We simplify expenditure so you can get on with it!

  • Have you been a victim to petty cash theft, cheque fraud, inflated or ghost worker payments?
  • Do you find yourself in the office just to sign cheques, or being followed to do so even when you are unavailable?
  • Are you still paying workers in bulk by cash, sending a list to your bank or a difficult to use bulk payments platform?
  • & do you struggle to maintain expense accounts & easily retrieve records when needed?

These headaches are now a thing of the past because Popote Pay enables your business, no matter its size, to go 100% digital on payments. It offers sky high transaction limits & instant multi-channel delivery with a host of management & expense accounting features which reduce losses, increase efficiency & drive growth & profits.

Partners:


Use Cases

Running a household may be the most important business of all however most do not manage expenditure properly. The difficulty arises from not being able easily track expenditure against budget & a disconnect between spouses knowing what the other is spending. Popote Pay enables all payments to be made using it, so records are together in one place. With its real-time collaboration spouses have visibility on the total expenditure happening in their household.

Example use case:

Sign up & add other users e.g spouse, teenage kids, domestic staff (who have a smartphone). Each receive logins via SMS & have different rights Fund your Popote Pay account each beginning of week or month with the amount budgeted. If splitting, each partner can fund their portion separately. Pay for all your usual daily expenses just as you would with mobile money but with features including higher limits & expense records Allocate teenage kids their allowance as a combined weekly/monthly & per transaction limit. Receive notifications whenever they spend Allocate domestic staff with a budget as a combined weekly/monthly & per transaction limit. Approve payments that are above their limits Receive expense reports via email or download them & always know exactly where your money is going

Many Kenyans in employment also have some form of side hustle however most do not manage expenditure properly. The difficulty arises from not being physically present and therefore not in control of the movement of money. Popote Pay enables all payments to be made using it & makes it easy to track expenditure as all payment records are in one place. It is collaborative allowing payments to be either made by an employee of the side hustle or routed for approval to the owner, wherever they may be, thus eliminating many of the risks that occur due to absence.

Example use case:

Sign up & add other users e.g spouse, business partner, manager, driver. Each receive logins via SMS & have different rights Fund your Popote Pay account each beginning of week or month with the amount budgeted. If splitting, each partner can fund their portion separately. Pay for all your usual expenses just as you would with mobile money but with features including higher limits & expense records Allocate your manager if you have one a budget as a combined weekly/monthly & per transaction limit. Receive notifications whenever they spend Receive expense reports via email or download them, separated by household & side business’s to know exactly where your money is going Set budgets against jobs or projects & track expenditure into them so you know which are the most profitable & you can double down on them

Micro business owners struggle with maintaining records of their expenditure & are often unable to tell if they are making money or not. They also usually have an assistant who they may find it difficult to entrust with finances. Popote Pay enables owners work better with an assistant while maintaining control over finances & maintaining bookkeping records which drastically improves the chances of success.

Example use case:

The assistant gets the price of items needed & using the Popote Pay App creates payment to the supplier The owner receives an SMS notification, using the popote pay app they review the details, categorizes & approves Payment is instant, the supplier receives it & hands items over to the assistant, who can now get back to work At the end of each month owner receives the weeks expense account via email. They can also download it for any period using the app or web The expenditure into each job or project is separated so the owner can easily know which are the most profitable & double down on them

Most SMEs start out of the owners skill or passion but with growth they find most of their time being spent on administration. Of these duties managing expenditure is the most time consuming. Popote Pay reduces the time it takes while improving how well it is done, so owners & managers of SMEs can get on with more important things

Example use case:

An accountant using app or computer creates payment requisitions with details such as the GL category, explanation notes & attachments Payment requisitions can be from Kes 100 to 10M so everything from petty cash, Suppliers, Payroll, utilities & everything can be paid The approvers usually the owner or a manager & owner receives an SMS notifications & review details & approves it depending on their limit Payment is instant to mobile nos on any network, tills, paybills & Bank accounts. International transfers are also completed in 2 days For payroll PAYE, NHIF, NSSF amounts are calculated & paid at the same time. For Vat a single statement is compiled for use in filing monthly returns The owner has accurate expenditure records at their fingertips while the manager can export the data to their accounting package, quickbooks or excel

