M-Pesa-native parsing
Drop the official PDF, including password-protected ones. We extract every receipt, date, balance, and counterparty into a clean ledger.
Up to 50MB 路 password OK
Smart M-Pesa statement breakdown
Understand Your M-pesa Statement
Download the desktop app for free. Statement Poa extracts every receipt, classifies it across 17 categories, and surfaces the patterns that matter from password-protected M-Pesa PDFs.
Get the desktop app
Enter your email and phone number and we will email your Windows and Linux download links right away.
Built for lenders, accountants, finance teams, and individuals
Underwriters
Accountants
SMEs
Individuals
Auditors
Finance Teams
What it does
Built for how Kenyans actually spend, send and read M-Pesa statements.
17 transaction categories
Paybill, buygoods, pochi, send and receive, withdrawals, fees, salary, airtime, and bank transfers are auto-classified.
17 categories 路 custom rules
Risk flags and anomalies
Spot unusually large transactions, dormancy gaps, rapid outflows, Fuliza, M-Shwari, and KCB M-Pesa activity.
3 credit lines tracked
Reports and exports
Review monthly flow, daily patterns, balances, top merchants, contacts, period comparisons, PDF reports, and CSV exports.
PDF + CSV export
How it works
Three steps. One source of truth.
- 01
Upload your M-Pesa PDF
Drag in the official statement Safaricom emailed you. Password-protected? Statement Poa prompts you and decrypts it for processing.
- 02
Use it free every month
Process 2 statements per month for free forever. Upgrade only when you need an individual cap of 10 statements per month or unlimited business processing.
- 03
Explore, filter, export
Search by date, category, counterparty, contact, or paybill, compare statements side-by-side, then export PDF or CSV.
Live demo
Same file. Different lens.
The analysis reshapes around what you need to decide, whether you are underwriting, reconciling, or understanding your own spend.
applicant_mpesa_3mo.pdf
M-Pesa statement 路 0712 *** 419
01 Dec 2025 - 28 Feb 2026 路 J. Mwangi
Closing balanceKES 84,120
Insights for underwriters
Avg monthly inflow
KES 186k
+ KES 12k vs prev period
Failed transactions
0
Last 90 days
Recurring inflows
KES 184k/mo
Stable 路 payroll on 28th
Income verification
Salary deposits consistent on the 28th, plus or minus one business day.
12-period trendstable
Pricing
Free forever for 2 statements each month.
Download the desktop app at no cost. Individuals can raise their monthly limit; businesses can unlock unlimited statement processing.
Free desktop app
KES0
Statement Poa is free to use forever for 2 M-Pesa statements per month. Business licenses unlock unlimited statement processing every month.
Statement Poa is free to use forever for 2 M-Pesa statements per month. Individual licenses raise that cap to 10 statements per month.
- Unlimited business statements every month
- Max 10 individual statements per month
- 17-category classification
- Fuliza, M-Shwari, KCB tracking
- Local desktop workflow
- Windows and Linux builds
- Individual and business license tiers
- Inline category overrides
- Offline license verification
License tiers
Monthly
KES 1,000
30 days 路 unlimited statements every month
Quarterly
KES 2,700
90 days 路 unlimited statements every month
Semi-annual
KES 8,400
182 days 路 unlimited statements every month
Annual
Default
KES 9,600
365 days 路 unlimited statements every month
Monthly
KES 300
30 days 路 max 10 statements every month
Quarterly
KES 800
90 days 路 max 10 statements every month
Semi-annual
KES 1,500
182 days 路 max 10 statements every month
Annual
Default
KES 2,400
365 days 路 max 10 statements every month
The desktop app remains free even without a license.
FAQ
Questions, answered.
Yes. The desktop app is free forever for 2 statements per month. Individual licenses increase the cap to 10 statements per month, while business licenses include unlimited statement processing every month.
Windows and Linux are available now. There is no Mac version yet, so the website does not offer a Mac download.
The license page collects your email and M-Pesa phone number, sends an STK prompt, and issues the license key after payment is confirmed.
Yes. Paste in the statement password and Statement Poa decrypts the PDF for processing. The password is never stored.
Receipts, dates, descriptions, counterparties, paybills, amounts, running balances, categories, and risk patterns.
Files are encrypted at rest, can be auto-deleted after analysis, and are never used to train models.
Get your
download links.
Send me the download links
Use the same form any time you need the links resent.