Kenya's matatus, running smarter.
Fleet, crews, M-PESA and compliance for SACCOs. A live matatu finder for passengers.
- Free to set up
- M-PESA Paybill
- Works on any phone
- No app for passengers
Where's my matatu?
Type its plate or name to see its route, whether it's on the road and how to pay.
Owner and crew details stay private.
Closest matatus
Everyone on the route, on the same page.
Each person in the industry gets the view they need.
SACCO officials
Dispatch, crews, vehicles, routes and compliance from one dashboard.
Vehicle owners
Trips, collections, expenses and maintenance for every vehicle you own.
Drivers & conductors
Shift assignments, inspections, trip records and daily handovers.
Passengers
Find a vehicle, show you're waiting at the stage and pay by plate.
Less chasing. More control.
A SACCO's daily work, recorded once and seen by everyone who needs it.
Fleet visibility
See where vehicles are, follow trips and spot delays without phone calls.
Dispatch & routes
Assign vehicles and crews to routes and keep a record of every shift.
Fare payments
M-PESA payments land on the right vehicle through your SACCO Paybill.
Maintenance
Service reminders, repair history and defects flagged before they grow.
Compliance
Insurance, inspections and licences with clear expiry alerts.
Stage demand
Passengers tap Niko Stage while they wait, so crews know where people are.
Pay the matatu with its plate.
No change, no guessing the account. The plate tells the SACCO which matatu you rode.
- Open M-PESA and pick Pay Bill.
- Enter your SACCO's business number.
- Use the vehicle's plate as the account.
- Business number
- SACCO Paybill
- Account number
- KDA 123A
- Amount
- Your fare
Or scan the QR code inside the matatu. A payment shows as received only after Safaricom confirms it.
Safer operations, on record.
A well-run transport system starts with knowing what is happening.
- Vehicle and crew assignments for every shift.
- Pre-trip inspections and reported defects.
- Maintenance and document-expiry alerts.
- An auditable record of incidents and corrective action.
MAT SACCO supports better safety management. It does not replace qualified inspections, responsible driving or official regulatory approval.
Your vehicle, in plain view.
See how each vehicle is doing without waiting for scattered daily reports.
- Trips — recorded trips, hours and route activity.
- Money — recorded collections, expenses and results.
- Health — maintenance history and upcoming service.
- Papers — documents, expiry dates and verification.
Free to get. Pay only for the matatus you onboard.
No purchase, no setup fee, no servers, no developers to hire. Every SACCO gets the whole platform, and the only charge is a small daily amount per matatu on it.
- KES 0 SoftwareNo purchase price or licence fee.
- KES 0 SetupNo installation or onboarding charge.
- KES 0 Servers & hostingWe run and secure it for you.
- KES 0 Developers & updatesNew features and fixes included.
- Onboard 5 matatus or 500. You only pay for the ones on the platform.
- Add or retire a vehicle anytime; your bill follows your fleet.
- Who pays is your choice: the SACCO, the matatu owner, or a split you agree on.
About the price of one passenger's fare a day, for everything below.
- Full SACCO SystemDispatch, routes, crews, M-PESA fare collection, compliance and reports in one dashboard.
- Matatu Owner SystemEvery owner sees their own vehicle: trips, collections, expenses and maintenance.
- Crew PlatformDrivers and conductors get shifts, pre-trip checks, trip records and handovers on their phone.
- Abiria (passengers)Track their favourite nganyas, tap Niko Stage while they wait, and pay with the plate.
- One live mapAll your matatus on one live map, so you always know where every vehicle is.
Switched on from day one. Nothing extra to buy.
Every capability below comes with KES 100 a matatu a day. No premium tiers, no add-on fees.
- Included Dispatch & trips Assign vehicles and crews to routes; every trip on record.
- Included M-PESA fare collection Fares paid by plate number straight to your Paybill.
- Included GPS & trip intelligence Live positions, delays and route activity.
- Included Compliance register Insurance, inspection and licence expiry alerts.
- Included Maintenance Service schedules, defects and pre-trip checks.
- Included Fleet register Every vehicle, owner and ownership share in one place.
- Included Owner portal Owners follow their vehicles without calling the office.
- Included Driver & conductor portal Shifts, handovers and cash posting from any phone.
- Included Passenger lookup & Niko Stage Find a matatu by plate; see who is waiting at the stage.
- Included Staff & roles Managers, dispatchers, finance and compliance, each with their own access.
- Included Advanced analytics Collections, trips and performance per vehicle and route.
- Included Your SACCO's branding Your logo and colours on your SACCO's pages.
Grow with MAT SACCO.
Resellers, technology providers and transport businesses: grow with Kenya's matatu industry.
Become a partner- Resellers bring SACCOs on board and earn commissions.
- GPS providers connect tracking devices and fleet data.
- Garages support maintenance and vehicle uptime.
- Insurers connect policy and renewal services.
- Payment partners handle collection and reconciliation.
Let's move the matatu industry forward.
Better-run SACCOs, better-informed owners and better-connected passengers.
