Event-Driven Payouts: Automating Driver and Creator Payments

If you run a marketplace — whether it’s a ride-hailing platform, a gig economy app, or a creator monetisation tool — you’re probably spending too much time on payouts.

Here’s what that usually looks like: at the end of the week, someone exports a CSV of completed transactions, runs it through a spreadsheet, applies commission rates, cross-references disputed rides, and eventually uploads a batch transfer to Paystack or Flutterwave. Then they do it again next week.

Monigo automates this entirely.

How event-driven payouts work

Instead of batch processing at the end of a period, you emit an event every time something happens that should trigger a payout:

• A ride is completed
• A creator’s content crosses a monetisation threshold
• A freelancer’s invoice is approved

Monigo accumulates these events, applies your payout rules, and generates payout slips — ready to be transferred at whatever cadence you choose (daily, weekly, on-demand).

Setting up payout rules

In Monigo, a payout rule maps events to transfer amounts. For example, a ride-hailing platform might configure:

event: ride_completed
recipient: event.driver_id
amount: event.fare * 0.80   # driver keeps 80%

The rule engine handles percentage splits, flat deductions, minimum thresholds, and holds for disputed transactions.

The ledger is always accurate

Every event is recorded in Monigo’s immutable ledger. If a customer disputes a charge, you can replay the events to show exactly what happened and when. No more “I think we paid that” — the ledger is the source of truth.

This also means you can replay events. If you discover a bug in your payout calculation, you can fix the rule and reprocess affected events without manually recalculating everything in a spreadsheet.

Triggering batch transfers

When you’re ready to pay out, Monigo batches all approved payout slips and submits them to your payment provider as a bulk transfer. Flutterwave’s bulk transfer API is supported natively — no custom integration required.

You get a webhook when the batch is submitted and another when individual transfers settle.

Real example: RideShare NG

One of our early customers processes 15,000 rides per day across Lagos and Abuja. Before Monigo, their operations team spent three days every month on payout reconciliation.

Now they run payouts every Monday morning with one click. The process takes about 40 seconds.

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Ready to automate your payouts? Start a free trial or read the payout documentation.