Streamlining B2B Payouts with Dipay Disbursement

A. Knowing the Why?

While Dipay had long served individual users with personal finance features, the company lacked a platform for businesses to send money at scale, whether for payroll, vendor payments, or project-based disbursements.

At the time, there was no live product, only raw wireframes and a working internal title: “Dipay Enterprise”. The goal was clear — to help businesses process large volumes of outbound transfers reliably in a single flow.

Together with 2 product designers and a PM, I led the design of Dipay's first B2B-facing platform, launched publicly as Dipay Disbursement.

That insight led us to design a new product:

Dipay Disbursement → a transactional tool built to simplify bulk transfers, track real-time statuses, and support enterprise-scale reconciliation with minimal manual effort.

This led us to the development of three key modules:

Dashboard Overview → provides high-level metrics and batch summaries for a quick operational glance.

Bulk Upload & Review Flow → upload hundreds of rows at once, validate in real time, and confirm with confidence.

Transaction Logs & Export → lets teams filter results, find failures, and download clean reports for reconciliation.

Multi-Account Management (Admin only) → Admins can manage multiple “Maker” accounts under one company. This includes inviting users, activating roles, and removing access.

The intention behind these features was clear:

To help business teams disburse funds with confidence, eliminate friction in operations, and gain full control over their transaction pipelines.

B. Design Process

We started with aligning user needs and business priorities, then evaluated existing solutions in the market to find gaps and opportunities.

User Goals

Perform bulk transactions efficiently → Upload Excel or CSV files with thousands of rows, validate them in real-time, and confirm confidently.

Minimize transfer errors and delays → Provide downloadable templates and real-time feedback so issues can be fixed immediately.

Track and reconcile payouts easily → Real-time statuses, filters, and exports designed for accounting and finance workflows.

Manage team access securely → Allow Admins to create, activate, and monitor multiple user roles under a single company account.

Business Goals

Lower support and ops load → Users should be able to resolve issues themselves through clear feedback and guided flows.

Win and retain enterprise clients → Offer a seamless bulk disbursement tool as a competitive edge in the growing B2B payments market.

Key Findings

We looked into Flip Business and Mekari Talenta to understand how other platforms approached bulk disbursement flows, and where we could improve.

Benchmarking from Flip for Business

Benchmarking from Mekari Talenta

How are bulk transactions handled? → Flip offers basic CSV support with no feedback. We added templates, size limits, and preview before confirmation.

How is status communicated? → Talenta uses tabs to separate transaction types. We chose inline colored status chips, visible directly in the transaction table.

How is reconciliation supported? → Others offer generic exports. We added custom column selectors and date filters to match enterprise accounting needs.

Feature Aspect Table

These insights helped us design a product that doesn't just “do the job”, but helps users feel in control every step of the way.

Login Page

Designed with secure business credential logic, company ID, email, password, as the starting point for enterprise separation.

New Login Page

Dashboard

Provides visual summaries of transaction counts and amounts, with filterable graph by time period and transaction status.

New Homepage

Bulk Transaction Upload

Download template → Upload CSV/Excel (max 10,000 rows) → Review validation results → Confirm. Helps reduce upload friction while increasing data accuracy.

New Transactions Page

Transaction Logs

Full log of transactions with inline status, filters (by date, bank, status, and keyword), and actions like view details and export.

New History Transactions Page

Deposit

Users can initiate balance top-ups, select preferred bank accounts, and track payment history.

New Deposit Page

New Top up Page

Admin Settings

Admins can upload company logo, update contact information and adjust deposit notification settings.

New Profile Page

Multi-Account Management

Admins can invite Makers, monitor account status (Active / Not Active), and manage user access — centralizing organizational control in one place.

New Multi-Account Page

D. Learnings

Designing Dipay Disbursement taught me that B2B UX must prioritize clarity, reliability, and precision over visual complexity.

Dipay Disbursement went from internal concept to live product in under 6 months and remains a cornerstone in Dipay's enterprise strategy.

Live Website