Bulk payments
Bulk payments and disbursements, approved once and sent in minutes
Paying people one at a time does not scale. Kiotapay sends salaries, supplier payments, commissions, refunds and loan disbursements as a single approved batch to mobile money and bank accounts, with a status for every recipient and automatic retries when a payment fails.
What you can pay in bulk
One batch, many recipients, across the channels people actually use:
- Salaries and wages for permanent staff, casuals and contractors
- Supplier and vendor invoices
- Agent, rider and driver commissions
- Loan disbursements, dividends and member payouts
- Customer refunds
Controls before the money leaves
A batch is reviewed and approved once rather than payment by payment, and your spend policies still apply: approval chains by amount or category, and a full record of who authorised what.
Built to run from your own systems
Upload a CSV from the dashboard, or call the API and webhooks from your payroll, loan management or commission system so payouts run without anyone touching a spreadsheet.
How it works
- 1
Prepare the batch
Upload a CSV of recipients and amounts, or send them through the API.
- 2
Approve once
Review the total and the list, then approve the whole run in one step.
- 3
Track every payment
Watch per-recipient status in real time, with automatic retries on failures and alerts for low balances.
Bulk payments FAQs
- How many recipients can one bulk payment include?
- Batches scale from a handful of people to thousands. Large runs are processed with per-recipient status so you can see exactly which payments succeeded.
- Can bulk payments go to both M-Pesa and bank accounts?
- Yes. A single run can mix mobile money and bank recipients, which is what most businesses need when permanent staff are paid to bank and casuals to mobile money.
- What happens when a payment in the batch fails?
- Failed payments are retried automatically, and you can set alerts for failures and low balances so nothing is discovered only when a recipient complains.
- Can we trigger bulk payments from our own system?
- Yes. Kiotapay provides a REST API and webhooks, so payouts can be triggered from your payroll, lending or commission platform.
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Works even better together
Kiotapay products share one wallet, one dashboard and one set of books, so adding the next one takes minutes.
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