Know what's owed,
what's paid
& what's next.
Zetu manages recurring financial and operational relationships between organizations and the people they serve — from obligations and billing to payments, reconciliation, entitlements and service delivery, all in one system.
Built for
Associations · Schools · Property management · Professional services · Subscriptions · and more
Zetu is free for organizations that strengthen communities. See who qualifies
- Collected
- 93.9%
- of expected
- Matched
- 98.1%
- of received
- Open items
- 9
- awaiting a person
- Expected
- $84,200100.0%
- Received
- $79,10093.9%
- Reconciled
- $77,60092.2%
- Needs review
- $1,5001.8%
- Outstanding
- $5,1006.1%
Obligations due this period
Across five payment rails
Allocated to the obligations it settles
9 payments a person must look at
47 accounts still collectible
The financial infrastructure behind recurring relationships
$100M+
annual recurring obligations managed
60k+
recurring relationships managed
500+
organizations running on Zetu
97.3%
payments automatically reconciled
Working with
Organizations that bill the same people every month.
Banking & mortgage
Youth organization
Nyumba ZetuProperty management
tax.keTax guidance
Let's Get CoffeeCommunity platform
Realtors association
Zetu for Communities
Zetu is free for organizations that strengthen communities.
Student, family welfare, alumni, community, nonprofit and faith organizations can run on Zetu with no platform subscription.
The problem
Sending the bill was never the hard part.
Most organizations do not have an invoicing problem. They have a gap between what should have been paid and what actually happened, and no single place where the two are compared.
An organization can send invoices every month and still be unable to tell its board the difference between expected revenue, money received, money allocated, and money outstanding.
Payment tells you money arrived. Zetu tells you what it meant.
- $240Needs reviewpmt-4471Mobile money••• ••• ••4 11806:14
No reference. Wallet number matches Priya Raman — amount equals her annual dues.
95% confidence - $5,400Reconciledpmt-4468Bank transferNorthbridge Design Partners07:02
Corporate membership. Allocated across 18 member accounts.
- $50Unallocatedpmt-4474Mobile money••• ••• ••9 03208:37
No reference, no matching account, amount matches no obligation.
Try it
Zetu proposes. A person decides. Both are recorded.
The hard cases are not the ones where the system is unsure whether to match. They are the ones where it is almost sure. A 95% match is still wrong roughly one time in twenty — and at any volume, that is too often to post by itself when the decision changes someone's balance, standing or access.
Try both answers. Holding the payment in suspense is a complete, correct outcome with its own audit trail — not a failure state.
- Rail
- Mobile money
- Reference
- None supplied
- Payer on rail
- P. RAMAN
- Payer number
- ••• ••• ••4 118
This is what the rail actually handed over: an amount, a wallet number, and a name that belongs to whoever registered the wallet. Nothing here says what it was for.
What Zetu does
Three jobs, one financial model.
Reconcile
Connect every payment to the obligation it settles — and surface what will not match.
How reconciliation worksEleven capabilities, not eleven tools.
They share one financial model rather than an integration, which is why a payment matched in one place changes a worklist somewhere else on its own.
Payment reality
Your payers don't all pay the same way. Your system should still know where the money belongs.
A card subscription tells you exactly who paid, for what, on which plan. A mobile money payment tells you a phone number and an amount. Systems built on stored cards assume the first case; Zetu is built for organizations where most of the money arrives as the second, and treats identifying the payer as a first-class job rather than as a field that happens to be populated.
Rails are pluggable, and so is the market. Bring the providers, bank relationships and currency you already work in — a wallet in one country, a direct debit scheme in another, a bank narration field everywhere. The financial model does not change underneath any of them. Zetu in Kenya shows the same product in shillings.
| Rail | Share | Received |
|---|---|---|
| Mobile money | 55% | $43,510 |
| Bank transfer | 27% | $21,360 |
| Card | 11% | $8,690 |
| Standing order | 5% | $3,960 |
| Cash & manual | 2% | $1,580 |
Exceptions
Built for what happens when reality gets messy.
The reference is wrong
Money is in the bank and nobody can say whose it is.
A parent pays for three children
One payment, three obligations, three different balances to move.
Someone paid before you billed them
There is no invoice yet. The money still has to go somewhere sensible.
The callback never arrived
The payer has a confirmation message. Your system has nothing.
Overdue — with an approved plan
The balance says chase. The agreement says do not.
Two systems, one truth
Billing says one number, the bank says another, the board asks which.
Exceptions are a queue with owners and outcomes — not a spreadsheet somebody keeps.
Collections
Outstanding balances should become work — not mystery.
Chasing money is not a reminder schedule. It is a workflow with owners, priorities, commitments and outcomes — and the accounts that need a person are rarely the ones with the largest balance.
Zetu ranks the worklist on what is actually recoverable, and it knows when not to chase: an account with an unmatched payment sitting in review, or an approved installment plan being kept, is not a delinquent account.
| Select | Account | Days past due | Balance | Next action | Row actions |
|---|---|---|---|---|---|
| Cedar House PartnersCorporateacc-1184 | 8 | $420 | Reminder queued | ||
| Priya RamanIndividualacc-2291 | 31 | $240 | Hold — payment in review | ||
| Solstice Studio LtdCorporateacc-3307 | 62 | $2,140 | Promise due today | ||
| Mary KamauIndividualacc-4416 | 127 | $370 | Escalate to committee |
- Priya Raman — An unreferenced mobile money payment of $240 is a 95% match for this account. Chasing her would be wrong.