Corporates have well defined systems in account payables & use accounting or ERP systems for requisition & approvals of expenditure prior to cash being handed out, cheques being written or bank transfers instructed. Popote Pay provides an API integration that empowers these systems to complete payments digitally

Example use case:

Accountants using the ERP system creates payment requisitions with details such as the GL category, explanation notes & attachments Payment requisitions can be from Kes 100 to 50M so everything from petty cash, A/C Payables, Payroll, utilities & even taxes can be paid The requisition is sent from the ERP to Popote Pay. Approvers by hierarchy receive SMS or email notification, review the details & approve Payment is instant to mobile nos on any network, tills, paybills & bank accounts. International transfers are also completed in 2 days The accounting system or ERP is updated while using Popote Pay the management can review detailed expenditure statements & analytics

Chamas in all their different configurations & goals are a great way of leveraging the power of many, however they often fail because of the difficulty in following up contributions & lack of transparency in expenditure. Popote Pay handles both contributions & expenditure enabling the chama operate optimally

Example use case

The chairman or treasurer signs up & adds other officials as creators & approvers of payments while members are added as contributors Using the app members can make their periodic contributions by pulling funds from their mpesa. Officials can also send reminders within the app Accumulated contributions can either be settled to the bank account or expended against the projects or activities being undertaken by the group Officials can create & approve requisitions according to their hierarchy. Payments can be categorized by projects & tracked against agreed budgets All members can access contributions & expenditure reports for themselves saving time in meetings & causing trust through transparency

NGOs & aid program managers apart from needing to manage their own expenditure like any other business also have the task of distributing monetary aid however statistics show that the majority of funds never reach the grassroots level where it is meant to make a difference. Popote Pay cuts out middlemen by delivering payments to the final beneficiaries en-masse while making it simple for program managers to account back to donors

Example use case:

Using the app field operatives register aid recipients with fingerprint biometrics & their mobile number or nearest mpesa agent if they have none When time, lists of the aid recipients are prepared in excel & uploaded on Popote Pay as a bulk requisition to their mobile numbers or nearest mpesa agent The approvers with up to 3 levels usually ending with the program managers but even upto the donor if needed review the bulk payment details & approve Recipients receive the funds either to their mobile numbers or via their agent where they are verified biometrically via the app, before being given cash The program managers & donors can filter & download disbursement data & the donors, usually based oversees can also access it for auditing purposes

Institutions both government & non-government often experience cases of fraud in expenditure, from pilferage of petty cash, inflation of invoices, collusion with suppliers & payment of ghost workers. Popote Pay curbs corruption in expenditure through a rigorous requisition/ approval process & traceability of funds to final recipients

Example use case:

Accountants using the ERP system creates payment requisitions with details such as the GL category, explanation notes & attachments Payment requisitions can be from Kes 100 to 50M so everything from petty cash, A/C Payables, Payroll, utilities & even taxes can be paid The requisition is sent from the ERP to Popote Pay. Approvers by hierarchy receive SMS or email notification, review the details & approve Payment is instant to mobile nos on any network, tills, paybills & bank accounts. International transfers are also completed in 2 days The accounting system or ERP is updated while using Popote Pay the management can review detailed expenditure statements & analytics

videos

Household

Business

Chama



Audio


Business Owner

Manager / Accountant

Household / Side Hustle

Diaspora



Trusted Across All Industries


Features

Operations

Pay for absolutely everything from petties, supplies, salaries, utilities & taxes. Collaborate on requisition/approvals with your team. Simplify bookkeeping

Savings

Park surplus funds from your wallet into fixed deposit for as little as 7 days & receive interest at attractive rates much higher than those offered by Banks


Wallet

Access all your sources of funds in one place. Link your Bank or Mpesa Acs or deposit cash through any branch of our partner banks

Payments

Pay without daily limits in single or bulk to mobile nos, buygoods, paybills & bank accounts, with instant delivery, 24 hours a day

Teamwork

Accountants can create payment requisitions which managers or owners review & approve from anywhere, on their device