Workplace Financial Wellness · Built for Kenya

Reach payday
early, interest-free.

TariPay lets your team draw the salary they've already earned — instant M-Pesa, zero interest, no approval. Plus compliant payroll, a self-growing welfare fund, and Kakeibo money coaching. You stay in control of every shilling.

Try the calculator
Zero interest, always KES 50 flat fee M-Pesa & KCB Employment Act compliant
A TariPay employee
AW

Aisha got KES 15,000

in 28 seconds · 0% interest

Credit score

0

Very Good · 1.5× limit

KES 0

welfare per advance →
grows the fund

Zero interest — always Instant M-Pesa disbursement KES 50 flat welfare fee PAYE · NSSF · SHIF · Housing Levy automated One advance at a time Auto salary-deduct repayment Employment Act compliant AES-256 encrypted 2FA on every login No CRB risk Zero interest — always Instant M-Pesa disbursement KES 50 flat welfare fee PAYE · NSSF · SHIF · Housing Levy automated One advance at a time Auto salary-deduct repayment Employment Act compliant AES-256 encrypted 2FA on every login No CRB risk
M-PESA KCB Buni Safaricom Daraja KRA-compliant

0s

From request to M-Pesa

0%

Interest, ever

KES 0

Flat welfare fee per advance

0

Modules in one platform

Everything, in one place

Built around how money actually moves

Instant disbursement

Request to M-Pesa in under a minute — no manager approval

The system checks every eligibility rule in real time and disburses immediately via M-Pesa B2C or KCB EFT. The employee never waits, the employer never lifts a finger.

You receive

KES 14,950

Disbursed

via M-Pesa

0% interest, forever

No interest, no hidden charges — only a flat KES 50 welfare contribution that goes back to your own staff.

A welfare fund that grows itself

Every advance adds KES 50 — funding bereavement, medical and school-fee emergencies.

KES 0,200

virtual welfare balance

Simple by design

Four steps. Zero friction.

01

Fund the Pool

The employer funds the Advance Pool via M-Pesa or KCB. You control the balance.

02

Employee Requests

Staff pick an amount up to their auto-limit, a term on a slider, and tick consent.

03

Instant Disbursement

Eligibility is auto-checked and money sent immediately via M-Pesa or KCB.

04

Repaid via Payroll

Auto-deducted next salary run. KES 50 quietly grows the welfare fund.

In your team's pocket

An advance is three taps away

No branch, no forms, no awkward conversations. Employees see their exact limit, choose an amount, and the money lands on M-Pesa — all from their phone.

1

See your real limit

Calculated live from salary, credit score & the legal cap.

2

Pick amount & term

A live summary shows exactly what you receive and repay.

3

Get paid instantly

M-Pesa B2C in seconds — track every advance & payslip.

Good morning,

Aisha W.

AW

Available advance limit

KES 30,000

Request amount

KES 15,000

You receiveKES 14,950
InterestKES 0

KES 14,950 sent

to M-Pesa 0712••••678

in 28 seconds · 0% interest

Try it live

Salary advance calculator

Move the sliders — this is exactly what an employee sees. No interest, ever. The only deduction is the flat KES 50 welfare contribution.

KES 15,000
KES 1,000KES 50,000 limit
3 months
1 month6 months

Illustrative. Real limits are set per employee from gross salary, credit score and the Employment Act cap. Monthly repayment can never exceed 50% of gross pay.

You receive on M-Pesa

KES 14,950

Principal
KES 15,000
Welfare contribution
– KES 50
Interest
KES 0
Total to repay
KES 15,000
Monthly instalment
KES 5,000
For the employer

Run the whole company from one screen

Pool balances, disbursements, repayments and workforce financial health — live, with full audit trails.

Advance pool

KES 420,000

Disbursed (mo)

KES 318,500

Repaid (mo)

KES 295,000

Welfare fund

KES 84,200

Monthly disbursements vs repayments

KES '000
Jan
Feb
Mar
Apr
May
Jun
DisbursedRepaid

Workforce health

Healthy 62%

Moderate 20%

At risk 18%

Repayment trend

98% on-time this quarter

Fair & automatic

A credit score for every employee

0

Very Good

Excellent2.0×
Very Good1.5×
Good1.25×
Fair (start)1.0×
Poor0.5×

On-time

+10 pts

30+ days late

−80 pts

Money, organised

Four pools, full transparency

Funds always stay in the employer's own account. TariPay just moves them on the rails.

