Payroll Wallet

New

Fund payroll once, pay everyone in 4 minutes

Payroll Wallet is a dedicated, prefunded payroll account built into OnTap — top it up, approve the run, and salaries land in every employee's bank or mobile money account in as little as 4 minutes.

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Payroll payout
4 min
Funds secured
100%
Failed transfers
0
Wallet access
24/7

Instant Disbursement

From approval to payslip in minutes

No more waiting on bank batch cut-off times. Payroll Wallet holds your payroll funds ready to go, so the moment you approve a run, disbursement starts immediately across banks and mobile money.

  • Prefunded wallet — top up via bank transfer, card, or M-Pesa
  • 4-minute average payout time across bank & mobile money rails
  • Real-time disbursement status for every employee
  • Automatic retries for failed transfers, with instant alerts

Features

Everything you need, nothing you don't

  • 4-Minute Payouts

    Once a payroll run is approved, funds are disbursed to employee accounts in an average of 4 minutes.

  • Dedicated Wallet

    A ring-fenced payroll balance, separate from your operating account, so payroll funds are always ready.

  • Bank-Grade Security

    Wallet funds are held with licensed banking partners and protected with AES-256 encryption and TLS 1.3.

  • Mobile Money Ready

    Pay out directly to M-Pesa and other mobile money wallets alongside traditional bank accounts.

  • Auto Top-Up

    Set a minimum balance threshold and Payroll Wallet can automatically top up ahead of your next run.

  • Full Transaction Trail

    Every top-up, disbursement, and reversal is timestamped and exportable for finance and audit.

4 min
Average Payout Time

From approval to bank/mobile money

99.9%
Successful Transfers

With automatic retry on failure

AES-256
Wallet Encryption

Bank-grade fund security

24/7
Top-Up Availability

Fund your wallet anytime

Visibility & Control

Track every shilling, in real time

See exactly where your payroll funds are at every stage — from top-up, to wallet balance, to the moment they land in an employee's account.

  • Live Wallet Balance

    Always know your available payroll balance before you run payroll.

  • Disbursement Reports

    One-click statements for finance, reconciliation, and statutory records.

  • Fraud Monitoring

    Anomaly detection flags unusual top-ups or payout patterns before they clear.

  • Multi-Bank Payouts

    Disburse to any bank or mobile money provider without separate integrations.

How It Works

Payroll Wallet in 3 simple steps

  1. 1

    Fund your wallet

    Top up Payroll Wallet via bank transfer, card, or M-Pesa — or turn on auto top-up ahead of every pay run.

  2. 2

    Approve the payroll run

    Review calculated payroll as usual, then approve — Payroll Wallet takes it from there.

  3. 3

    Funds land in 4 minutes

    Employees receive salaries in their bank or mobile money account in an average of 4 minutes, with instant payslips.

Explore more

More in Finance

Ready for 4-minute payroll?

Fund your Payroll Wallet and give your team same-run access to their pay — no more waiting on bank cut-off times.

Start free trialBook a demo
  • 14-day free trial
  • No credit card required
  • Set up in under 30 minutes