Coale-Payments
M-Pesa and bank payments, native inside ERPNext
Coale-Payments is a native ERPNext integration with Safaricom's Daraja API and Stanbic Bank. It handles STK Push collection, C2B auto-reconciliation, B2C bulk disbursements to employees and suppliers, transaction recovery, and bank transfers—without leaving your ERP.
Key capabilities
M-Pesa Express (STK Push)
Initiate payment prompts directly from Sales Invoice, Sales Order, POS, or Webshop. The customer receives an STK Push on their phone, enters their PIN, and ERPNext automatically creates a Payment Entry upon completion.
C2B Auto-Registration & Callbacks
Register callback URLs with Safaricom Daraja in one click. Incoming payments to your Paybill or Till number are logged in real-time via webhooks, with smart matching by BillRefNumber against invoice or customer IDs.
C2B Auto-Reconciliation with FIFO
When enabled, submitting a C2B payment record automatically matches it to outstanding invoices using FIFO logic. No manual spreadsheet reconciliation—unmatched items are flagged for review.
B2C Bulk Disbursement
Disburse salaries, supplier payments, expense reimbursements, and loans in bulk. Fetch outstanding entries, allocate amounts per party, and submit. Each reference triggers a Daraja B2C API call with real-time success or failure notifications.
Retry Failed Disbursements
A single click retries every failed B2C payment without re-entering data. The disbursement document tracks overall status: Paid, Partially Paid, Failed, or Not Initiated—per reference and in aggregate.
Transaction Status Query & Recovery
Query Safaricom directly by transaction ID for delayed or missing payments. If the transaction exists, the system creates a new C2B record or updates an existing one, so nothing slips through.
M-Pesa Pull API
Pull historical transactions from Safaricom for any date range and shortcode. Complements real-time callbacks with a safety net for transactions that arrived while the system was offline.
Mpesa Payment Reconciliation Tool
A dedicated desk tool lists draft C2B payments alongside unpaid invoices for a selected customer. Allocate payments to invoices manually with full visibility, then submit to post the entries.
Stanbic Bank B2C Transfers
Extend disbursements beyond mobile money with Stanbic Bank integration. Route bulk payouts through bank transfer using sort-code routing, managed from the same B2C disbursement workflow.
Why teams choose this
- Collect payments without customers remembering paybill numbers—STK Push prompts their phone automatically
- Eliminate manual reconciliation with smart BillRefNumber matching and FIFO auto-allocation
- Disburse salaries, supplier payments, and loans directly from ERPNext with real-time status tracking
- Recover every missing transaction via status query and pull API—nothing falls through the cracks
- Reduce Days Sales Outstanding with instant C2B callback processing and automatic Payment Entry creation
- Retry failed B2C payouts in one click without re-entering party details or amounts
- Secure credential encryption, automatic token reuse, and HTTPS-enforced webhooks keep transactions safe
- Unify mobile money (M-Pesa Daraja) and bank transfers (Stanbic) inside a single ERPNext payments workflow