About TGJOF ENTERPRISE
We are TGJOF ENTERPRISE — a Kenyan software, digital and electronics business. We design, build and run the products people rely on: money software, property platforms, mobile apps, desktop tools, websites, automation and digital staff. Everything we ship is engineered in-house, from the first line of code to the live product.
Our first product — and our flagship — is kodiipay. kodiipay is more than a property management software. It is a complete financial and property ecosystem for landlords, tenants, families, and businesses — one platform, endless possibilities.
We bring together property management, rent collection, home finding and secure escrow bookings, M-Pesa STK Push payments, Paybill, M-Pesa Till and bank transfers, bill payments, money transfers, instant withdrawals, budgeting, expense tracking, maintenance, communication, reviews, and documentation — into one intelligent, easy-to-use platform.
Whether you're collecting rent, paying rent, managing multiple properties, tracking expenses, creating budgets, requesting maintenance, storing important documents, viewing tenancy agreements, generating detailed reports, or searching for your next home, kodiipay keeps everything connected in one secure ecosystem.
Security is at the heart of everything we build. Every transaction, document, and account in our software is protected using modern security standards, giving our users the confidence to manage their properties and finances on a platform they can trust.
We believe technology should remove complexity—not create it. That's why we built kodiipay to save time, reduce paperwork, improve transparency, and help people make smarter financial and property decisions every day.
And it is only our first product. Whether you own one property or hundreds, are looking for a place to call home, or simply want a safer and smarter way to manage your payments, kodiipay is designed to grow with you — just as TGJOF ENTERPRISE grows with every product it ships.
The mother company
TGJOF ENTERPRISE — more than the company behind kodiipay.
TGJOF ENTERPRISE designs, builds, secures and runs its own technology from the ground up — we do not buy ready-made software or resell other people's products. Born in Kenya, operating worldwide, and open-minded about what we build next.
Because real money moves through much of what we make, we run everything with banking-grade seriousness. Every product and every client project is held to the same standard: immutable ledgers, security-hardened server routines, verified payments, and automatic refunds. If we built it, the money in it is protected.
Our flagship is kodiipay — the rent and property payments platform. But kodiipay is only first. The engineering behind it is the same engineering we bring to mobile apps, desktop applications, websites and digital staff for teams anywhere in the world.
Explore what we buildMobile Apps
iOS & Android apps with push, payments and offline support — the way kodiipay reaches tenants and landlords.
Desktop Applications
Powerful Windows & desktop tools for operations teams that run alongside the mobile experience.
Websites
Fast, SEO-ready websites that convert visitors into customers — built on our own stack.
Digital Staff
Software that does a real job — collecting, reminding, paying, reporting — without a human in the loop.
Our motto
One Standard. Endless Possibilities.
This is the standard we build every TGJOF product to — from the flagship kodiipay to the apps, desktop software, websites, automation and digital staff we build for clients. Whether it moves money or not, the engineering is the same: built to last, secure by default, and shipped properly.
It is not a slogan about one product. It is a promise about everything we make — property, payments, mobile, desktop, web, creative work, and whatever problem is worth solving next. If we take it on, we see it through.
Whether it is a one-unit rental app or a country-wide platform, a payment rail or a simple business tool, whether it runs on your phone, your desktop or the web — TGJOF ENTERPRISE builds it once, builds it right, and keeps every possibility open.
Built by the mother company
kodiipay — our first product, built from the ground up.
kodiipay is not rented software and it is not white-labelled. It is the first product TGJOF ENTERPRISE designed, architected, coded, tested, secured and shipped — from a blank page to a live platform moving real M-Pesa money.
Conceived and architected here
The concept, the database schema, the wallet-ledger design, the rent schedules, the M-Pesa flow — every architecture decision for kodiipay was made by Tom Geofrey and the TGJOF ENTERPRISE team. No third-party platform powers it; the entire system is our own.
Mobile, desktop and web — all ours
The tenant app, the landlord app, the desktop experience and every website in the ecosystem were engineered in-house by TGJOF ENTERPRISE — and hardened the same way, because they move real money every day.
