M-PESA · banks · books of account

Financial documents,
decoded in minutes.

Textrion reads M-PESA statements, bank statements, and books of account, verifying every transaction, flagging inconsistencies, and delivering clear, actionable reports. Lenders get committee-ready credit reviews. Individuals see where their money goes. Small businesses with paybill and till numbers see how the shop is progressing. Accountants get structured books. One upload. Complete clarity.

Try the sample case Create a free account

< 2 minStatement to report

Every fileIntegrity graded

No signupJane M. live demo

jane_mpesa_jan-mar.pdf → credit report

Upload statement

Active

jane_mpesa_jan-mar.pdf

M-PESA Statement

3 months · PDF

OCR extracts & verifies

142 transactions parsed

Credit signals extracted

Ready for review

· Income· Expenses· Salary· Loans· Integrity

Credit report ready

Jane M.

Integrity score

82/100

Income

KES 124,000

Monthly expenses

KES 61,000

Debt ratio

23%

Recommendation✓ Proceed

Try with a sample document · No signup · Jane M. demo case

Parsers forCo-operative Bank of KenyaEquity Bank KenyaAbsa Bank KenyaStandard Chartered BankKCB Bank KenyaNCBA BankStanbic Bank KenyaDiamond Trust BankI&M Bank

How it works

Watch a statement become a credit file.

Four steps, one borrower case: from a phone photo at the branch to a dossier at head office.

Intake

Documents in

M-PESA

jane_mpesa.pdf

UploadWhatsAppEmail

Engine

Extract & parse

15 JanACME LTD payroll+105,000

05 FebPay Bill KPLC−15,000

12 FebFuliza repayment−2,400

01 MarCustomer receipts+38,200

0 transactionsWaiting

Output

Credit file

0Score

Integrity: Good

Balance reconciles
No missing days
Identity match

Committee memo

Jane M. · payroll ~KES 105k. Comfortable installment 18–22k.

Proceed

Step 01 · Collect

PDFs, WhatsApp photos, and email attachments land in one borrower case.

PDF & batch

Scans and phone photos included.

Borrowers forward. Cases auto-link.

Inbound addresses per workspace.

API

Webhooks into your loan system.

Live product proof

See a real borrower case, no account required

M-PESA + KCB statements, integrity grades, combined credit review, and committee memo: exactly what your loan officers get after extraction.

Try with a sample document Download dossier PDF

Who it’s for

Built for credit teams. Useful for your wallet, paybill, and till too.

Lending

Banks, SACCOs, and MFIs

High-volume M-PESA files, salaried bank statements, and mixed SME packs: extracted into one case your committee can review.

Branch intake without spreadsheet re-keying
Combined M-PESA + bank credit picture
Integrity grade on every statement
Memo, CSV, and webhook delivery

Personal

See your own M-PESA clearly

Upload a statement and get spend categories, cash flow, and wellbeing signals: no credit team required.

Register as an individual, no work email
Free page credits to start
Analysis included with M-PESA and bank runs
Same extraction engine lenders use

Small business

Paybill and till insights

Shop owners and operators with Lipa Na M-PESA paybill or till numbers see collections, payouts, and whether the business is progressing.

Inflows on your paybill or till, not just spend
Cash flow trend across the statement period
Quiet days, busy days, and obligation load
Same report style lenders already trust

What you get

Every feature answers a credit question.

OCR and rule-based analysis in your workspace: not a black-box score from a third-party model.

Catch bad statements early

Balance drift, date gaps, duplicate rows, and identity mismatches: graded Good, Review, or Poor.

Read repayment capacity

Payroll, informal inflows, Fuliza, and paybill obligations become a narrative, not a spreadsheet dump.

Ship a defendable memo

Proceed / review language your credit committee can stand behind. Your policy stays in control.

Coverage: 15+; Kenya bank parsers
Integrity: 100%; Files graded
Picture: 3-in-1; M-PESA + bank + combined
Export: CSV · PDF; JSON webhooks to your LOS

Trust

Security questions, answered up front.

Trust & coverage Privacy

Encrypted in transit

TLS on every upload and API call.

Retention you control

Workspace rules for how long files stay.

Role-based access

Branch staff extract. Credit leads review.

Encrypted at rest

Documents stored on your hosting provider.

Document coverage

Kenya statements your team actually receives

Dedicated parsers for M-PESA, bank statements, and books of account. Generic extraction with confidence warnings everywhere else; we flag weak fields instead of pretending.

