Business
Disburse funds to any phone number, anywhere, instantly.
Bulk payouts, payroll, and social transfers - at near-zero cost.
Talk to SalesLower cost
Near-zero transaction fees
Fully compliant
FSP55523, FSCA supervised
No bank accounts required
Phone number wallets
Multi-country
Live across multiple countries
Who it's for
NGOs
Grants and aid distribution at scale
Employers
Pay workers without bank accounts
Fintech platforms
Integrate disbursements via API
Why businesses choose Mandla Money
Speed & Reach
Send to thousands of recipients in seconds
No banking infrastructure required. If they have a phone number, you can pay them - instantly, across networks and borders.
Cost
Near-zero fees at any scale
Traditional payroll and remittance services charge per transaction and per corridor. Mandla Money costs a fraction of a cent - whether you're paying 10 people or 10,000.
Compliance
Built-in regulatory coverage
Mandla Money is a licensed Financial Services Provider (FSP 55523). Disbursements are handled within a compliant framework, including KYC, reporting, and audit trails.
Inclusion
Reach the unbanked by default
No bank account. No smartphone. No data required. Recipients get paid to their phone number and access funds via WhatsApp, SMS, or USSD.
Bulk payout flow
Upload recipients
Add phone numbers via CSV or connect your system via API.
Fund your Mandla Money account
Fund your account via EFT or stablecoin deposit.
Disburse instantly
Send payouts to any phone number in one click - across networks and borders.
Track and report
Monitor transactions in real time, with delivery confirmations and downloadable PDF reports for each payout.
Platform
Built into every payout
Everything your finance and operations team needs, in the same wallet your recipients use.
Payee groups
Build and reuse recipient lists, import them from a CSV, and keep every payout run reproducible.
Pending claims
Pay people who don't have Mandla Money yet. They claim by phone, and you can remind or refund at any time.
Multi-currency funding
Fund disbursements from digital dollars, rands or digital assets held in the same wallet.
Swap & treasury
Convert between supported currencies before you disburse, with the rate and fee shown up front.
Cash out network
Recipients can convert their balance to cash at partner agents across 170+ countries.
Team roles
Invite colleagues as owner, admin, operator or viewer, and change access as your team grows.
Compliant by default
KYC and KYB, sanctions screening, transaction monitoring and travel-rule reporting on every transfer.
Proof of payment
Download a proof of payment for any transaction, with per-recipient results for every batch.
OTC Markets
Large-value digital asset conversions
Mandla Money supports over-the-counter markets for organisations that need to convert or move significant volumes of digital assets with tailored pricing and settlement support.
Talk to SalesBuilt for treasury and institutional flows
Work with our team for compliant OTC execution, liquidity access, and settlement aligned to your operational requirements.
Developer
Integrate in hours, not months
Simple REST APIs for disbursements, balance checks, and transaction orchestration.
POST /v1/disbursements/bulk
{
"recipients": [
{ "phone": "+27812345678", "amount": 150 },
{ "phone": "+27823456789", "amount": 200 }
],
"currency": "ZAR",
"reference": "payroll_jan_2026"
}
// Response 201 Created
{
"batch_id": "batch_7823",
"status": "processing",
"total_recipients": 2
}Trusted by organisations on the ground
Our partners
Ready to move money at scale?
Get started with a tailored disbursement plan for your organisation.