Banking-grade is the standard
We applied the same security rigour we use on every TGJOF build: immutable ledgers, SECURITY DEFINER money routines, KYC holds, escrow, rate limiting, OTP gates and automatic refunds — because it is the standard we hold all our products to.
Everything in One Platform
Every feature you need. Nothing you don't.
This is the flagship experience we engineered, end to end. kodiipay was never built to be just a rent tool. Below is what the platform does today — verified in the live app and platform, and built entirely by TGJOF ENTERPRISE.
Payments & Rent
Collect and pay rent your way
- Pay rent with M-Pesa STK Push, Paybill, M-Pesa Till, or Bank Transfer
- Landlords can receive rent directly to their M-Pesa Till (Buy Goods & Services) — funds land in the merchant wallet instantly
- Monthly rent schedules with due dates and real-time balance tracking
- Overdue and arrears tracking with automatic reminders
- Overpayments auto-carried forward — a shilling is never lost
- Partial payments and rent history tied to each tenancy
Money & Wallet
A wallet that works like a bank
- Secure wallet with an immutable, fully auditable transaction ledger
- Top up via M-Pesa STK Push or from your bank app
- Send money instantly to friends, family, or any phone number
- Instant withdrawals to M-Pesa, your registered bank PayBill, or a landlord's M-Pesa Till
- Transparent fee breakdown before every transaction is confirmed
Bill Payments
Every bill in one place
- Electricity (KPLC), water, and county utility bills
- DStv, GOtv, Zuku, StarTimes, and Safaricom Home Fibre
- School fees, NHIF/NSSF, and county levies
- Any Paybill or M-Pesa Till number that accepts payments is payable from the app — including Lipa na M-Pesa Buy Goods & Services
- Pay any merchant Till (5-7 digits) directly from your wallet or a quick STK top-up
- Auto-reconciliation with instant confirmation and receipts
Find Home & Bookings
Move in faster, safely
- Browse verified vacant units live — every time a landlord lists one
- Filter by county, property type, bedrooms, furnishing, and rent
- Book instantly with a refundable escrow-protected deposit
- Booking flow: requested → accepted → check-in confirmed released or refunded
- Raise a dispute for an instant refund — deposits are never at risk
Property Management
Manage everything from one dashboard
- Properties and units with photos, amenities, and full details
- Occupancy, vacancy, and unit status at a glance
- Digital tenancy agreements with tenant records
- Add, edit, and track any number of units as you grow
- Landlord invitations so tenants join with a simple in-app invite
Accounting & Finance
Excel-lent accounting, automated
- Immutable, tamper-proof ledgers — every movement with a before-and-after balance
- Itemized rent schedules with live balance-due, penalties, and arrears tracking
- Advanced analytics — revenue, expenses, profit, and margin by month
- Budget planner with categories, rollover, and alert thresholds
- Expense tracker with tax-deductible flags and linked reports
- Download in PDF — financial summaries, payment histories, and receipts
Records & Receipts
Proof of every payment
- Automatic receipts for every payment you make
- Rent payment reports with dates, amounts, and M-Pesa transaction IDs
- Downloadable payment reports and export functionality
- Legally admissible payment records for disputes or the Rent Tribunal
- Manually record offline payments so no shilling is ever unaccounted
Receipt Verification
Scan any receipt, confirm it's genuine
- Every kodiipay receipt carries its own unique QR code tied to the payment ledger
- Scan the QR inside the kodiipay app to verify a payment in seconds — tenants prove they paid, landlords prove they received
- Also works from a downloaded PDF receipt, so signed-in users can check offline copies too
- Verification happens only inside the kodiipay app, where you're signed in — receipts are never verified on this public website
Maintenance
Track repairs from open to resolved
- Submit maintenance requests with photos and descriptions
- Priorities and status tracking on every request
- Repair history kept per property and unit
- Landlords can log maintenance expenses right on the request
Communication
Stay in sync, instantly
- Real-time in-app chat between landlords and tenants
- Formal legal notice board — sent and delivered inside the app
- Push notifications for payments, maintenance, and reminders
- Email alerts for new devices, OTPs, and account activity
