Last-mile payments
Pay people with just a phone number.
Send a business payment to a WhatsApp number or email address. Decaf delivers a secure claim link, and the recipient chooses a local bank account, MoneyGram cash pickup or a Decaf Visa card.
Trusted by leading organizations
No bank details upfront
Stop chasing bank details before you can pay.
Collecting and checking account numbers for every field agent, vendor or beneficiary can cost more than the payment itself, and some people don’t have a bank account at all. Start with a phone number or email, and let the recipient add what’s needed when they claim.
Bank payout or last-mile payment?
| Bank payout | Last-mile payment | |
|---|---|---|
| To start, you need | Full bank details for every payee | A phone number or email |
| Bank details are entered by | Your team | The recipient, when they claim |
| The recipient hears about it | From you, separately | From a WhatsApp or email message |
| The recipient can receive it as | A bank deposit | A bank deposit, cash pickup or card balance |
How it works
From approval to cash in hand.
01
Create the payment
Enter a phone number or email and an amount, or add many as rows in a batch.
02
Decaf reaches them
The recipient gets a secure claim link by WhatsApp or email.
03
They verify and claim
They sign in with the same phone number or email, in their browser. No app to download.
04
They choose how to receive
Bank transfer, MoneyGram cash pickup or Decaf Visa card, depending on their country.
What the recipient sees
A message, a link, and their choice of how to get paid.
Each recipient only sees the options available in their country and for their eligibility.
Bank transfer
To a local bank account in 85+ markets.
MoneyGram cash pickup
Cash at MoneyGram locations in supported countries.
Decaf Visa card
Spend the balance with a Decaf Visa card.
Who you can pay this way
Gig and field workers
Pay drivers, couriers, promoters and field agents per job, with just their phone number.
One-off payees
Pay event staff, interviewees, research participants or referral rewards without onboarding them first.
Small local vendors
Pay sole traders and small vendors who can’t easily provide formal bank details.
Aid and program beneficiaries
Reach beneficiaries through a channel they already use, including people without a bank account.
Paying dozens of people at once?
Add phone numbers and emails as rows in a mass payout of up to 100 payments, with team approvals before anything is sent.
Request API access
Built into your platform
Send claim-link payments from your own product with the Decaf API.
Now onboarding design partners.
Last-mile payments FAQ
Still have questions?
Pay your next recipient with just a phone number.
Open your Decaf Business account, or tell us who you need to reach and where.