Never chase a customer for money again.
Agakayi replaces the paper notebook with a ledger that collects for you.
The credit is real. The collection shouldn't be awkward.
Across East Africa, shopkeepers lose up to 30% of their revenue to customer credit that is never collected. The debts live in a paper notebook — the Amakayi — and when the notebook is lost, torn, or simply ignored, the money is gone.
Chasing it is awkward. Asking a neighbour to pay is uncomfortable. So many shopkeepers simply don't.
When you record a sale on credit, Agakayi remembers it — even without internet. When the payment date arrives, your customer receives a polite SMS reminder in Kinyarwanda or Swahili, with a Mobile Money prompt right on their phone. They tap, enter their PIN, and the money lands in your MoMo wallet. No awkward conversation. No lost notebook. No forgotten debt.
Why shopkeepers choose Agakayi
Zero awkward conversations: Respectful, automated SMS reminders take the discomfort out of credit recovery.
100% direct wallet settlement: Customers pay directly to your Mobile Money number. We never touch or hold your money.
Works without internet: Record debts instantly on the shop floor; sync seamlessly when signal returns.
Local languages: Reminders delivered natively in Kinyarwanda, Swahili, and English.
What Agakayi does
Purpose-built tools designed around the way merchants and communities already work.
Digital ledger, offline-first
Record sales, credit, and payments even with no signal. Everything syncs automatically when you are back online.
Gentle automatic reminders
Polite SMS reminders in your customer’s language (Kinyarwanda, Swahili, English), on the dates you agreed — never a demand, always a nudge.
Direct Mobile Money collection
Every reminder carries a payment prompt. Customers pay straight to your wallet. Agakayi never touches or holds your money.
Ikimina tools
Run your savings group — rotating pot, table banking, or VSLA — with clean records every member can trust, and contributions collected the same easy way.
"We believe the shopkeeper at the corner is the backbone of the East African economy, and that she deserves tools built for her: in her language, on her phone, around the way she already works."
Agakayi. Turn credit into cash.
Turn credit into cash today.
Join shopkeepers across East Africa who never have to chase debts again.