Reviews & Trust
Decisions backed by real ratings
- Rate properties on overall, cleanliness, security, management, and value
- Anonymous review option for honest feedback
- Reviews visible to renters before they book
- Trust signals: verified landlords, escrow deposits, refund protection
Documents
Your paperwork, always with you
- Store leases, receipts, KYC files, and inspection records
- Organize documents by property or tenant
- Preview files in-app and open them externally
- Upload directly from your phone
Referrals & Rewards
Share kodiipay, earn cash
- Unique referral code and shareable link
- Cash bonus credited to your wallet for every landlord you refer
- Rewards are withdrawable to M-Pesa or bank
- No limit on referrals — anyone verified can refer
Security
Bank-grade protection by default
- App Lock with PIN (SHA-256 hashed) or biometrics
- Auto-lock delay you control — Immediate to 30 minutes
- Maximum devices from 1 to 10 with session eviction
- Email OTP at sign-in, OTP for withdrawals, brute-force lockout
- KYC verification, fraud refunds, and a zero-tolerance fraud policy
Reliability & Offline
Works wherever you are
- Offline-safe with graceful handling when connectivity drops
- Manual recording of offline payments
- Cloud sync so records never live on a single phone
- Real-time reconciliation with M-Pesa transaction IDs
And this is just the beginning
kodiipay is our first product — and it is built to keep growing.
Payment records, rent payment reports, and download functionality are part of the core experience — and new capabilities like credit-scoring powered by rent history are already on the roadmap. One product today, endless possibilities tomorrow.
The Accounting Engine
Real books. Done for you.
This is how we build money software at TGJOF ENTERPRISE. kodiipay's money engine is a proper ledger, not a folder of receipts. Every shilling is recorded on immutable rails with before-and-after balances — so the books balance themselves, every single time, down to the last cent.
Immutable ledgers, not a cash register
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 the change. Every credit, debit, lock, unlock, fee, and reversal is tagged by type and reference, so any penny can be traced to the event that created it. Only security-hardened server routines can move money; the app or website can never edit a balance, even if its security layer were bypassed.
Rent schedules that update themselves
Each month's bill is 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 are handled inside the schedule itself. 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. Landlords see paid, partial, and overdue at a glance, per tenant and per unit.
A live profit & loss view
Gross revenue, total expenses, net profit, and profit margin are recomputed month by month from paid rent schedules versus recorded outflows — no manual summing ever. Advanced analytics layer in occupancy rates, per-property performance, per-tenant payment history, and arrears with overdue counts, plus period filters so you can close any month, quarter, or year in a few taps.
PDF proof with M-Pesa reconciliation
Generate a branded financial-summary PDF, per-property payment-history PDFs by date range, expense reports, and a per-transaction receipt PDF for every single payment. Each receipt carries its own unique QR code and the underlying M-Pesa transaction ID — real-world reconciliation and legally admissible proof, ready to hand to a property manager or the Rent Tribunal.
Reconciliation built in — M-Pesa transaction IDs are matched to the ledger on every receipt, and payment-gateway logs capture every Safaricom callback.
Company money separated — our earnings book into their own revenue ledger alongside a user-funds float, so company cash can never be confused with — or drawn from — user money.
Guarded end to end — OTP-gated withdrawals and sends, KYC holds, subscription holds, and automatic refund schedules keep money protected at every step of its journey.
How money moves
Exactly where your money is — at every step.
We engineer software for money, so payment architecture must be plain, verifiable, and documented. Here is exactly how money travels through kodiipay — our flagship — who holds it at each moment, and who is responsible when something needs fixing.
Path A — Paying through kodiipay (in-app)
STK Push, Paybill, or wallet payment
- 1
Tenant pays
The tenant initiates a payment in the app with M-Pesa STK Push, the platform Paybill, or their kodiipay wallet balance.
