Not only do you have to pay salaries, vendors and suppliers, you also need to keep track of who, when and how much was paid. What’s more, your vendors and suppliers typically have accounts in different banks and branches across the country.

Instant Pay


Instant Pay is a secure, web-based payment solution that allows individuals, corporate and government organisations to make payments from their bank account, Sacco accounts , e-wallets to beneficiaries in any of their banks in Kenya.

What Instant Pay can do for you

  • Make easy one-off or recurring credit payments to any bank , sacco , microfinance and mobile money wallet.
  • Make payments from the comfort of your office.
  • Identify which third party has paid and who verified the payment.
  • Monitor account balances across various banks in real time.
  • Receive SMS updates on all payments.
  • Transfer funds across registered accounts.
What Instant Pay can do for your beneficiaries

  • Immediate value for money as their accounts are settled on the same day.
  • Instant notification via email and/or SMS.
  • Benefits from loyalty schemes, price breaks, bonus packages and more.
Product Features

Direct Credit

This feature supports salary administration, pension, supplier and vendor payments, subscriptions and other bulk payments into beneficiary accounts across several banks. The corporate organisation or Ministries, Departments and Agencies prepares a payment file and shares with the bank to upload. The employee, contractor or beneficiary account gets credited instantly, and they receive a notification via email or SMS.

Account Monitoring and Management

This module enables authorised corporate or ministries , departments and agencies personnel to monitor all of their bank accounts from a single web-based view.

Comprehensive Security Features


We have a number of effective security levels to ensure that all transactions are secure, and that your data integrity is never compromised.

Application Level

  • Switch Link Tokens generate one-time passwords to access the system.
  • Report logs for all transactions regardless of their status.
  • Unique reference for each payment transaction.
  • Audit trail storage within the system.
  • Authorization and approval process follows the existing hierarchy and approval limits of the ministries, departments and agencies/corporate organisation.

Switch Level

  • Active Firewalls.
  • Data encryption from start to end.
  • Intrusion Detection System.
  • Message Authentication.
  • Digital Certification.
  • Network Level.
  • Secure Socket Layer (SSL).