Reconciling M-Pesa, Stripe, and Payoneer: A Practical Guide to Multi-Currency Payments
If your finance team spends a day or more each week manually matching payment records across providers, the problem is architectural — not a lack of effort.
Automation
Every automation conversation with a new client eventually arrives at the same question: Make.com or n8n? Both platforms can connect the tools you already use and eliminate the manual busywork slowing your team down. But they solve slightly different problems, and picking the wrong one means paying for capability you don't need — or hitting a wall you didn't see coming.
Make.com (formerly Integromat) is built around a visual, drag-and-drop canvas that non-developers can read at a glance. If your workflow is "when X happens in this app, do Y in that app, unless Z" — a lead form triggers a CRM entry and a WhatsApp notification, for example — Make.com gets you there in an afternoon, not a sprint.
Its real strength in the Kenyan market is the sheer number of pre-built connectors to tools SMEs already use: Google Sheets, WhatsApp Business, Airtable, and most major CRMs. For a business automating its first two or three workflows, Make.com is almost always the right starting point.
n8n is open-source and can be self-hosted, which matters more than it sounds like for two reasons: data residency and cost at scale. A SACCO or fintech handling member data under Kenya's Data Protection Act often prefers to know exactly which server their automation runs on, rather than trusting a third-party cloud by default.
n8n also handles complex branching logic, loops, and custom code steps more gracefully than Make.com. When a workflow needs to call three different APIs conditionally, retry on failure with custom logic, and log every step for an audit trail, n8n is the tool that won't fight you.
We don't start with the tool — we start with the workflow. During discovery, we map every step a process actually takes today, including the exceptions nobody talks about until something breaks. If the workflow is a handful of straightforward triggers-and-actions, Make.com ships faster and costs less to maintain.
If the workflow touches sensitive data, needs custom logic, or has to run reliably at high volume without per-operation cloud fees stacking up, we build it in n8n — often self-hosted on infrastructure the client controls outright.
Most businesses we work with end up using both: Make.com for the marketing and sales side, n8n for anything touching core operations or compliance-sensitive data.
What we do
Eliminate manual processes with intelligent automation built on Make.com, n8n, and custom AI pipelines.
Explore AI AutomationKeep reading
If your finance team spends a day or more each week manually matching payment records across providers, the problem is architectural — not a lack of effort.
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A 20-minute intro call is free. A 90-minute Paid Discovery Session is $500 / KES 25,000 — and ends with a clear, actionable roadmap for transforming how your business operates.
hello@biran.co.ke · WhatsApp: +2547142987206