- 2
Money lands in the platform M-Pesa Paybill
The payment is placed on Safaricom's rails and settles into kodiipay's platform M-Pesa shortcode. No balance exists until Safaricom's callback confirms it.
- 3
Wallet is credited as a ledger entry
Only after Safaricom's callback verifies (and re-verifies with the STK Query API) is the tenant's wallet balance credited. The wallet records what the tenant is owed; the real cash sits inside M-Pesa.
- 4
Settlement to the landlord
From the platform float, kodiipay settles to the landlord's own M-Pesa number (B2C), their M-Pesa Till (B2B BusinessBuyGoods), or their bank via Paybill (B2B BusinessPayBill) — every step over Safaricom's regulated Daraja rails, with full idempotency guards.
Path B — Paying the landlord directly
Landlord's own M-Pesa Till or bank Paybill
- 1
Tenant pays the landlord's own Till or bank Paybill
The tenant pays directly to the landlord's own M-Pesa Till (Lipaa na M-Pesa, Buy Goods) or their bank Paybill with their account number — e.g. Equity, KCB, Co-op, ABSA, Stanbic, NCBA, Standard Chartered, I&M.
- 2
Money never touches a kodiipay wallet
The funds land straight in the landlord's merchant M-Pesa or bank account the very moment the tenant pays. kodiipay does not hold or delay this money.
- 3
kodiipay receives the callback and records it
Safaricom or the bank tells kodiipay the payment happened, and it instantly matches the payment to the tenant and unit, confirms rent paid, and issues a receipt with the real transaction ID.
The wallet is a record — not a vault
The kodiipay wallet balance is an internal, double-entry accounting ledger, not a stored-value account where kodiipay physically keeps your cash. Every credit, debit, fee and reversal writes a before-and-after balance to an immutable ledger that only security-hardened server routines can touch.
The actual money always lives inside Safaricom M-Pesa or your bank, on the Daraja payment rails. When the ledger says you have a balance, it is recording what you are owed from funds held in the platform M-Pesa float under kodiipay's platform shortcode — the same money that then settles out to landlords, banks, and recipients. kodiipay's own company earnings sit in a separate revenue ledger and can never be confused with user money.
Who owns the Paybill / shortcode / Till
- The platform M-Pesa Paybill (in-app path) — belongs to kodiipay / TGJOF ENTERPRISE. In-app STK and wallet-funding payments settle here before being routed to their destination.
- The landlord's own M-Pesa Till and bank Paybill (direct path) — belong to the landlord. Paying there moves money straight into the landlord's merchant or bank account; kodiipay only receives the record of it.
- Receiving: who gets paid first — In Path A money first lands in the kodiipay platform float for a moment, then settles out. In Path B the landlord is paid first and directly. In both cases the money moves exclusively over Safaricom's Daraja APIs.
- Withdrawals: where they come from — Withdrawals and 'send money' to a phone number are sent from the platform shortcode to the recipient's M-Pesa (B2C), only after OTP verification and from your wallet ledger balance.
Refunds, reversals & settlement
- Failed or ambiguous transactions — If Safaricom's callback doesn't confirm a payment, the money stays pending — it is never credited. If a callback fails with a transport error, kodiipay returns 503 so Safaricom retries, and processing continues safely.
- Failed payouts — A payout that fails is automatically reverted to the wallet (returns funds on failure) and retried by the system — never double-sent.
- KYC holds & refunds — Rent paid to an unverified landlord is held. If the landlord doesn't verify within 30 days, the full amount is automatically refunded to the tenant's wallet; unverified payout accounts are purged after 33 days.
- Booking deposits (escrow) — Deposits are held in the platform's escrow flow until you confirm check-in. Decline or cancel, and the full deposit is returned.
- Overpayments — Any shilling paid beyond what's due is carried forward to the next rent schedule automatically.
Built on regulated rails — our CBK position
kodiipay is a software layer integrated with Safaricom's M-Pesa through the Daraja API — the same regulated infrastructure Kenyan banks and fintechs use. Safaricom is a CBK-authorised payment service provider; kodiipay is the software that orchestrates payments on top of that licensed rail.
