Pay and categorize payments on the go, enforce approval workflows before money leaves, and see every transaction the moment it happens not at month-end. Kiotapay gives finance teams the control and visibility they need without slowing work down. Built for Kenyan businesses running on M-Pesa, bank transfers, and cards.
Why Use Kiotapay
One platform to issue, approve, track, and reconcile every business expense
Give finance, ops, and leadership a shared view of spending health so decisions are made from the same numbers, not fragmented reports.
See where money is moving and where pressure is building, so you can plan ahead, protect working capital, and avoid last-minute surprises.
Build trust with investors, boards, and auditors through clean records and consistent controls that scale as your business grows.
Five steps to bring every purchase into policy and every transaction into the books.
One platform to issue, approve, track, and reconcile every business expense
Require manager approval before an employee wallet is funded, a payment is sent, or a budget is tapped with full flexibility.
Tie spend directly to a project or cost centre. Track budget vs. actuals per initiative in real time
Assign monthly or quarterly budgets to each department. Track aggregated spend across the team against the target.
Control how much any individual user can spend or request without escalating for approval.
Rescue your accounts payable department with efficient, accurate and timely e-invoicing processing. Free your accounts payable team to add strategic value to your business.
Gain real-time visibility into invoice approval and payment status, which can reduce time spent on back and forth emails and calls.
Track supplier performance with data on payment history, lead times, and spend categories to negotiate better terms and make informed sourcing decisions.
Streamline supplier onboarding and management with a centralized directory that includes contact information, payment terms, and performance metrics.
Live dashboards showing spend by department, project, employee, and category. Set budget alerts so you know when a team is approaching their limit, before they exceed it.
Real-time transaction feed
Budget burn-rate tracking with proactive alerts
Spend breakdowns by category, project, team, and more.
Exportable reports with flexible filters and dimensions
Every card transaction is automatically matched to its receipt, category, and project code. Sync directly with QuickBooks, Xero or other ERPs. Your finance team stops chasing paper and starts doing strategic work.
Tagging of transactions to projects, categories, and cost centres at the point of spend
Receipt matching and attachment at the point of spend
Direct integration with QuickBooks, Xero, and other ERPs
Audit-ready reporting with a complete immutable record of every transaction
Automation
Spend policies and approval workflows that enforce the rules automatically — so finance doesn't become the bottleneck.
Automation
Set rules once, auto-approve under a threshold, require receipts for travel, block unapproved vendors. Kiotapay enforces them on every request.
Live policy engine
Automation
Require receipts at the point of spend. Requests without documentation are blocked before they reach an approver, not flagged after the fact.
Receipt compliance
Automation
Fund your wallet and see the money reflect in your account in seconds. No need to wait for manual transfers or approvals to release funds when your team needs them.
Auto-topups
Automation
Multi-level approval chains that route themselves. Every request goes to the right approvers based on amount, category, or team, automatically.
Approval chain
Step 1
Manager
Step 2
Finance
Step 3
CFO
Kiotapay has revolutionized the way we handle payments. The integration was seamless and the support team is fantastic!
Jane Kamau
Head of Operations, Tech Solutions Ltd
Create controls that scale, without adding manual work.
Define spend rules by team, user, project, vendor or category and enforce them automatically.
Collect receipts at the point of spend and keep audits always ready.
Track budgets, limits, and transactions instantly across the organization.
Route spend requests to the right approvers with full context and controls.
Auto-code transactions and sync to your ERP or GL with confidence.
Manage spend across subsidiaries, projects, and regions from one console.
Streamline your finance operations by integrating Kiotapay with your existing apps.
FAQs
Everything you need to know about setting controls, automating approvals, and giving teams the speed to spend responsibly.
Ready to revolutionize your finance management? Take the next step and explore Kiotapay!