One wallet load, many payments
Whether you are paying boda riders, farm workers, NGO beneficiaries or distributor agents, the underlying need is the same: send mobile money to many people at once instead of one number at a time. This page is the practical how-to for bulk mobile money payments in Uganda.
What bulk payment actually means
Instead of opening MTN MoMo or Airtel Money and sending each person individually, a bulk payout tool lets you load a single list of recipients and amounts, approve the total once, and disburse to everyone automatically. The key step is the single approval: you load the wallet once with your PIN, then send to all.
How the load-and-send flow works
- List recipients β name, phone, amount (paste a list or type each line).
- System totals it β you see exactly how much the batch costs.
- Push to approve β your phone shows "Pay Basket UGX xxx? Enter PIN".
- Wallet loads β once approved, the float is ready.
- Send to all β every recipient is paid at once, with a record per person.
Basket Payroll Quick Pay does exactly this β and you do not need to register for your first three payouts. After that, a small service fee applies per batch. Try Quick Pay β
Who uses bulk mobile money payments
| You run⦠| You are paying⦠| Guide |
|---|---|---|
| A boda stage or fleet | Riders & drivers | Pay riders β |
| A farm or cooperative | Casual laborers | Pay farm workers β |
| An NGO programme | Field staff & beneficiaries | Pay field staff β |
| A distribution network | Agents & sales reps | Pay agents β |
MTN MoMo and Airtel Money
Bulk payouts work across both networks β recipients are paid on whichever line their number belongs to. You only manage one batch.
Keeping it compliant
For casual workers earning below the PAYE threshold, no income tax is due, but you should keep a payment log. A bulk payout tool stores every batch automatically β initiator, recipients, amounts and dates β which is your evidence in any URA query and your data for understanding labour cost.
From Getting Paid to Getting a Loan: Informal-Sector Credit
Bulk payments do more than move money β they create a financial footprint for workers who have never had one. That footprint is the key to unlocking loans for informal sector workers in Uganda: boda boda riders, taxi conductors, market vendors, mechanics and casual labourers who have always been locked out of formal credit because they have no payslip, no collateral, and no record a lender can trust. Today most of them turn to roadside "no collateral, quick cash" lenders charging punishing rates β a trap that pushes vulnerable households deeper into debt.
Basket's BwalaPay tool, built on the KaziScore credit model, changes the equation. It converts a worker's real earning and payment behaviour into a verifiable credit profile, so an informal worker can finally qualify for fair, regulated credit. To be clear, Basket is not a lender β it builds the credit profile and connects loan-ready workers to SACCOs and microfinance institutions that do lend. For an employer, a SACCO, or a workers' group, this means the people you pay can also become people who qualify for credit on the strength of the income they earn.
Want the workers you pay to become loan-eligible β to access credit without traditional collateral through a verifiable income profile? Talk to us about pairing bulk payments with BwalaPay credit scoring.
Pay your casual workers in one batch β no account needed
Basket Payroll Quick Pay lets you load a list of names and phone numbers, approve one wallet load on your phone, and send mobile money to everyone at once. Your first 3 payouts are free.