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Hassle-Free Digital Transactions for Farmers
and Agribusinesses

Responsible digital finance features integrated in KoltiTrace MIS platform solutions. E-payments,
e-wallet-, e-bills, e-loans, e-insurance and financial statements. KoltiPay offers loans, savings,micro-insurance, and the ease of paying for everyday services like bills and prepaid top-ups.


"Split payments are a very helpful feature. Bank transfers can be received during the harvest season. But, when cocoa production is low like nowadays,

I prefer cash payment to fulfill my daily needs."




Enabling Digital Finance for Agribusinesses in Rural Value Chains

Premium Distribution

Effortlessly distribute premium payments to farmers and suppliers at an affordable cost! Our all-in-one dashboard comes with powerful monitoring features, backed by our responsive field teams.

Agri-Input Purchasing

Streamline your business operations by integrating with KoltiPay's features. Enjoy a smooth agri-input purchasing process from farmers to kiosks, distributors, and collectors with secure and convenient payment options.

Manage Loan Application

Simplify the loan application and management process for farmers with KoltiPay Loan, including features for checking loan portfolios, verifying and approving loans, and making repayments.

Crop Procurement

Procure farmers' crops with ease and enjoy convenient payment options through our app, including bank transfer via BRIVA, ATM Bersama, or KoltiPay.

PPOB Transactions

Capacity building in digital and financial literacy to our business users. Individual user support for agri-input shops and crop aggregators along rural value chains.

Go Cashless

Traders do not need to withdraw cash at ATMs or banks that are located far from their location to carry out of the crop transactions, and simply pay farmers through KoltiPay.

Enhancing Financial Inclusion for Producers and Communities in Rural Areas

Make/Receive ePayments

Producers can easily receive payment from traders with KoltiPay on their FarmCloud application. Buy and sell agri-inputs product from their FarmCloud application.

Apply for a Micro-Loan

Easily submit loan applications with just a tap on our app, receive instant approval, and enjoy low-interest rates. We offer both agri-input loans and cash loans.

Pay Bills and Top Up

Producers can use KoltiPay's mobile features to pay for electricity bills, mobile data, and other PPOB facilities. They can also easily top up KoltiPay balance that can be used for purchasing agri-inputs, PPOB services, and more.

Traceable Payment Data

Users can track every transaction and improve their financial records easily.

Go Cashless

Empower producers to create savings. KoltiPay offers ePayment features to virtual bank accounts so Producers have access to digital cash that can easily be disbursed for emergency situations and buying agri-inputs without the hassle of applying for a loan

Split Payments

Producers needs pocket money, they have the option of receiving part of their payment in cash and the rest as cashless via online transfer.

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KoltiPay is available across KoltiTrace Mobile Applications

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Maximize Your Supply Chain Potential:
Act Today to Unlock
Enhanced Traceability and Seamless Digital Finance.

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