Kema is an invoice payment platform that helps SMEs in MENA manage cash flow by automating payments, reminders, and reconciliation through multiple payment gateways.

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For SMEs and finance teams in MENA, Kema helps reduce manual invoice follow-ups and gives businesses clearer visibility into unpaid receivables. It connects with accounting and ERP systems such as QuickBooks, Xero, Zoho and Odoo to sync invoices and payment information. Businesses can send invoices with payment links by email, SMS or WhatsApp, and let customers pay using available methods such as cards, Apple Pay or bank transfer. Kema also supports automated payment reminders, invoice tracking, reconciliation and accounts receivable dashboards. For businesses seeking earlier access to cash, it offers invoice advances and options to give customers extended payment terms.

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