When disbursements happen as cash or ad-hoc bank transfers, there is no segregation, no two-person control and no clean reconciliation — exactly what donors and regulators distrust.
Raast, JazzCash, EasyPaisa and cards — pick the right rail per payment, all from one interface.
Every payout needs a second pair of eyes; large amounts escalate to trustee co-sign automatically.
Separate sub-ledgers for Zakat, Sadaqah and Khairaat — a Shariah ring-fence that never co-mingles.
Daily automated matching of payouts to bank statements, with exceptions flagged for review.
Disburse to hundreds of beneficiaries or vendors in a single approved batch, with per-line status.
Penny-test verification and bank-change holds stop misdirected funds before they leave the account.
Six controlled steps — from request to a reconciled, audited payout.
An approved case or vendor invoice creates a payout request with amount, rail and fund source.
A maker prepares the payment; the system enforces the correct fund sub-ledger and beneficiary details.
A separate checker reviews and approves; large amounts require trustee 2-of-N co-sign.
Penny-test and bank-change holds verify the destination account before release.
Funds move on the chosen rail; the beneficiary or vendor is paid directly — never loose cash.
The payout is matched to the bank statement next day and written to the hash-chained audit log.
Zakat collected in Ramadan is tracked in its own sub-ledger and can only be disbursed to eligible asnaf categories — provably.
A medical supplier is paid only after delivery proof is logged, with maker-checker on the release and same-day reconciliation.
300 widows receive a monthly stipend via a single approved bulk run to Raast, each line tracked and reconciled.
Yes — KhairPay follows a multi-tenant merchant pattern. Each NGO connects its own merchant so settlements and funds are never pooled across organisations.
Zakat and Sadaqah sit in dedicated sub-ledgers, tagged to the eight asnaf, and cannot be spent outside their permitted categories.
Maker-checker is mandatory on every payout, and amounts above a configurable threshold require trustee 2-of-N co-sign.
Payouts are automatically matched against bank statements daily, with any exceptions flagged for manual review.
