The smartest way to manage ZAR payments and business expenses
A unified suite of tools for managing business spend
Duplo centralizes payments, reconciliation, expense management, and financial reporting into one integrated platform, helping businesses automate workflows and maintain full visibility over their financial operations.
Expense management
Control, track, and optimize your business expenses in real time. Automate approvals, streamline reimbursements, and stay on top of every rand spent.
Local Payments (ZAR)
Send fast and secure payments to vendors, staff, and partners; all managed from one dashboard with real-time visibility.
Virtual Accounts
Create dedicated ZAR virtual accounts for departments, vendors, and collections so every payment is easy to track, reconcile, and audit.
Full visibility of your expenses, all in one place
Submit
Create expense accounts for different departments. Easily mark expenses as reimbursements for quick claims.
Set Budgets
Set budgets for categories or teams. Stay on track & avoid overspending with clear spending allocations and expense policies.
Approve
Ditch the manual approval process. Set up custom approval workflows for your teams and departments.
Track
View the transaction history for each expense account to easliy trace the flow of funds and stay on top of your cash flow.
Power your businesss with our payment APIs
Build secure, automated financial operations with our modern API suite. From ZAR virtual accounts to local payouts, reconciliations, and approval routing — you can embed your entire financial workflow directly into your systems.
Why
South African Businesses Choose Duplo
Faster settlement
Make same-day local payments with full visibility into transaction status
Full visibility & audit trails
Track every payment with transparent approval history and real-time reconciliation
API-first architecture
Integrate Duplo payments directly into your internal systems or enterprise tools.
Enterprise-grade security
Your data and transactions are fully encrypted and protected by bank-grade protocols.
Local ZAR Payments
Send fast, secure local payments to vendors, suppliers, and team members. No more switching between banking apps, invoices, and spreadsheets. ​
Includes:
EFT payments | Wallet-to-wallet disbursements | Vendor payment history tracking | Spend limits and rules per department
Expense Management
Track, approve, and control expenses across your entire company. Gain real-time visibility, enforce policies, and eliminate manual paperwork.
Includes:
Upload receipts from mobile or desktop | Submit expenses in seconds | Categorize spending automatically | Monitor real-time budgets per team | Prevent overspending with rules & limits
Smart Approval Workflows
Create approval flows that match your company’s structure, without manual review delays.
Includes:
Multi-level approval routing | Role-based or amount-based approval rules | Notifications to approvers | Department-level workflows | Complete audit trail
Real-Time Reporting​
Make informed decisions with instant insights into everything happening inside your business
Includes:
Real-time dashboards | Auto-generated monthly reports | Local tax reporting support | Exportable CSV, PDF, and accounting files | Complete payment & expense logs
Vendor & Department Wallets
Assign virtual wallets to vendors, departments, or projects to track inflows and outflows effortlessly.
What This Unlocks:
Granular visibility | Easier reconciliation | Better cost allocation | Transparent vendor payments
What you can do with Duplo
- Pay vendors and staff locally in ZAR
- Track team expenses in real time
- Set smart approval workflows
- Reconcile faster with automated matching
- Generate audit-ready reports instantly
- Prepare tax documentation for compliance
- Sync data with upcoming Xero integration
Join the league of winning business using Duplo
Our mission is to ensure that African business can transact easily with one another and globally. We are doing this one business at a time. Join us!
For me, Duplo means simplified efforts! We had a long list of processes and procedures for making payouts to our beneficiaries but with Duplo, where you are, anywhere you are, you can do that with little effort. Duplo has been a very big plus to us.
The first thing that stood out to me was finally being able to create an approval process for expenses, it really lightened the load for me. Plus, having different expense accounts have made our accounting process very seamless, no more going through bank statements line by line. Duplo is like our personal accountant!
Duplo has been a gamechanger for our business. Our expenses now go through the right approval chain, reports are cleaner, and quarterly audits are now easier to put together.
Duplo has completely transformed the way I manage expenses across my region. I now have full visibility into how much is spent per store and can quickly identify which items consume the largest share of funds. The transparency and speed it brings to expense management are truly brilliant.
My experience with Duplo has been pretty good to be honest. My expense management and business payments have been optimised ever since I started using Duplo Spend, and I sincerely look forward to a sustained relationship across board.