1

Salary Pool

Net salaries

2

Advance Pool

Instant advances

3

Expense Pool

Reimbursements

4

Welfare Fund

Emergencies · +KES 50

One platform

Nine modules, fully integrated

Your subscription tier unlocks exactly what you need — from lean HR + Payroll to the full wellness suite.

HR

Profiles, departments, documents & leave with configurable approval chains.

Payroll

Runs, payslips & full statutory compliance — calculated to the shilling.

Salary Advances

Instant auto-disbursement, credit scoring, repayment tracking — 0% interest.

Expenses

Claims, approval chains and M-Pesa reimbursement to the employee.

Welfare

HOD-raised emergency requests from the self-growing welfare fund.

Assets

A company asset register with employee assignments & history.

Kakeibo

Personal money wellness — health score, spend breakdown, goals, alerts.

Reports

HR, payroll, advances & expense analytics with exports.

Subscription

Plan tiers, automated invoicing & M-Pesa billing per headcount.

Payslip · April 2026

Jane Mwangi · Permanent

Net pay
Gross salaryKES 80,000
PAYE− 13,413
NSSF− 4,320
SHIF (2.75%)− 2,200
Housing Levy (1.5%)− 1,200
Advance repayment− 5,000
Net payKES 53,867
Payroll & compliance

Statutory deductions, to the shilling

Run payroll for the whole company in a few clicks. TariPay applies current Kenya rates automatically, deducts active advances, generates payslips and disburses net salaries via M-Pesa.

PAYE

Progressive 10–35%, KES 2,400 relief

NSSF

Tiered 6% — Feb 2026 rates

SHIF

2.75% of gross, min KES 300

Housing Levy

1.5% of gross salary

Kakeibo · Financial planning

Help your team master their money

The century-old Japanese art of mindful budgeting, adapted for Kenyan employees. Private for each person, anonymous and aggregate for leadership.

Employee dashboard

0

Health

Moderate · improving

Scored 0–100 from debt load, savings rate & spending — with the exact reasons why.

Spend breakdown

Needs50%
Wants30%
Savings12%
Debt8%
  • ✓

    Savings goals

    School fees, emergency funds, holidays — to completion.

  • ✓

    12-month trend

    Income vs spending vs savings over time.

  • ✓

    Weekly reflections

    Four mindful check-ins a month.

  • ✓

    Smart alerts

    Nudges from real data, not generic tips.

  • ✓

    Payroll auto-sync

    Net pay & deductions added automatically.

  • ✓

    Fully private

    Reflections & goals never exposed.

For leadership — anonymous & aggregate

0

Avg health

0%

In debt risk

0

Departments

Who it's for

Built for everyone involved

A finance team reviewing TariPay
For Employers

Retain talent by investing in their wellbeing

  • ✓It's your own money — no lending licence, no liability
  • ✓Instant advances with zero admin bottleneck
  • ✓A welfare fund that grows itself, KES 50 at a time
  • ✓Auto-reconciled with payroll deductions
  • ✓Predictable, per-employee subscription cost
A happy TariPay employee
For Employees

Reach payday early — interest-free

  • ✓Money on your M-Pesa in seconds — no approval wait
  • ✓Zero interest — only a KES 50 welfare contribution
  • ✓No CRB listing, no risk to your credit
  • ✓Repaid automatically from your salary
  • ✓Every advance, payslip & goal in one place
Security & compliance

Built to be trusted with payroll

AES-256 encrypted 2FA Role-based access Employment Act 2007 Full audit trail

Two-factor on every login

Password plus a one-time SMS/email code, every time.

AES-256 encrypted credentials

M-Pesa & KCB keys encrypted at rest — never plain text.

Role-based access control

Each user sees only what their role permits.

Configurable approval chains

Money moves only after the right people sign off.

Employment Act consent

A logged, voluntary consent on every advance.

Full audit trail

Every transaction & status change is timestamped.

