Payments
Collect, pay out and reconcile through the channels you already use.
Your customers know your till number. Your suppliers want a paybill, a bank transfer or an M-Pesa number. FinoQ connects all of it to one balance and one transaction history, so nobody spends the evening matching messages to a notebook.
Works with what you already use
- M-PESA
- Airtel Money
- T-Kash
- Bank accounts
- Paybills
- Tills
- Cards
- Zoho Books
- KRA eTIMS
Collections
Money in, the way your customers already pay.
Every method lands in the same dashboard as the rest, already tied to what it was for.
Bring your own channel
Connect the paybill, till or bank account the business already owns and switch each one on or off. The bank's paybill is filled in automatically.
Payment links
A shareable pay page with your logo, a custom slug, fixed or open amounts, one-time use and an access code, settling into the channel you pick.
Global links and cards
A payer abroad picks their country, sees the methods available there, and pays a converted local amount. Card payments finish on a hosted page.
Invoices and quotations
Collect an invoice by M-Pesa prompt or an auto-generated link that closes once paid, or record cash, bank and cheque payments with a receipt attached.
Hosted checkout
A three-step pay page where the payer chooses a method, gives only the details that method needs, and pays. No account required on their side.
Checkout abuse protection
Bursts of failing payment prompts are watched in real time and flagged or blocked automatically, without you configuring anything.
Payouts
Money out, from one balance.
Send money
Pay M-PESA, Airtel Money or T-Kash numbers, any paybill or till, or a bank account, and transfer between your own accounts. Every payout is approved with your PIN.
Bulk payouts
Pay forty people in one run from saved contacts, groups or a CSV. One run can mix phone numbers, tills, paybills and bank accounts.
Scheduled and recurring
Turn any bulk payout into a monthly salary run or a weekly supplier settlement. Each run keeps its own record of who was paid on which date.
Cross-border
Collect from and pay out to other African countries from the same account, with the amount converted to the recipient's local currency and rates refreshed hourly.
Contacts and groups
Save the people and businesses you pay, import them from a file, and bundle them into groups you can pay in one go.
Spend categories
Tag payouts as Payroll, Rent or Suppliers, and link bookkeeping accounts to channels so incoming money is coded before anyone touches it.
After payment
One dashboard, already reconciled.
Transactions with a timeline
Every collection and payout in one searchable list, each with fees, references, balance after, and a step-by-step journey including reversals.
Statements from a real ledger
Download a PDF statement of account and read the live balance over the API, both drawn from a double-entry ledger.
Home dashboard
Wallet balances, recent collected and paid-out totals, connected channels and a monthly collections-versus-payouts chart.
Control
Built for teams, not just owners.
Organizations and accounts
One organization, several accounts. Each with its own balances, channels and verification tier, so branches stop sharing one M-Pesa statement.
Roles and invites
Invite teammates by phone number, assign a role, and scope their access to specific accounts. No more sharing the owner's login.
PIN and session lock
Money-out actions need a personal PIN. An idle dashboard locks itself and resumes where you left off.
Webhooks and logs
One signed webhook per account with a rotatable secret, plus a log of every request, provider response and callback.
Questions
Payments, answered.
Where does the money land?
In the paybill, till or bank account you connect. FinoQ runs the collection and the payout, and the account stays yours.
Can I use my own M-Pesa (Daraja) credentials?
Yes. Add your own M-Pesa or SasaPay API credentials so transactions run under your own provider accounts. Secrets are encrypted on save and never shown again.
How are payouts approved?
Single payouts are confirmed with a personal PIN. Bulk and scheduled runs are armed with a one-time code sent to the sender's phone.
How fast can I start?
Accounts start collecting into your own channels on a phone-verified Starter tier. Verify more details to add a wallet, payouts, higher limits and API access, tier by tier.
Connect your first channel today.
Start on the Starter tier with your own paybill, till or bank. Verify more when the business needs more.