- Solstice Studio Ltd — Promised $600 by 24 August. Kept 2 of 3 previous promises.
Why not what you already have
Three systems already touch this money. None of them holds both sides.
Billing & subscriptions
Excellent at plan-and-card revenue: pricing models, upgrades, retries against a stored card.
Assumes the rail carries the payer's identity. A transfer with a free-text reference has nowhere to go.
Full comparisonAccounting software
The authoritative record of what happened, and the right place for it.
Built to record history, not to operate a relationship. It will hold the arrears; it will not work them.
Full comparisonPayment providers
Moving money reliably across rails, at scale, with settlement you can trust.
A provider can tell you $240 arrived. It cannot tell you which obligation that settled.
Full comparison
Including where a different category fits you better. We would rather say so now.
What changes
What this is actually worth.
Know the real position
Expected, received, allocated and outstanding as four separate figures rather than one hopeful total — available on the day someone asks, not after a weekend of reconstruction.
Stop chasing people who have paid
An account with money sitting in review, a kept arrangement or an open dispute drops out of the worklist by itself. Those are the contacts that cost you a member rather than recovering a balance.
Recover what is actually recoverable
A queue ranked on what can be collected, with promises, arrangements and escalation on the record — instead of a reminder schedule pointed at whoever has the largest number beside their name.
Survive the person who understands it
The exceptions live in the system with the evidence and the decision attached, rather than in the head of the one person who has always done the reconciling.
For the month shown above: $79,100 received, $77,600 reconciled. The difference is nine payments and somebody's afternoon.
Who it is for
Organizations with ongoing financial relationships.
Both sides
Every relationship gets its own portal.
- Obligation
- $240 annual dues
- Received
- $240 · mobile money
- Allocated
- Annual dues 2026
- Standing
- Good standing
One record, not a copy of one. Neither side can hold a number the other does not.
Integrations
Bring the rails you already use.
- Mobile money
- Bank transfer
- Direct debit
- Standing order
- Card
- Payment gateway
- Cash
In their words
What the people running it say.
Controls
Your money never touches Zetu. Your financial record does.
Role-based permissions
Viewing, allocating and waiving are separate rights.
A complete audit trail
Every allocation, waiver and override carries a name and a timestamp.
Data isolation
Each organization's data is isolated, and business units from one another.
Provider records retained
The raw transaction is kept beside Zetu's reading of it.
Human approval where it matters
Zetu proposes an uncertain match. A person decides, on the record.
Pricing
From $29 a month.
- No percentage of your revenue
- Inactive accounts are free
- Every seat is included
- Bring your own rails
Every plan has an included allowance and a per-account rate beyond it, and you are charged the cheapest plan for your account count — so crossing an allowance costs cents, not the step between two tiers.
See what you would payWhat it takes
The work is the migration, not the software.
Step 1
Bring one month
A spreadsheet of what was owed and an export of what arrived. We run it and show you what reconciles, what does not, and what the gap is worth. Nothing is installed to do this.
Step 2
Configure, don't rebuild
Obligation types, cycles, rails, standing policy and the words your organization uses. This is settings rather than development, and it is the part that is genuinely quick.
Step 3
Migrate what is true
Current balances are straightforward. Three years of arrears, arrangements and disputes across two former systems is a project, and it is the only part anybody should be nervous about.
Your existing bank, payment providers and accounting system stay where they are — Zetu reads what they report rather than replacing them. What connects is described honestly, including where availability depends on your own institution.
Questions
What people ask before booking.
Do we have to replace our billing, accounting or payment provider?
None of them. Zetu can hold obligations and billing itself or take billed items from the system you already run, and it sits upstream of accounting — posting reconciled entries onward rather than asking the ledger to do the reconciling. It does not move money or take custody of it, so your providers stay exactly where they are.
Is this only for mobile money markets?
No. Currency, rails, fee vocabulary and the calendar an obligation runs on are configuration rather than assumptions in the model. Mobile money runs through this site because it is the demanding case — the same thin payer identity turns up in a bank narration field, an unreferenced transfer and a cash deposit.
How small is too small?
The shape matters more than the size. If money is expected from the same people on a recurring basis and arrives in a way that makes matching it hard, the model fits — that describes a five-hundred-member association as readily as a fifty-thousand-account utility. Organizations that strengthen communities pay nothing at all.
Who on our team would actually use it?
Finance, operations, whoever does collections, and management reading the same numbers rather than a version of them. Every internal user is included at every plan, deliberately — charging per seat produces shared logins, and a shared login destroys the audit trail that makes the record worth keeping.
What happens to our data if we leave?
You take it. Obligations, settlements, allocations and balances are exportable, and the provider records Zetu ingested are retained alongside its own reading of them. A receivables system that is hard to leave is a receivables system you should be suspicious of, and that applies to this one.
Bring us one messy month.
Bring one month of obligations and one month of payments. We will show you what reconciles, what does not, and what that is costing you.