Collect, pay and run payroll from one business wallet.
Khala Pay brings M-Pesa and bank collections, approved payouts, payroll and HR into one place, on the web and on your phone.
Collect and pay across
Khala Wallet · Collections
Get paid by M-Pesa and bank, and see it land in real time.
Every business gets its own Khala wallet with an account number customers can pay into. Money arrives, is matched to the right wallet and shows up on your dashboard the moment it clears.
M-Pesa STK push. Send a payment request to your customer's phone; they enter their M-Pesa PIN and it's in your wallet.
Paybill payments. Customers pay to your account number and it's credited and recorded automatically.
Bank deposits. Bank transfers into your wallet are reconciled against the statement, not typed in by hand.
Invoices. Bill a customer and let them pay the invoice by STK push or Paybill.
Khala Wallet · Payouts
Pay anyone, on any rail, with approvals built in.
Send money from your wallet to phones, businesses and banks. Every payout goes through your approval rules and your budgets before it leaves.
Mobile money. Pay staff and suppliers straight to their M-Pesa.
Paybill, Till and bank. Pay bills and businesses, or send to any Kenyan bank through PesaLink.
Khala wallet transfers. Move money instantly to any other business on Khala, free of charge.
Approvals and budgets. Requests need an approver and a PIN, and spending stops at the budget you set.
Budgets & approvals
Spending limits that actually hold.
Set a budget for the whole wallet or by category. Every payout is checked against it before it goes, and nothing moves without the right approval.
Wallet and category budgets. Cap spending for a period across the wallet, per category, or both.
Holds at the limit. A payout that would go over budget is held instead of sent.
Alerts and extensions. Owners are alerted as a limit gets close and can extend it or start a new budget, with every change recorded.
Maker and checker. The person who requests a payment can't approve it, and approvers confirm with their PIN.
Payroll
Payroll with Kenyan statutory deductions done for you.
Run the whole month in minutes. Khala Pay works out each employee's net pay, sends one payroll for approval and pays everyone to their own M-Pesa or bank account.
Statutory deductions. PAYE, NSSF, SHIF and the Housing Levy, calculated with current rates.
One approval. The whole run goes for approval as one request, not one per employee.
Paid where they want. Each salary goes to the employee's own M-Pesa or bank account.
Payslips and P9. Every employee gets a payslip, and P9 forms are ready at year end.
HR & Leave
Leave, attendance and HR records in one place.
Set leave rules once and let your team request time off from their phones. Managers approve on the go and balances stay right.
Leave policies. Leave types and accrual rules that fit how your business works.
Requests and approvals. Employees apply from the app; managers approve or decline in a tap.
Attendance and balances. See who's in, who's away and how much leave everyone has left.
Salary advances and HR profiles. Handle advance requests and keep KRA, NSSF and SHA details on file, encrypted.
People
Your employees, customers and suppliers, in one directory.
One list of everyone your business works with, shared across Khala products, with the right level of access for each person on your team.
Employees. Invite your team one by one or import everyone from a spreadsheet.
Customers and vendors. Keep contacts and payment details ready to invoice or pay.
Roles and permissions. Admins, accountants, HR and employees each see what their role needs.
One account for every product. The same people show up in Khala POS and every other Khala app.
Free calculators
Work out net pay and payout costs in seconds.
The same calculations Khala Pay uses when it runs your payroll and sends your payouts.
KES
KES
House, transport, overtime and other taxable pay
Take-home pay
KES 45,311.65
Costs your business KES 64,550 a month
Rates effective 1 Feb 2026: NSSF 6% (Tier I up to KES 9,000, Tier II up to KES 108,000), SHIF 2.75% (min KES 300), Housing Levy 1.5%, PAYE after KES 2,400 personal relief. For a resident employee with no other reliefs.
Employee payslip
Gross pay
KES 60,000
NSSF
Tier I KES 540 · Tier II KES 3,060
− KES 3,600
SHIF
− KES 1,650
Housing Levy
− KES 900
PAYE
KES 10,938.35 tax less KES 2,400 relief on KES 53,850 taxable pay
− KES 8,538.35
Net pay
KES 45,311.65
Employer contributions
NSSF (employer)
KES 3,600
Housing Levy (employer)
KES 900
NITA levy
KES 50
Total cost to business
KES 64,550
Built for control
Everything a finance team expects, from day one.
A wallet per business
Run several businesses, each with its own wallet, account number and team.
Budgets that hold
Set limits for the wallet or by category. Payouts stop when a budget is used up.
Statements on demand
Download CSV or PDF statements for any period, or email a protected copy.
Real-time updates
Collections, approvals and payouts appear the moment they happen.
Security by default
A PIN on every payout, automatic sign-out when idle, and personal data encrypted.
Web and mobile
The same account and the same wallet on app.khalapay.com, iOS and Android.
Mobile app
Your business wallet, in your pocket.
Everything in the web app, built for your phone. Sign in with the same Khala account and pick up where you left off.
- Approve payments and payroll from anywhere, with your PIN
- Top up by M-Pesa and pay in a few taps
- Employees request leave and get payslips on their phones
Open your business wallet today.
Create your account, verify your business and start collecting and paying, on the web or on your phone.