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GTBank Automated Payment System (GAPS) is a secure web-based service that facilitates the processing of vendor, supplier or payroll payments in batches or single payments, using secured (https) connections over the Internet. It gives you 24/7 online, real-time access to your account. The GAPS platform allows for multiple authority levels on each profile and can do the the following:

Account monitoring i.e Account statements downloads,
Balance check and real time transactions monitoring
Inter-bank transfers through EFTs or RTGS (Single & Bulk)
Account to Mpesa Transfer (Single & Bulk)
Real time KRA Payments
GT to GT transations (Single & Bulk)
Telegraphic Transfers Currency Conversion (FX)
Utility Payments
Airtime Purchase
Payroll Payments e.g. salaries, bonuses
Vendor Payments etc.
Payment receipts generation



  • Role based system – each user is given a role with specific functions e.g. Uploader, Reviewer, Approver etc.
  • Multi-user solution – supports multiple users for each role
  • Two-Phase Login – every user logs in with an access code in addition to a unique username and password
  • Two factor token authentication – approvers are issued hardware token devices which generates a dynamic password to authenticate log-in.
  • Multi-level transaction authorization – No single user can commence and conclude a transaction except otherwise stated on the account mandate
  • Integrates seamlessly to alternative payment channels EFT, RTGS, PesaLink, International Transfers (both in local and foreign currency)
  • Full audit ability
  • Comprehensive reports – ability to generate payment reports, approval reports etc.
  • Customizable – the system can be customised to meet specific corporate requirements


  • Elimination of cheque-books
  • Efficient and secure channel for making payments and collections
  • Ease of fulfilling your obligations in a timely fashion
  • Online real-time access to your account from any location in the world to initiate and monitor payments
  • Configuration flexibility to align with your payment process flow


Click here to download the GAPS Registration Form

Click here to download the GAPS User Guide


How to Pay your Taxes on GAPS