Direct Deposit

Fund once from your bank. Pay everyone.

Your Malipopay identifier is your deposit number. Pay any amount into it from CRDB, NMB or mobile money, free, and the money lands in your Malipopay wallet, ready for salaries, suppliers, agents and refunds.

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Your Malipopay identifier

856214

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CRDB Bank
NMB Bank
Mobile money
Bank: Pay bills, choose Malipopay, enter your identifier.
Mobile money: Top up from phone in your dashboard.
Deposit feeFree

Example number for illustration

Free

To deposit

Any amount

As often as you like

Permanent

Your identifier, never changes

Bank + phone

CRDB, NMB or mobile money

How a deposit works

Three steps from your company bank account or mobile money to your Malipopay wallet.

1

Find your Malipopay identifier

Every Malipopay business already has a permanent six-digit identifier. It is your deposit number. Find it in your dashboard under Payments, then Deposits.

2

Pay it from your bank or phone

From CRDB or NMB, choose Pay bills, pick the Malipopay biller and enter your identifier. From mobile money, use Top up from phone in the dashboard.

3

Money lands in your wallet

As soon as the bank or mobile network confirms, the deposit is in your Malipopay wallet, listed under Deposits, and ready to pay out.

Paying a bill from a mobile banking app

Deposit from your bank or your phone

It is a normal bill payment, so it works on every channel your bank offers, and from your mobile money with Top up from phone.

CRDB Bank

Available

SimBanking, Internet Banking, Branch, CRDB Wakala

NMB Bank

Available

NMB Mkononi, Internet Banking, Branch, NMB Wakala

Mobile money

Available

Top up from phone on M-Pesa, Mixx by YAS, Airtel Money or Halopesa

TCB Bank

Planned

We are working on TCB Bank. Contact us if you bank with TCB.

Deposited money is ready to pay out

It joins the rest of your wallet balance, so you can use it any way you pay today.

Single payouts

Send money to a mobile money number on M-Pesa, Mixx by YAS, Airtel Money or Halopesa, or to a bank account.

Bulk payouts

Pay a whole list at once from one file: payroll, suppliers, agents, members or beneficiaries.

Settlement to your bank

Move money you do not need back to your own verified business bank account, free of charge.

Payouts from your system

Send single or batch payouts from your ERP, payroll system or app with the Malipopay API and SDKs.

Pay hundreds of people from one Excel file

Batch payouts turn a payroll sheet or supplier list into payments, with a check and an approval before anything moves.

  1. 1. Download the Excel template

    Get it from Deposits, Disbursements or New batch in your dashboard. A Guide sheet inside explains every column.

  2. 2. Fill in your payees

    One row per person: payout type, mobile number or bank account, bank, amount, name and a description. Up to 500 rows per file.

  3. 3. Upload and verify

    Upload it as Excel or CSV. Every row is checked, with a name lookup on the account, before anything is sent.

  4. 4. Approve with a code

    Creating the batch sends nothing. The approver sees the total, the fees and the balance left, then approves with a one-time code.

  5. 5. Disburse

    The batch is paid out from your wallet, and every row gets its own status and reference.

malipopay-batch-template.xlsx
Example
TypeAccountBankAmountNameDescription
Mobile0754 000 101-650,000Asha MohamedSalary, September
Bank2010 0000 000NMB2,450,000Kilimo Supplies LtdPO 0098
Mobile0745 000 505-86,500Agent 0142, MwanzaCommission, week 39
Mobile0715 000 808-45,000Grace MushiRefund, order 55102

4 payees, mobile money and bank in one file

Approve with code

What businesses pay with it

From monthly payroll to daily rider earnings, the flow is the same: deposit, upload, approve, pay.

Salaries and payroll

Fund once from your bank or mobile money, then pay the whole staff list to mobile money and bank accounts in one batch.

See how it works

Vendor and supplier payments

Settle invoices from many suppliers in one batch, to their mobile money or bank account.

