TariPay is a payroll-integrated platform that gives employees on-demand salary advances — zero interest, no approval needed, instant M-Pesa disbursement. A KES 50 welfare contribution per advance builds a company welfare fund for employee emergencies.
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Jane Mwangi
Advance Limit
KES 30,000
Credit Score
720 · Very Good
Advance Disbursed
KES 15,000 via M-Pesa
Welfare fee
KES 50
0% interest
KES 50
Welfare contribution per advance
0%
Interest rate — always
Instant
Request to disbursement
100%
Employer-controlled funds
A fully transparent, employer-driven process. Your money, your rules, our platform.
Deposit funds into your company's advance pool via M-Pesa or bank transfer. You stay in full control of the balance.
An employee requests an advance through the TariPay portal — only up to their eligible limit based on salary and credit score.
The system auto-checks eligibility and disburses instantly via M-Pesa or KCB — no manager approval required.
The advance is automatically deducted from the employee's next salary. No collections, no chasing payments.
TariPay is more than salary advances — it's a complete workplace financial platform for Kenyan businesses.
Employees request advances and receive funds instantly via M-Pesa or KCB — no approval needed, zero interest.
Run payroll, generate payslips, and track salary payments. Statutory deductions and compliance built in.
Employees raise emergency welfare requests that go through your company's approval chain before disbursement.
Fund your pool via M-Pesa STK Push or KCB. Transparent transaction logs for every shilling in and out.
Repayments deducted automatically at payroll — no manual follow-ups or debt collection, ever.
Monitor pool balance, outstanding advances, repayment rates and employee financial health from one screen.
Kakeibo is a personal financial wellness tool built into TariPay — inspired by the Japanese art of mindful budgeting. Every employee gets a private dashboard to track income, spending, savings goals, and financial health.
A private, personal finance dashboard
Health Score (0–100)
An at-a-glance score based on debt load, savings rate, and spending habits — know instantly if finances are improving or slipping.
Spend Breakdown
See exactly where money goes each month — needs, wants, savings, and debt — in a clear visual breakdown.
Savings Goals
Set a target — school fees, emergency fund, holiday — and track every contribution towards it.
Weekly Reflections
Four short check-ins each month — what did you spend on, what could you cut, how are your goals? Build mindful money habits over time.
Smart Alerts
Personalised nudges based on real data — "Your loan repayments are 25% of income, safe limit is 20%" — not generic tips.
Payroll Auto-Sync
Net salary and advance deductions are synced automatically after each payroll run — no manual data entry for the basics.
Aggregate wellness analytics — no personal data exposed
Available on Mti and Msitu plans. Choose who pays:
Company pays
One invoice for all staff
Employee pays
Each pays via M-Pesa
Traditional salary advance options cost your employees more and put you at risk. TariPay is built differently.
| Feature |
TariPay
Employer-funded
|
Bank Loan | Mobile Lenders |
|---|---|---|---|
| Interest charged | None (KES 50 welfare fee) | 12–25% p.a. | 30–50%+ p.a. |
| Approval time | Instant (no approval) | 3–14 days | 5 minutes |
| Credit check required | No (internal limit) | Yes (CRB) | Yes (CRB) |
| CRB risk to employee | None | Affects credit score | Affects credit score |
| Repayment method | Auto salary deduct | Manual payment | Auto mobile deduct |
| Employer visibility | Full control | None | None |
| Legal compliance (EA2007) | Built-in | External | Varies |
Financial stress is the #1 cause of lost productivity. TariPay gives your team a safety net — funded by you, no third-party lender involved.
Unexpected expenses happen. With TariPay, request a portion of your salary in advance — zero interest, instant disbursement, no approval needed.
One simple monthly fee per employee. Pick the plan that fits your team — upgrade anytime.
1 – 10 employees
One-time setup: KES 10,000
11 – 50 employees
One-time setup: KES 10,000
51 – 200 employees
One-time setup: KES 20,000
200+ employees
Setup fee: Negotiated
Monthly invoice = plan rate × number of active employees · Billed at the start of each month
Join businesses across Kenya using TariPay to retain top talent and reduce financial stress in the workplace.
We typically respond within 24 hours · info@tari.africa