Payments
Multi-channel payment collection, disbursement, and transfer — mobile money, bank, card, and USSD — all reconciled in one ledger.
The Payments module is the financial engine at the core of the YoApp platform. It handles every type of money movement your organisation needs — collecting from customers, disbursing to suppliers and beneficiaries, and transferring between internal accounts — across any channel your customers use. All transactions are reconciled automatically and posted to the GL in real time, with configurable approval workflows for high-value or high-risk payments.
Everything you need, nothing you don't
Multi-Channel Collection
Accept payments via mobile money (EcoCash, OneMoney, InnBucks), bank transfer, ZIPIT, card, USSD, and cash — all posted to the same ledger regardless of channel.
Bulk Disbursements
Pay hundreds or thousands of recipients in a single run — loan disbursements, supplier payments, payroll, beneficiary transfers. Pre-execution validation catches errors before the run starts.
Configurable Approval Workflows
Define approval thresholds and multi-level authorisation chains for outgoing payments. Enforce maker-checker controls on any amount tier or payment type.
Automatic Reconciliation
Incoming and outgoing payments are automatically matched against bank statements and mobile money settlement files — exceptions are flagged with the raw source data attached.
Real-Time GL Posting
Every payment triggers the correct GL entries automatically. No manual journals, no end-of-day batch — your P&L and balance sheet are always current.
Multi-Currency Support
Process and settle payments in USD, ZWG, ZAR, and other configured currencies. FX conversion is handled automatically using live rate feeds.
Payment Scheduling
Schedule future-dated or recurring payments with configurable frequency — weekly supplier runs, monthly loan repayments, or annual insurance premiums.
Transaction Limits & Controls
Set per-transaction, daily, and monthly limits by user role, channel, or customer tier — enforced automatically at the point of submission.
Built for your team
Manage all outgoing payments in one controlled, auditable workflow — with approval gates, limit controls, and real-time GL visibility.
Monitor the full payment flow across channels, agents, and branches from a single dashboard — with drill-down into any transaction.
Access the complete, immutable payment audit trail for any period — exportable for regulatory submissions in minutes.
Often used together with
Ready to activate Payments?
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