Auto-disbursement of commissions and agent incentives

Purpose

1. Automate the entire calculation, validation, and disbursement of commissions and incentives for mobile money agents and sub-agents, removing manual bottlenecks and reducing errors.

2. Automates payout processes for timely compensation, ensuring compliance, transparency, and streamlined professional service delivery within banking networks.

3. Enables fully automated settlement cycles, reporting, and audit trails for agent performance, automating collaboration between banking core, mobile wallets, and accounting platforms.

Trigger Conditions

1. Periodic schedule triggers (e.g., daily, weekly, monthly commission run) automates batch payouts.

2. Transaction volume or value thresholds reached by agents, activating automated incentive workflows.

3. Event-based triggers such as completion of defined agent KPIs, automates additional rewards.

4. Exception triggers for correction or clawback automation on failed or reversed transactions.

Platform Variants

1. PayPal Payouts

• Feature/Setting: “Payouts API” — automates mass payments to agent accounts; configure recipient file upload and callback URL.
  

2. Stripe Connect

• Feature/Setting: “Transfers API” — automates commission splitting to connected agent accounts; configure destination Stripe Account IDs.
  

3. Dwolla

• Feature/Setting: “Mass Payment” endpoint — schedule bulk automated disbursements; set up webhook event for payout completion.
  

4. Wise (formerly TransferWise)

• Feature/Setting: “Batch Payments API” — automates large-scale international agent payouts; upload CSV with agent banking details.
  

5. Flutterwave

• Feature/Setting: “Bulk Transfers API” — automates distribution to mobile wallets; input account numbers and automate transfer requests.
  

6. Payoneer

• Feature/Setting: “Automated Payment Service” API — automates scheduled commissions; set currency, frequency, and recipient IDs.
  

7. SAP SuccessFactors

• Feature/Setting: “Compensation Management” — automates rules for calculating and disbursing agent incentives; map agent records to payment systems.
  

8. Xero

• Feature/Setting: “Bank Payments” API — automate bulk payout reconciliation and remittance advices; configure batch payment files.
  

9. QuickBooks Online

• Feature/Setting: “Send Money” via connected apps — automates incentive processing; set automated triggers by payroll batch.
  

10. Plaid

• Feature/Setting: “Transfer” — automates pulling and verifying agent account details pre-payout; auto-trigger payout when verification passes.
  

11. Oracle Fusion Cloud ERP

• Feature/Setting: “Incentive Compensation” — define automated crediting and automated disbursement schedules.
  

12. Mambu

• Feature/Setting: “Payments API” — automates sending commission payments to agent core banking sub-accounts.
  

13. Fiserv

• Feature/Setting: “Digital Payments Suite” — automates payout initiation via secure file upload integrating with agent mobile wallets.
  

14. Airtel Money API

• Feature/Setting: “Merchant Bulk Payment” — automatedly disburses funds to mobile money agents in real time; specify MSISDN list.
  

15. MTN Mobile Money API

• Feature/Setting: “Merchant Payment Disbursement” — automates transaction-based commission payouts to agent wallets.
  

16. InterSwitch

• Feature/Setting: “Bulk Payouts” — upload batch file and automate distribution to linked agent bank or wallet accounts.
  

17. Temenos Transact

• Feature/Setting: “Payments Hub” — automates commission batching, processing, and posting to agent ledger.
  

18. Zoho Books

• Feature/Setting: “Workflow Automation” — triggers agent incentive bills and automated payment slips.
  

19. Bill.com

• Feature/Setting: “Bulk Payment Automation” — trigger, review, and automate mass agent incentive payments via connected bank accounts.
  

20. Salesforce

• Feature/Setting: “Process Builder” — automate agent commission case approvals, notify payouts, and update CRM automatically.
  

Benefits

1. Automates routine payout processes, reducing human error and fraud risk.

2. Accelerates payout cycles, improving agent engagement through faster incentive access.

3. Enables transparent, rules-based disbursement, supporting audits and compliance automation.

4. Reduces administrative overhead with automated reconciliation and reporting.

5. Provides scalable models for growing agent networks via flexible automation triggers and configuration.