Loved by teams

Real people, real peace of mind

4.8 / 5 by Kenyan employees

4.8

from 1,200+ reviews

5★
82%
4★
13%
3★
3%
2★
1%
1★
1%

0+

Teams onboarded

0k+

Advances disbursed

0%

Repaid on time

“My car broke down two weeks before payday. I requested an advance and the money hit my M-Pesa in seconds — no interest, no begging anyone. Lifesaver.”

Aisha Wanjiru

Aisha Wanjiru

Sales Associate · Nairobi

“No more borrowing from apps that ruin your CRB score. It comes straight out of my salary and that's it. I actually sleep better now.”

Brian Otieno

Brian Otieno

Warehouse Lead · Mombasa

“Setting up payroll and advances took an afternoon. The welfare fund has already helped two staff through emergencies.”

Mercy Achieng

Mercy Achieng

HR Manager · Kisumu

“The Kakeibo dashboard changed how I think about money. I'm saving towards school fees for the first time.”

David Kimani

David Kimani

Operations · Nakuru

Why TariPay

The smarter alternative

Traditional options cost your team more and put you at risk. TariPay is built differently.

 
TariPayEmployer-funded
 Bank Loan Mobile Lenders
Interest charged None (KES 50 fee) 12–25% p.a. 30–50%+ p.a.
Approval time Instant 3–14 days 5 minutes
CRB / credit risk None Affects score Affects score
Repayment Auto salary deduct Manual Auto mobile deduct
Employer control Full None None
Employment Act 2007 Built-in External Varies
Transparent pricing

Plans for every team size

Monthly Annual 2 months free
All plans: + KES 50 welfare per advance · 0% interest, always
Tawi
200KES/emp/mo

1 – 10 employees

  • ✓HR Management
  • ✓Payroll & payslips
  • ✓Leave Management
  • ✓Reports
  • –Expenses
  • –Asset Tracking
  • –Welfare & Advances
  • –Kakeibo Planning

Setup: KES 10,000

Jani
350KES/emp/mo

11 – 50 employees

  • ✓HR Management
  • ✓Payroll & payslips
  • ✓Leave Management
  • ✓Asset Tracking
  • ✓Expenses (reports)
  • ✓Reports
  • –Welfare & Advances
  • –Kakeibo Planning

Setup: KES 10,000

MtiMost Popular
500KES/emp/mo

51 – 200 employees

  • ✓HR Management
  • ✓Full Payroll + disbursements
  • ✓Leave & Asset Management
  • ✓Expenses with M-Pesa/KCB
  • ✓Welfare & Salary Advances
  • ✓Reports
  • +Kakeibo Planning +150

Setup: KES 20,000

MsituEnterprise
Custom

200+ employees

  • ✓All modules included
  • ✓Full payroll & disbursements
  • ✓Welfare & Salary Advances
  • ✓Kakeibo Financial Planning
  • ✓Dedicated onboarding
  • ✓Custom integrations
  • ✓SLA & priority support

Setup: Negotiated

Questions, answered

Frequently asked

Everything employers ask before rolling out TariPay. Still unsure? We'll walk you through it.

Still have questions?

Talk to our team — we typically reply within 24 hours.

No. TariPay is not a bank or lender and never charges interest. The employer uses their own funds to advance salaries; we provide the rails and structure. The only deduction is a flat KES 50 welfare contribution per advance — which goes back to the company's own welfare fund.

The employer, always. Funds stay in the company's own M-Pesa or KCB account, organised into four pools. Employees can never draw more than the Advance Pool holds, and every shilling is logged with a full audit trail.

Automatically — the lowest of three values: their credit-score band (gross salary × multiplier), the Kenya Employment Act cap (1× salary for permanent, 2× for contract), and the rule that monthly repayment can't exceed 50% of gross pay.

Seconds. When an employee submits a valid request, the system auto-checks eligibility and disburses instantly via M-Pesa B2C or KCB EFT — no manager approval step.

Yes. Every advance carries a logged, voluntary consent agreement (Employment Act 2007), and payroll applies current PAYE, NSSF, SHIF and Housing Levy rates automatically.

Automatically deducted from the next payroll run, or paid manually by the employee via M-Pesa. No collections, no chasing — and on-time repayment lifts the employee's credit score.

Up and running in a day

Give your team a real financial safety net

Join Kenyan businesses using TariPay to retain talent, run compliant payroll, and end the cycle of shylock debt.

Email Us

We typically respond within 24 hours · info@tari.africa