Payment Flow

Payouts

Pay anyone, anywhere, staff salaries, supplier invoices, agent commissions, customer refunds. RealPay's Payouts flow handles high-volume disbursements accurately and at scale.

Payouts is the outbound payment flow, money moving from your business to others. Whether you are paying staff, settling supplier invoices, disbursing insurance claims, paying agent commissions, or issuing customer refunds, the Payouts flow gives your business a centralised, auditable way to manage all outgoing credit transfers. RealPay's payouts infrastructure is built for volume, businesses submit batch disbursement files containing hundreds or thousands of payments in one operation, processed reliably through the banking network.

What this flow covers

  • High-volume batch credit transfers for payroll, commissions, and supplier payments
  • Instant real-time disbursements to bank accounts and mobile wallets (PayShap, Mobile Money)
  • Customer refunds and insurance claim settlements processed on scheduled dates
  • Cross-border payouts to regional markets in Africa via Mobile Money networks

RealPay strongly recommends pairing any payout operation with AVS-R account verification before releasing funds to eliminate misdirected payments, closed accounts, and identity mismatches.

Products in this flow

Payouts

Disburse salaries, refunds, and supplier payments accurately and at scale, with built-in account verification to ensure every cent reaches the right account.

  • Non-Disputable
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

Mobile Money

Reach unbanked and underbanked customers across Africa. Accept and disburse payments directly through mobile wallets on MTN, Vodacom, Airtel, and more.

  • Recurring Payments
  • Instant Payments
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

PayShap

South Africa's real-time interbank payment system. Send and receive money instantly, 24/7, using just a mobile number or ShapID.

  • Instant Payments
  • Non-Disputable
  • Integration Ease (API Access)
Businesses (B2B)Customers (B2C)

SaaS (RealPay TurnKey)

RealPay's all-in-one payments platform, collections, payouts, and verification in a single dashboard. Go live in days, not months.

  • Recurring Payments
  • Instant Payments
  • Tracking
  • Non-Disputable
  • Risk Reduction (Verification)
  • Integration Ease (API Access)
Businesses (B2B)