Decaf

Last-mile payments

Reach every recipient at the last mile.

Reach recipients through WhatsApp or email, guide them into a secure Decaf claim experience, and support eligible ways to access their funds—all from one controlled workflow.

Availability, timing, and access options depend on the recipient, market, account, and payment route.

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  1. 01Prepare and control
  2. 02WhatsApp or email
  3. 03Secure Decaf claim
  4. 04Eligible value access

Recipient reach

Reach people before you have their payout details.

Traditional bulk payouts often begin with complete bank instructions. Distributed recipient programs may begin with only a verified contact channel. Decaf lets an authorized sender address a recipient through WhatsApp or email, then direct that person into a secure claim flow where identity and eligible access steps can be completed.

WhatsApp and email carry the notification and secure claim link. They do not settle the payment.

Controlled from end to end

One controlled path from instruction to recipient access.

  1. 01

    Prepare the payments

    Create or upload approved recipient instructions in the supported Business workflow.

  2. 02

    Review and authorize

    Resolve validation, review totals, and apply supported team controls.

  3. 03

    Reach each recipient

    Send a secure claim invitation through WhatsApp or email.

  4. 04

    Complete the claim

    The recipient follows Decaf’s secure experience and completes required account, identity, or route steps.

  5. 05

    Access funds where eligible

    Show only the supported access options returned for that recipient and market.

Eligible options vary by recipient and market.

Distributed operations

Last-mile payment workflows for real operating jobs.

Decaf moves approved payroll funds; it does not calculate payroll or provide employment, tax, benefits, or withholding services.

The recipient experience

Familiar reach. Secure claim. Eligible choices.

The contact channel starts the journey; the secure Decaf experience owns required progression and route selection.

  1. Recognize the invitation through WhatsApp or email01
  2. Continue through a secure Decaf claim02
  3. Complete the account, identity, or route steps required03
  4. See only access options available for that recipient04

Conditional value access

Let eligibility determine the final mile.

Access is based on the recipient, market, account, and route—not a universal promise.

Bank transfer

Transfer to a supported bank destination where available.

Bank coverage and timing vary by eligible route.

MoneyGram cash pickup

Eligible Personal recipients may withdraw through supported MoneyGram cash-pickup locations.

This is a Personal withdrawal option, not a universal Business-originated payout rail.

Decaf Visa card access

Eligible Decaf cardholders may spend received Decaf value with their Decaf Visa card.

This is not push-to-card; card and jurisdiction eligibility apply.

Operator visibility

Keep every recipient outcome connected to the batch.

Follow supported batch, recipient, validation, claim, and payment states from the Decaf workflow so your team can identify what completed and what needs attention.

Related payment paths

Choose the workflow you need.

Run many controlled payments

Explore mass payouts and Business disbursement operations.

Pay international suppliers

Plan a supported supplier-payment route.

Explore supported routes

Review available funding and payment corridors.

Connect your product

Explore design-partner access for programmable workflows.

Last-mile FAQ

Questions about recipient reach and access.

Build the right route

Plan your last-mile payment workflow.

Tell us who you need to reach, where recipients are located, and how many payments you expect to make. We will review the workflow and confirm eligible routes and next steps.

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