See how it works

Agent and commission payouts

Pay field agents, sales reps and commission earners straight to their mobile money.

See how it works

Customer refunds

Send money back to a customer’s mobile money or bank account, one at a time or in bulk.

See how it works

Microfinance and lending

Microfinance institutions and lenders send loans to borrowers’ phones and take repayments back into the same wallet.

See how it works

SACCOs, VSLAs and groups

SACCOs, VICOBA, VSLAs and chamas pay members their loans, dividends and share-outs to mobile money.

See how it works

Schools, NGOs and projects

Schools, NGOs and donor projects pay stipends, per diems and cash transfers to beneficiaries.

See how it works

Logistics and driver payouts

Pay boda boda riders, drivers and delivery partners to mobile money, daily or weekly.

See how it works

Insurance claims

Pay approved claims to the policyholder’s mobile money or bank account.

See how it works

Marketing rewards and promotions

Send promotion winners, cashback and referral rewards to customers’ mobile money.

See how it works

Built so money only goes where you meant it to

Controls on the way in and on the way out.

Your business name, shown by the bank

Before the payer confirms a bank deposit, CRDB and NMB show the name of the business that owns the identifier, so the payer can see where the money is going.

Only live businesses receive

Deposits are accepted only for businesses approved to go live, and each deposit is credited once, however many times the bank or network retries it.

One-time approval codes

Payouts and batches only leave your wallet after they are approved with a 6-digit code sent to the person approving by SMS, WhatsApp and email.

Maker-checker for batches

Ask us to switch on maker-checker and the person who uploads a batch can never be the one who approves it.

A secure business wallet

Free to deposit. Published fees to pay out.

You only pay when money leaves your wallet, on the same disbursement tariff every merchant sees.

Free

Deposit from bank or mobile money

Your bank or network may charge its own fee

From TZS 500

Payout to mobile money

Banded flat fee by amount

From TZS 2,500

Payout to a bank account

Banded flat fee by amount

All Malipopay fees are exclusive of applicable taxes and levies. Taxes, levies and other charges required under Tanzanian law are applied in addition where they arise. Settling your balance to your own bank account is free.
See the full disbursement tariff

Questions about Direct Deposit

What is my deposit number?
It is your Malipopay identifier: the permanent six-digit number your business already has, shown as Identifier in the dashboard. Anyone who pays it from CRDB, NMB or mobile money is putting money into your Malipopay wallet. It never changes, so you can save it once as a biller in your internet banking.
How do I deposit from mobile money?
Use Top up from phone on the Deposits page in your dashboard and approve the payment prompt that arrives on your phone. It works on M-Pesa, Mixx by YAS, Airtel Money and Halopesa.
How much does a deposit cost?
Depositing into your wallet is free on the Malipopay side, from a bank or from mobile money. Your bank or mobile network may apply its own standard charge for the payment. Malipopay charges the published disbursement tariff when you pay money out.
Is there a minimum or maximum deposit?
You can deposit any amount, as often as you like, within the limits your bank or mobile money account and Malipopay apply to a single transaction.
How quickly does the money show up?
As soon as the bank or mobile network confirms the payment. It appears in your wallet and in the Deposits list, and the business owner gets an SMS.
Which banks and networks can I deposit from?
CRDB Bank and NMB Bank, through mobile banking, internet banking, a branch or a bank agent, and mobile money by Top up from phone on M-Pesa, Mixx by YAS, Airtel Money and Halopesa. TCB Bank is planned.
When can I start using it?
Your identifier is in the dashboard from the day you sign up. Deposits are accepted once your business has been approved to go live.
Can my system be told when a deposit arrives?
Yes. A deposit.received webhook is sent to your endpoint, alongside the in-app notification.
Can I get my money back to my bank?
Yes. Anything in your wallet can be settled back to your own business bank account.

Start funding your wallet today

Create a free account and your Malipopay identifier is waiting in the dashboard. Moving payroll or a large supplier run? Our team will help you set it up.

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