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The simple way to get paid and pay people.

Pay many people at once, run payroll, send invoices that collect themselves and get paid for whatever you offer, all on mobile money.

Get startedSee how it works

Free to start. Built for businesses across Africa, live in Rwanda.

Your shop sends RWF 90,000 to the 6 people in Weekend crew, and it lands on each of their mobile money numbers in seconds.

Pay people instantly.

Salaries, commissions or supplier bills, straight to their mobile money numbers. Not sure of a number? Send a link instead.

Your shop sends invoice INV-0042 for RWF 45,000 to a business client. Payol sends a reminder, the client pays with mobile money, the money lands in your Payol wallet and the invoice is stamped paid.

Invoices that collect themselves.

Itemised, sent the way your client prefers and followed up on schedule, so you never have to chase a payment.

Your shop shares one payment link for a Kitenge dress. Three customers open it on their phones at different times, each pays with mobile money, and every payment lands in your Payol wallet.

Get paid for anything.

Products, services or donations. Set up a checkout once and accept mobile money from anyone.

Paying people means one transfer at a time.Getting paid means following up.And the books never quite add up.

Pay your team and partners in one go.

Staff, suppliers, participants, or agents. Upload the list, approve it once, and the money lands on their numbers in seconds.

  • Your team saved once, paid in one go
  • Salaries ready before every pay day
  • Failed payments come straight back to your balance
Your shop approves one payment for its 4 staff and 3 partners: a supplier, a rider and an agent. The staff are paid straight to their mobile money, the partners choose where to receive theirs, and the payment's record ticks everyone off.

No account needed to receive.

The money lands straight on their mobile money, and the record shows who has been paid and when.

Invoices that pay themselves.

Set it up once. Payol follows up, collects the payment and closes the invoice for you.

  • Sent the way your client prefers
  • Timely reminders before, on and after the due date
  • Marked paid the moment the money lands
Your shop writes invoice INV-0042 for RWF 45,000 and sends it once. Payol reminds the client before and on the due date, the client pays from their phone, the money lands in your Payol wallet, the invoice is marked paid and the last reminder never goes out.

Know where every invoice stands.

Each invoice shows whether it's sent, viewed, due or paid, and a payment marks it paid on its own.

Get paid for what you offer.

Three ways to get paid feed one Payol wallet: customers buy from your shop page, a client pays a request for your work, and supporters each give an amount they choose to a cause.

A checkout for everything you sell.

Price, photos and stock in one place, and every sale recorded the moment it's paid.

From tap to receipt.

Customers pay on a page made for mobile money, and the people you pay receive theirs just as easily.

A customer pays a payment link on their phone: they type their MTN MoMo number, tap Pay, approve with their PIN and get a receipt.

Built for mobile money.

No app, account or card. Customers enter their number, approve on their phone and get their receipt straight away.

Someone you pay opens their payout link, picks MTN MoMo, types their number, confirms the amount and gets a receipt once it lands.

They choose where it lands.

No app or account. Recipients pick MTN MoMo or Airtel Money, type their number and get a receipt once it arrives.

Know exactly where your money is.

Every balance opens into the lines behind it: what came in, what went out and what's set aside.

  • Available, pending and reserved
  • Gross, fee and net on every line
  • Withdraw to mobile money any time
A wallet with RWF 412,500 available, RWF 18,000 pending and RWF 90,000 reserved: a link payment waits in pending, payout links set money aside in reserved, and a paid invoice adds to available.

One balance, three parts.

Available is yours to withdraw, Pending is still being confirmed, and Reserved is held for payouts on their way.

Money moves only when it should.

  • A shop is checked and earns its verified badge.

    Verified businesses

    Every account is checked before it takes or sends money.

  • A payment stays pending until the mobile network confirms it.

    Confirmed by the network

    A payment counts only once mobile money confirms it.

  • A one-time code is entered cell by cell, and the lock opens.

    A code for every big step

    Withdrawals and payouts need a one-time code.

  • A correction joins the ledger as a new line, and the lines before it stay as they were.

    History that never changes

    Corrections are new lines, each with its reason.

Questions, answered.

Anything else? [email protected]

How much does Payol cost?

Free to start, with no monthly fee. A small fee applies when money moves, and you always see it before you confirm. See pricing

Do my customers need an account?

No. They pay from a secure page with their mobile money number and approve on their phone. Their receipt follows straight away.

Do the people I pay need Payol?

No. The money goes straight to their mobile money, with nothing to install and no account to open.

Can I pay salaries every month?

Yes. Set each person's pay once and choose a pay day. Every run is ready for you to check a few days ahead, and your team is paid on the day, with a payslip if you want one.

Where does Payol work?

In Rwanda today, with MTN MoMo and Airtel Money. Payol is built for businesses across Africa, and more countries are on the way.

When can I use the money I receive?

Most payments are in your Available balance as soon as the network confirms them. Withdraw to your mobile money whenever you like.

What do I need to get started?

Sign up with your phone or email and start right away. To go live, add your business details, an ID and a payout account for us to review.