- kodiipay does not act as, or claim to be, a bank — money moves over M-Pesa and bank rails, not a kodiipay bank
- Because in-app funds rest momentarily in the platform M-Pesa float and are then settled out, kodiipay documents the money flow, shortcode ownership, settlement, and responsibility fully (exactly as detailed on this page)
- Refunds, reversals, failed transactions and settlement responsibility sit with kodiipay, executed automatically and idempotently over the same rails, with every event reconciled to a real M-Pesa transaction ID
- TGJOF ENTERPRISE, the company that operates kodiipay, is the entity accountable for the platform's obligations
We publish this architecture because questions like "who holds my money?" deserve a direct, verifiable answer — and we commit to keeping this page accurate as the platform and its licensing evolve.
Operating Company
Meet the company behind the platform
TGJOF ENTERPRISE is a registered business name in Kenya (BN-VZSEAZ5R). kodiipay is the consumer-facing brand and product suite of TGJOF ENTERPRISE — our first product and the flagship of our mission to build Kenya's most trusted property management and digital payments platform.
Registered in Kenya · Operated by TGJOF ENTERPRISE · Support: kodiipay.support@gmail.com
One mother, many products
TGJOF ENTERPRISE is a product company.
There is one engineering standard under this roof — and it applies to everything we ship. kodiipay is the flagship, and the same seriousness now backs more products, ventures and client builds.
kodiipay
The first product of TGJOF ENTERPRISE and its flagship — the property and payments ecosystem detailed throughout this page. It is the platform that proves how we build.
More products in the pipeline
The same team keeps building beyond kodiipay — new products across payments, property, business, creative work and everyday life. We are deliberately open-minded about what we build next, as long as it meets the TGJOF ENTERPRISE standard.
Client builds with the same rigour
For other teams we build mobile apps, desktop applications, websites and digital staff — using the exact engineering we run on kodiipay itself. If you have a problem worth solving, we are in.
Leadership message
A vision rooted in solving real problems.
Tom Geofrey Magwar is the Founder and Chief Executive Officer (CEO) of kodiipay and the owner of TGJOF ENTERPRISE, the company under which our platforms operate. He is a self-taught Kenyan software developer and entrepreneur who built this business from a blank page — architecting the products, writing the code, and shaping the brand himself.
kodiipay was founded on a simple belief Tom has held since the start: technology should solve real problems and make everyday life easier. From the very beginning his vision was to build more than just a platform — to create a trusted ecosystem where people can manage their properties, finances, and daily activities with confidence, simplicity, and peace of mind.
Everything you see at kodiipay is powered by TGJOF ENTERPRISE, the company that owns and operates the platform. As its owner and the man behind its vision, Tom is committed to ensuring every feature we build serves a real purpose, and that the TGJOF ENTERPRISE name stands for trust, security, and quality in everything we deliver to Kenyan families, landlords, and businesses.
Every great solution begins by listening. By understanding the challenges people face every day, Tom has built kodiipay with purpose, ensuring every feature delivers meaningful value rather than unnecessary complexity. His goal has never been to follow trends, but to create practical technology that genuinely improves the lives of those who use it.
As Founder and CEO, Tom remains actively involved in shaping the direction of the company. From defining the vision and overseeing product development to ensuring every experience reflects our values, he believes leadership is about creating solutions people can trust for years to come.
Innovation alone is never enough. It must be accompanied by reliability, security, and a genuine commitment to the people we serve. These principles continue to guide every decision we make and every milestone we achieve.
While we are proud of how far kodiipay has come, our greatest achievements still lie ahead. We are committed to continuous innovation, constant improvement, and building technology that adapts to the evolving needs of our users. Our ambition is to establish kodiipay as one of Africa's most trusted technology companies, recognized not only for the products we build but also for the positive impact we create.
To every landlord, tenant, property manager, business owner, partner, and supporter who has placed their trust in kodiipay, thank you. Your confidence inspires us to keep raising the standard and to continue building solutions that make a real difference.
Together, we are building more than a company — we are building a future where technology works seamlessly for everyone.
