Last-mile payments
Reach every recipient at the last mile.
Pay people with just a WhatsApp number or email address. They get a secure link to claim their money and choose how to receive it, all from one controlled Decaf workflow.
Trusted by leading organizations
No bank details upfront
Pay people before you have their bank details.
Traditional payouts need complete bank instructions first. With Decaf, you start with a verified phone number or email, and the recipient adds what’s needed in a secure claim flow.
How it works
From approval to access in four steps.
01
Prepare and approve
Create or upload payments and apply your team’s review.
02
Reach each recipient
Decaf sends a secure claim link by WhatsApp or email.
03
Recipient claims securely
They complete any identity or account steps required.
04
Access funds where eligible
They choose from the access options available in their market.
Who uses last-mile payments
Marketplace payouts
Pay sellers and service providers who haven’t shared bank details.
Distributed teams
Deliver approved payroll and contractor funds to people in other countries.
Suppliers with incomplete details
Invite suppliers to claim securely instead of chasing bank information.
Program disbursements
Reach beneficiaries across locations through channels they already use.
Request API access
Built into your platform
Design recipient payment journeys inside your product with the Decaf API.
Now onboarding design partners.
Recipient choice
Recipients choose how to get paid.
Each recipient only sees the options available in their market.
Bank transfer
Transfer to a supported local bank account.
MoneyGram cash pickup
Collect cash at supported MoneyGram locations.
Decaf Visa card
Spend received funds with a Decaf Visa card.
Last-mile payments FAQ
Still have questions?
Start paying recipients at the last mile.
Open your Decaf Business account, or tell us who you need to reach and where.