Is Kiotapay licensed to move money in Kenya?

Kiotapay moves funds through licensed payment rails and partners, including M-Pesa and bank channels. For the current regulatory and compliance details for your use case, ask our team during a demo.

Can we migrate from another petty cash app?

Yes. Most teams start by moving one function across, usually petty cash or supplier payments, then add payroll and collections once the controls are set up.

Looking for a TendePay alternative?

TendePay is a Nairobi fintech, licensed by the Central Bank of Kenya, that started as a petty cash tool and now covers payroll, supplier payments and expenses, with M-Pesa, bank and Paybill channels plus instant bank transfers through Pesalink. Kiotapay competes directly on spend and payroll, and additionally handles collections, invoicing and hospitality operations on the same platform.

What TendePay is

Founded: 2020, Nairobi
Started as: A petty cash tool, later broadened into spend management
Licensing: CBK-licensed Payment Service Provider
Channels: M-Pesa, bank transfers, Paybill, and Pesalink instant transfers

Based on publicly available information, checked October 2026. Features change: confirm current details with TendePay directly.

What Kiotapay does differently

One platform for money in and money out

Kiotapay adds collections through Paybill, Till, bank, cards and payment links, plus invoicing, so receivables and payables reconcile together instead of in separate systems.

Payroll with statutory compliance built in

PAYE, NSSF, SHIF and AHL are calculated automatically and updated when rates change, with P9 and P10 reports, digital payslips, leave and employee self-service.

Industry depth

Beyond payments, Kiotapay runs hospitality operations: cloud PMS, a channel manager for 400+ booking channels, and an offline-capable POS.

Built for scale

Bulk disbursements by CSV or API with per-recipient status and automatic retries, and APIs and webhooks to connect your own systems.

Kiotapay Spend Management

Wallets, budgets and approvals that stop overspend before it happens.

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Common questions

Is Kiotapay licensed to move money in Kenya?: Kiotapay moves funds through licensed payment rails and partners, including M-Pesa and bank channels. For the current regulatory and compliance details for your use case, ask our team during a demo.
Can we migrate from another petty cash app?: Yes. Most teams start by moving one function across, usually petty cash or supplier payments, then add payroll and collections once the controls are set up.

Sources

Other comparisons

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