Our Security
Your trust, our priority.
We build software that moves money, which means security is the first thing we engineer — not an add-on. Every transaction, document, and account in our software is protected using modern security standards, giving users the confidence to manage their properties and finances on a platform they can trust.
Bank-grade encryption at every layer
All data stored in the database is encrypted using AES-256. Every request between the app and our servers is encrypted with TLS 1.3, ensuring no data can be intercepted in transit. File uploads — KYC documents, property photos, tenancy agreements — are stored in encrypted Supabase storage buckets.
App Lock — PIN & Biometric
Every time you open kodiipay, you secure it with biometric authentication (fingerprint or Face ID) with a 4-digit PIN as backup if biometrics fail. The PIN is hashed with SHA-256 before being stored — the raw PIN is never saved. You can set the auto-lock timer to lock the app after being in the background for Immediate, 1 minute, 5 minutes, 10 minutes, or 30 minutes. If biometric hardware is not available or enrolled on your device, the option is hidden and only PIN is offered.
Two-Factor Authentication (Email OTP)
Enable Email OTP at sign-in from your profile settings. When turned on, after entering your email and password, a 6-digit OTP is sent to your registered email address. You must enter the correct OTP before you can access the app. The OTP is single-use and expires after a short period. Toggle on or off anytime from your profile without losing your other security settings.
KYC Verification — Tenant Protection
Know Your Customer (KYC) verification ensures every landlord is who they claim to be. When a landlord's KYC is not verified or under review, their payouts and B2B transactions are held — tenants are protected by design. Only after all KYC documents are approved by an admin does the landlord gain full access to receive rent directly to their PayBill.
Infrastructure & Daraja API
kodiipay runs on Supabase (PostgreSQL) with automated daily backups and point-in-time recovery. The database is hosted on infrastructure within Kenya. Access to the production database requires multi-factor authentication. All M-Pesa transactions go through Safaricom's Daraja API — the same infrastructure used by Kenyan banks and fintechs. STK Push requests include a timestamp-based password regenerated for every request, preventing replay attacks. Callback URLs are server-side only and never exposed to the client app.
Compliance & Bug Bounty
kodiipay complies with the Kenya Data Protection Act, 2019. We collect and process only the personal data necessary to provide our services. We never sell user data to third parties. You have the right to access, correct, delete, and export your data at any time from your profile settings. If you discover a security vulnerability, please report it to kodiipay.support@gmail.com — we will respond promptly, investigate, and keep you informed throughout the remediation process.
Device Control & Session Management
You control exactly how many devices can be signed into your account at the same time — set a maximum between 1 and 10 devices from your profile settings. When the limit is reached, the next login attempt is blocked and redirected to a session eviction flow. To sign in on a new device, you authorize it by entering a 6-digit OTP sent to your email — this automatically evicts the oldest session. The evicted device receives a real-time push notification and sees a full-screen "Session Ended" overlay the next time they open the app — even with your password, an intruder cannot log in if the device limit is reached.
Login Security & Brute-Force Protection
Every login attempt is protected by multiple layers: failed attempt tracking — after 2 failed attempts, a warning banner appears; after 5 failed attempts, the account is temporarily locked. A password visibility toggle lets you show or hide your password as you type to prevent shoulder-surfing. The forgot password flow resets via email OTP, not security questions. A device limit check runs before granting access. If 2FA is enabled, OTP must be verified before the app unlocks. You receive a new device email alert with device name, brand, IP address, and timestamp whenever a new device logs in.
Send Money & Withdrawals
Sending money requires recipient phone double-entry, biometric or PIN verification, and a "Cannot be undone" warning. The actual money movement happens via sp_initiate_send_money, a SECURITY DEFINER function — the frontend never directly modifies financial data. Withdrawing money has the strictest requirements: KYC must be approved, a fee breakdown is displayed before confirmation, a 6-digit OTP is sent to your email, and the withdrawal only initiates after you enter the correct OTP. All processing runs through sp_initiate_withdrawal with full validation.
