlement Automation

Real-time and end-of-day settlements.

Reconciliation Engine

Automated ledger matching.

Trust Scoring

Behavioral and transaction-based scoring.

Supply Chain Finance

Working capital powered by verified data.

Batch Tracking

Product-level and batch-level visibility.

Risk Monitoring

Alerts and fraud detection.

Compliance

Audit trails and regulatory support.

Supply Chain Intelligence

PayAssure creates a digital financial identity for your business

A unique trust layer that turns transaction data into credit intelligence, risk monitoring, and supply chain health insights.

Trust Scores

A score built from payment history, behaviour and risk patterns.

Reliability Scoring

Operational reliability backed by real-time data.

Risk Monitoring

Alerts for anomalies, delays, and payment gaps.

Supply Chain Health Index

A composite view of liquidity, inventory, and trust.

Revenue-Based Financing

Financing offers that reflect actual revenue performance.

Behavioral Scoring

Trust Score: Your Supply Chain Reputation

Retailer Trust Score

87

Excellent

Based on payment history, transaction volume, and settlement performance

Unlock These Benefits

📉

Lower Float

Reduce cash tied up in inventory

💳

Better Financing

Access higher credit limits at lower rates

Faster Settlements

Get paid in 24 hours instead of 30–90 days

Preferred Access

Priority support and custom integrations

Settlement Savings Calculator

Estimate PayAssure savings for your business

Enter a few numbers to see an illustrative, conservative estimate of time and operational savings. These estimates are for illustration only and may vary by business.

Labour Savings

KES 16,000

32 hrs/month

Reduced Bad Debt

KES 20,000

Based on credit sales and bad debt reduction

Interest Cost Savings

KES 25,714

From improved settlement → lower working capital need

Payment Error Reduction

KES 20

Less manual loss / processing errors

Estimated Monthly Impact

KES 61,734

Estimated Annual Impact: KES 740,811

ROI (vs monthly fee): 309% · Payback: 0.3 months

Need help understanding the terms?

These estimates are illustrative and depend on your inputs. Use them to start a conversation — we can provide a tailored analysis for your business.

Enterprise Security

Bank-grade controls for payments and data

Data Security

AES-256 encryption

Access Control

Role-based permissions

Audit Trails

Immutable records

Regulatory Compliance

ODPC alignment

Settlement Monitoring

Real-time tracking

Integrations

Connect to your existing systems

PayAssure integrates with the tools you already use.

You don't need expensive point-of-sale hardware to use PayAssure. A smartphone is often all that's required — use a barcode scanning app or a mobile POS application to scan products and accept payments. PayAssure automatically allocates funds between retailers, suppliers, and other stakeholders.

For businesses that already have a POS system, PayAssure integrates seamlessly with existing workflows. And not every sale happens in a physical store — whether purchases come through an e-commerce website, a mobile app, social commerce, or another sales platform, PayAssure can integrate as long as the platform provides transaction details and payment information.

Wherever a payment happens, PayAssure ensures the right people are paid automatically.

Supported Integrations

M-Pesa

Integrate via API or connector

Banks

Integrate via API or connector

POS Systems

Integrate via API or connector

ERP Systems

Integrate via API or connector

Accounting Platforms

Integrate via API or connector

Supports custom connectors, webhooks, and file-based imports.

Roadmap

A clear growth path from launch to market expansion

Phase 1

Core Settlement Platform

Phase 2

Trust Scoring

Phase 3

Supply Chain Finance

Phase 4

Regional Expansion

Phase 5

Credit Marketplace

Mission

Create a supply chain where manufacturers are paid on time.

Retailers access financing fairly. Financial institutions recover capital efficiently. Everyone benefits from trust and transparency.

Vision

Building Africa's financial infrastructure for commerce.

A platform where supply chain participants have instant access to capital, payments, and financial intelligence.

Team

PayAssure leadership and advisers

A lean leadership team guiding PayAssure’s product, technology, and market strategy with a focus on reliable finance operations for supply chain participants.

Austine Jefwa Katsinye profile

Austine Jefwa Katsinye

CEO & Founder

Leads PayAssure’s vision, business strategy, and partnerships, focusing on building financial infrastructure that helps manufacturers, distributors, and retailers streamline settlements and reduce credit risk.

Wilfred Mwaura Kimani profile

Wilfred Mwaura Kimani

CTO & Co-Founder

Leads the company’s technology strategy and product development, designing secure, scalable financial systems and overseeing the engineering of PayAssure’s payment and settlement platform.

Simon Amani Tunje profile

Simon Amani Tunje

Business Adviser

Provides strategic business guidance, helping shape market expansion, partnership development, and long-term growth initiatives while ensuring the platform addresses real industry needs.

Esther Sidi Charo profile

Esther Sidi Charo

Co-Adviser

Supports business planning and operational strategy, contributing insights that strengthen product direction, stakeholder engagement, and organizational development.

Pilot Program

Join Us in Building the Future of Retail Finance

PayAssure is currently seeking pilot customers, strategic partners, and early investors to help shape the future of payment orchestration and automated settlements in Kenya. Whether you're a manufacturer, distributor, retailer, financial institution, or investor, we'd love to hear from you.

🚀

Pilot Customers

First 10 manufacturers only

Join our free 90-day pilot program and help shape the future of automated settlements.

Join the Pilot
💼

Investors & Strategic Partners

Interested in supporting PayAssure's growth? Let's discuss investment and partnership opportunities.

Talk to Us

Help Shape the Future of Business Payments

We're building PayAssure alongside retailers, suppliers, manufacturers, financial institutions, and technology partners. Your feedback helps us create solutions that address real business challenges.

Choose the survey that best describes you:

Each button opens the relevant Google Form in a new tab.

Get In Touch

Let's explore how PayAssure can support your supply chain

Whether you're a manufacturer, retailer, distributor, financial institution, or technology partner, we'd love to hear from you and discuss partnership opportunities.

Send us a message

We'll get back to you within 24 hours