PAYMENTS

Mobile money, bank, cash — one reconciled ledger.

Record every payment against the right invoice, track overdue balances, and reverse mistakes without breaking your books.

app.gwizasuite.com/payments
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Payments
Record, allocate, reconcile · April 2026
Import bank CSV+ Record payment
RecordAllocationAccountsAgingRemindersReversals
Received (MTD)
RWF 18.2M
+12.4% vs Mar
Mobile Money
RWF 7.4M
41%
Bank
RWF 8.6M
47%
Cash
RWF 2.2M
12%
Running balances
Matched
RWF 6.2M
BK of Kigali
RWF 3.1M
MTN MoMo
RWF 1.8M
Airtel MoMo
RWF 480K
Cash on hand
Recent payments
View all ›
PMT-312Kigali Food WholesaleMoMoRWF 1,200,000Allocated · INV-1024
PMT-311Nyamirambo SuppliesBankRWF 842,000Split: INV-1021, INV-1018
PMT-310Gikondo DistributorsCashRWF 360,000Advance · unallocated
PMT-309Musanze TradingMoMoRWF 2,400,000Allocated · INV-1015
Cashier
Records payments in 10 seconds, not 10 minutes
Owner
Knows exactly how much is in each account, live
Accountant
Reversals and misallocations leave a clean trail

How Payments works in GwizaSuite.

Four steps that turn messy money-in into a clean running balance your accountant can sign off on every day.

01
Record

Cash, bank, or mobile money. Attach the invoice or mark as advance payment.

Record payment
MoMoBankCash
CustomerKigali Food Wholesale
AmountRWF 1,200,000
ReferenceMTN-78.4K21
Next: allocate
02
Allocate

Pick which invoice(s) it covers. Part-payments supported. Auto-allocates if the exact amount matches one invoice.

Allocate PMT-311
RWF 842,000 received
INV-1021560,000PART
INV-1018282,000PAID
UnallocatedRWF 0
03
Reconcile

Bank and cash running balances update instantly. Daily totals by method.

Running balances
BK of KigaliRWF 6.2M
MTN MoMoRWF 3.1M
Airtel MoMoRWF 1.8M
Cash on handRWF 480k
Reconciled to bank statement
04
Reverse

Any payment can be reversed with reason and audit trail. Period-aware — closed periods cannot be touched.

Reverse PMT-308
PENDING
Original: RWF 640,000 · MoMo
Reason code: R-02 · Duplicate
Period: Apr 2026 · open
Compensating entry · audit-logged

Everything Payments does.

Cash, bank, and mobile money

One screen, three rails. Capture the method, reference number, and sender so reconciliation works next morning.

Payment allocation

One-to-many and many-to-one. Split a single payment across several invoices, or apply several payments to one invoice.

Advance payments

Money arrives before the invoice? Record it as a customer credit and apply it when the sale is issued. Never lost, never forgotten.

Aging buckets

0–30, 31–60, 61–90, 90+ days. Live, per customer and across the book. The uncomfortable conversations surface before they get worse.

Overdue tracking

The overdue list shows itself every morning. Reminder emails go out on the schedule you set — daily, on the due date, or weekly.

Payment reversals

Wrong amount, duplicate entry, bounced cheque? Reverse with a reason code. A compensating entry keeps the ledger history intact.

Running balances

Per cash drawer, per bank account, per MoMo line. Live totals your owner can check from their phone without calling the bookkeeper.

Payment summaries

Daily, weekly, monthly — by method, by branch, by user. Export to CSV or PDF, or send a summary email on a schedule.

Signature feature

Payment allocation that matches how you actually get paid.

Customers rarely pay the exact amount on an invoice. They pay round numbers. They lump three invoices into one MoMo transfer. They send 80% this week and the rest “soon”. The tools most suppliers use can’t model any of that — so the cashier makes it up, and the accountant unpicks it at month-end.

GwizaSuite’s allocation screen starts from the money in the account and lets you split it across any outstanding invoices for that customer. Drag the slider, type the split, or hit auto-allocate to match exact amounts — and watch a live preview show you which invoice becomes paid, which becomes part-paid, and exactly what’s left.

Whatever you don’t allocate doesn’t disappear. It stays on the customer as an unallocated credit, visible on their statement, ready to apply to the next invoice you issue — or refund if they ask. Nothing lost. Nothing invented. Every move audit-logged.

  • Split one payment across many invoices, or combine payments
  • Apply unallocated remainder as customer credit — never lost
  • Live preview of every balance change before you save
  • Full reversal support with reason codes + audit trail
app.gwizasuite.com/payments/PMT-312/allocate
Allocate PMT-312
Kigali Food Wholesale · MoMo · Ref MTN-78.4K21 · 2026-04-22
MOBILE MONEY
Available to allocate
RWF 2,000,000
Allocated 1,500,000 · Remaining 500,000
Outstanding invoices · Kigali Food Wholesale
INV-1042Due May 31,338,120 outstanding+ 1,000,000
INV-1038Due Apr 22360,000 outstanding+ 300,000
INV-1033Due Apr 06540,000 outstanding+ 200,000
Live preview
INV-1042338,120 left
INV-103860,000 left
INV-1033340,000 left
Unallocated remainder
RWF 500,000
Held as customer credit — applied to the next invoice, or refundable.
Save allocation
On save: 3 invoice balances update · cash account credited · audit event written · customer portal refreshes.
1Available amount
2Invoice list
3Live allocation preview
4Unallocated → customer credit
5Save + post to ledger

Before GwizaSuite

  • Customer pays 500,000 RWF covering 3 invoices — spreadsheet chaos
  • Mobile money, bank, cash totals never match the bank statement
  • Reversing a payment means deleting and re-entering everything
  • Month-end: “we got paid, but the books don’t show it”

After GwizaSuite

  • One payment, split across 3 invoices, done in 30 seconds
  • Running balances per account, live, with daily method breakdown
  • Reversal writes a compensating entry, keeps the history
  • Month-end: everything reconciles, or the system shows you why

Our month-end reconciliation used to take two days and a lot of arguing. Last close, one person finished it before lunch. Allocation across invoices is the thing that changed the job.

Claudine Uwamahoro · Finance Lead · Rubavu Imports · Rubavu

Payments FAQ.

Open the customer, hit Record payment, enter the total received, then drop into the allocation screen. You can drag the split per invoice, type exact amounts, or hit auto-allocate to apply against oldest-first. The live preview shows each invoice’s new balance before you save — one click commits the whole split.

Next up: the books. Cash, bank, AR, AP, VAT, period close, RRA-ready exports — the accounting layer every other module feeds into.

See Accounting

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Payments | GwizaSuite