Direct Deposit

Fund once from your bank. Pay everyone.

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

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Your deposit number

MD1000017

Copy
CRDB Bank
NMB Bank

Pay bills, choose Malipopay, enter your number. The bank shows your business name before you confirm.

Deposit feeFree

Example number for illustration

Free

To deposit

Any amount

As often as you like

Permanent

One number, never changes

CRDB + NMB

Pay from either bank

How a deposit works

Three steps from your company bank account to your Malipopay wallet.

1

Get your deposit number

Every Malipopay business gets its own permanent deposit number. Find it in your dashboard under Payments, then Deposits, or tap Fund wallet, and copy it in one tap.

2

Pay it from your bank

From CRDB or NMB, choose Pay bills, pick the Malipopay biller and enter your deposit number. The bank shows your business name before you confirm.

3

Money lands in your wallet

As soon as the bank 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 the bank you already use

It is a normal bill payment, so it works on every channel your bank offers.

CRDB Bank

Available

SimBanking, Internet Banking, Branch, CRDB Wakala

NMB Bank

Available

NMB Mkononi, Internet Banking, Branch, NMB Wakala

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 CRDB or NMB, 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, the bank shows the name of the business that owns the deposit number, so money never goes to the wrong place.

Typos are refused

Deposit numbers carry a check digit. A mistyped number is rejected by the bank’s lookup instead of paying someone else.

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 CRDB or NMB

Your bank may charge its own bill payment 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 a deposit number?
It is a permanent reference that belongs to your business only. Anyone paying it from CRDB or NMB as a bill payment is putting money into your Malipopay wallet. It starts with MD and never changes, so you can save it once as a biller in your internet banking.
How much does a deposit cost?
Depositing into your wallet is free on the Malipopay side. Your bank may apply its own charges for the bill 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 and Malipopay apply to a single transaction.
How quickly does the money show up?
As soon as the bank confirms the payment. It appears in your wallet and in the Deposits list, and the business owner gets an SMS.
Which banks can I deposit from?
CRDB Bank and NMB Bank today, through mobile banking, internet banking, a branch or a bank agent. TCB Bank is planned.
When can I start using it?
Your deposit number appears in the dashboard straight away. Banks accept it 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.

Get your deposit number today

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

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