Full trust & coverage

Document	Formats	Lending workflow	Notes
M-PESA statement	Text PDF · Scanned PDF (OCR) · Phone photo	Core	Personal, paybill, and till statements. Individuals see spend and cash flow. Small businesses with a paybill or till see how the shop is progressing.
Kenya bank statements	PDF	Core	Dedicated parsers per bank profile below; additional banks use generic table extraction.
Books of account	Text PDF · Scanned PDF (OCR)	Core	General ledger, cash book, journals, day books, and trial balance. Debit and credit entries with denser-table OCR for CBK-style layouts.
Invoices	PDF	Platform	Line items, totals, and vendor fields for cloud and services invoices.
Receipts	PDF · Image	Platform	Merchant, amount, and date extraction.

Bank profiles with dedicated parsers (9)

Other banks → generic table extraction

Co-operative Bank of KenyaEquity Bank KenyaAbsa Bank KenyaStandard Chartered BankKCB Bank KenyaNCBA BankStanbic Bank KenyaDiamond Trust BankI&M Bank

Unsupported or low-confidence extractions are flagged for officer review. Textrion does not auto-approve limits.

FAQ

Questions your buying committee will ask

Straight answers for credit, operations, and IT, before you run a pilot.

Yes. Register as an individual (no team or work email). New accounts get free page credits to start. Statement analysis is included with M-PESA and bank extractions: spend and cash flow for personal use, plus collections and progress insights if you run a paybill or till. It uses page credits, not a separate subscription.

Still evaluating? Open the live sample case or book a walkthrough.

Pricing

Pay for pages. Nothing monthly.

Prepaid page credits that never expire. Statement analysis is included with M-PESA and bank runs. Credit review is optional. All prices in Kenyan shillings.

01
Page credits
Most files use 1 credit per page. Books of account use 20 per page.
02
Statement analysis
Always on for M-PESA and bank: +30 personal or +50 business. Never both.
03
Credit review
Optional underwriting. 20 page credits per run, during extraction or later on a saved file.

Start free

50 page credits on signup

No card required. Enough to extract a statement, run analysis, and try a credit review. Credits never expire.

Create a free account

Page credits

50 credits

KES 250

≈ KES 5 per page

50 credits · never expire

Buy credits

Page credits

100 credits

KES 450

≈ KES 5 per page

100 credits · never expire

Buy credits

Most used

Page credits

500 credits

KES 1,750

≈ KES 4 per page

500 credits · never expire

Buy credits

Page credits

2,000 credits

KES 6,000

≈ KES 3 per page

2,000 credits · never expire

Buy credits

Enterprise

Custom volume for SACCOs, MFIs, and banks

Large credit pools, invoicing, SLA, and multi-branch setup, priced to your portfolio, not a monthly seat.

Contact sales Full pricing details

For developers

Integrate once. Extract everywhere.

REST for extraction, webhooks when runs complete, structured JSON for every document type. Wire Textrion into your LOS without rebuilding parsers.

Read API docs Get API keys

webhook-payload.json

{
  "event": "extraction.completed",
  "run_id": "a1b2c3d4",
  "document_type": "mpesa_statement",
  "integrity_grade": "good",
  "borrower_case_id": "case_8842",
  "credit_review": {
    "avg_monthly_in": 105000,
    "comfortable_installment": [18000, 22000]
  }
}

Get started

Pilot with your next ten applications.

Register free, upload a statement, and walk through integrity checks, credit review, and the committee memo on a real file.

Try the sample case Create a free account

M-PESA view: spend, paybill, till collections, Fuliza
Bank statements: salaried inflows and balances
Combined review, dossier PDF, and webhooks

Financial documents,decoded in minutes.

Watch a statement become a credit file.

See a real borrower case, no account required

Built for credit teams. Useful for your wallet, paybill, and till too.

Banks, SACCOs, and MFIs

See your own M-PESA clearly

Paybill and till insights

Every feature answers a credit question.

Catch bad statements early

Read repayment capacity

Ship a defendable memo

Security questions, answered up front.

Encrypted in transit

Retention you control

Role-based access

Encrypted at rest

Kenya statements your team actually receives

Bank profiles with dedicated parsers (9)

Questions your buying committee will ask

Pay for pages. Nothing monthly.

Page credits

Statement analysis

Credit review

50 page credits on signup

50 credits

100 credits

500 credits

2,000 credits

Custom volume for SACCOs, MFIs, and banks

Integrate once. Extract everywhere.

Pilot with your next ten applications.

Financial documents,
decoded in minutes.