Four steps between you and your earned wages. No paperwork. No credit checks. No waiting rooms.
Your employer registers StreamPay, uploads a payroll CSV, and generates invite codes. Takes one afternoon. No IT integration needed.
Download the app. Enter your employer's invite code. Verify your National ID and take a selfie for KYC. Done in 3 minutes.
Open the app. See your available balance. Pick an amount, enter your 4-digit PIN. Money arrives on M-Pesa in 60 seconds.
At month end, HR downloads the StreamPay deduction report. The withdrawal plus KES 100 fee is deducted from your salary. Automatic. Zero stress.
The complete timeline for an employee from first download to first withdrawal.
Download StreamPay from Google Play or App Store. Enter your employer invite code and phone number.
Take a photo of your National ID. Take a selfie. Smile ID matches them automatically. Approval within 2 hours.
Your available balance updates automatically based on days worked. The more you work, the more you can access.
Pick an amount, enter your PIN, confirm. M-Pesa notification arrives within 60 seconds. Weekends included.
Withdrawal amount plus KES 100 fee deducted from your salary automatically. Nothing to repay manually.
You can withdraw up to 50% of your earned salary for the current month. This protects you from over-withdrawing and ensures there is always enough salary left to cover the deduction.
Your balance is calculated based on how many days you have worked this month. If it is the 15th of a 30-day month, you have earned 50% of your salary and can withdraw up to 25%.
The minimum withdrawal is KES 500. There is no maximum per transaction as long as you are within your available earned balance.
StreamPay processes withdrawals at any hour, any day — including weekends and public holidays. Your emergency does not wait for business hours.
Every withdrawal requires your 4-digit PIN. After 3 wrong attempts, your account is temporarily locked for your security.
StreamPay sends money directly to the M-Pesa number registered on your account. You can update this number in your profile settings.