Immutable Wallet Ledger
Every wallet transaction is recorded on an immutable ledger — credits, debits, fees, and reversals are all fully auditable. The wallet balance is computed from the transaction log, not stored as a single number that could be edited or tampered with. All mutations run as SECURITY DEFINER functions, meaning even if an account's RLS policies were bypassed, financial data cannot be tampered with directly from the client.
Zero Tolerance for Fraud
We do not tolerate fraud — in any product TGJOF ENTERPRISE ships. False profiles and fake identities are detected automatically by our systems and scheduled for permanent deletion without warning. We protect every user — landlord and tenant alike — from deceptive actors at every step. If something looks suspicious, our systems act immediately. Your safety is non-negotiable.
More Than Management
Everything you need. One ecosystem.
Every product we build is engineered as one intelligent ecosystem — never as another single-purpose tool. With kodiipay we go far beyond rent collection and management; we connect landlords, tenants, and their daily lives in one platform.
Find Your Next Home Instantly
Looking for a place to live? Browse available units that go live the moment a landlord lists them. No waiting. No hassle. Real-time availability means you move in faster than ever.
Landlord Units Stay Occupied
We actively market your properties to prospective tenants. When vacant units go live, they are instantly visible to active renters searching right now. Landlords using kodiipay consistently see higher occupancy rates.
Pay Every Bill, Not Just Rent
Electricity, water, school fees, StarTimes subscriptions — kodiipay handles them all. One platform, one payment flow, every bill settled with instant confirmation and a digital receipt.
Send Money Anywhere
Transfer funds to your bank account or send money directly to friends and family. kodiipay handles domestic transfers seamlessly — fast, secure, and with full transaction tracking.
Instant Notices & Real-Time Chat
Send notices that are delivered instantly to tenants or landlords. Need to discuss a maintenance issue? Chat in real time — no delays, no WhatsApp groups lost in the noise. Every conversation stays organized within kodiipay.
Pricing
Pay as you go
Unlike other platforms that lock you into expensive subscriptions upfront, kodiipay believes you should only pay when you are sure. Try it free, explore every feature, and only commit when you are ready.
There is no other property management platform in Kenya quite like kodiipay.
Refund Policy
Your money is always protected.
Money protection is the standard we build all our software with. For our flagship platform: every tenant is shielded at every level — from the moment rent leaves your hands to when it reaches the landlord.
Tenant Protection for Bank Transfers
When you pay rent via Bank Transfer or Paybill, your money is protected at every step. If the landlord's identity has not been verified (KYC), the rent is held instead of being sent to their PayBill — it lands in the landlord's wallet but they cannot withdraw it until their KYC is approved. If the landlord does not verify within 30 days, the system automatically refunds the full amount back to your wallet.
Overpayments Are Never Lost
If you accidentally pay more than what's due, the excess amount is automatically carried forward to next month's rent schedule. You never lose a single shilling due to an overpayment. It belongs to you, always.
Automatic Refunds for Held Payouts
When a payout is held because the landlord has not verified their identity, a refund schedule is created automatically. The system waits 30 days so the landlord has a full window to complete verification. If they verify in time, the held payout is released to them (to their PayBill) and the refund schedule is cancelled. If they do not, the refund is automatically credited back to your wallet — no forms, no waiting, nothing for you to do.
Unverified Landlord — Account Safeguards
Full protection runs two ways. Until a landlord completes KYC, they cannot withdraw funds — withdrawal is blocked at the platform level. If they still do not verify within 30 days of a held payment, the money is refunded to the tenant and, because unverified payout accounts are treated as a fraud risk, the landlord's account is scheduled for automatic deletion 3 days after the refund (33 days from the original payment). Verifying KYC at any point before that cancels the refund schedule, releases the payout, and cancels the deletion. This is why kodiipay never lets money sit with an unverifiable account.
Expired Subscription — Rent Is Held
If a landlord's subscription has expired, their payout to PayBill is held and rent money is credited to their wallet instead. The landlord cannot withdraw until they renew their subscription. Your rent payment is confirmed and secure — locked in place.
Our mission