Talk to us
Module 04 / Money that moves securely

Money that moves securely, reconciled to the ledger

Payments runs the rails that move money across your operation: mobile money, cards, and bank transfers on one PCI-aware foundation. Every collection, wallet transfer, and payout settles to a single ledger, so finance sees the same numbers as operations in real time.

Talk to us What it does
One ledgerwrites to the shared core

01 What it does

Core capabilities.

A unified payments engine for collections, wallets, disbursements, and automated reconciliation across M-Pesa, cards, and banks.

01

Multi-rail collections

Accept M-Pesa, card, and bank transfers through one integration, with STK push, paybill, till, and RTGS handled behind a single API.

02

Wallets and float

Issue named wallets for vendors, drivers, and departments, with held float, spend limits, and instant internal transfers.

03

Disbursements and payouts

Run bulk supplier payments, SACCO dividends, and payroll to M-Pesa and bank accounts on scheduled or triggered batches.

04

Fraud and PCI controls

Screen every transaction with velocity rules, device signals, and sanctions checks on a PCI-DSS aware, tokenised card path.

05

Automated reconciliation

Match settlements, fees, and reversals against provider statements automatically, flagging only the exceptions that need a human.

02 In the product

See it in action.

Real screens from the payments module, every one reading from the same ledger.

Settlement

Collections that clear and settle fast

Track authorisation, success, and settlement across every rail from one control panel.

  • M-Pesa, card and bank rails
  • failed and pending charges auto-retry
  • T+0 settlement to your account
  • live authorisation and success timeline

Reliability

Success rate you can hold a line on

Success rate is tracked per rail and per counterparty so you catch a degrading M-Pesa channel before it costs you volume.

  • success rate per rail, per payer
  • alerts on a degrading M-Pesa channel
  • Safaricom compared against bank collections
  • SACCO payer failure spikes surfaced

Reconciliation

Settlement batches, matched and closed

Each settlement batch reconciles collections against provider statements and posts fees, reversals, and net payouts to the ledger.

  • collections matched to provider statements
  • fees, reversals and net payouts posted
  • unmatched and short-settled items flagged
  • each batch closed in KES
KES 4.2B
Processed monthly
99.72%
Payment success rate
99.9%
Auto-reconciled
T+0
Typical settlement

03 One ledger

Connected to
everything else.

Every collection, wallet movement, and payout writes to the same ledger the rest of the platform reads, so a marketplace order, a delivery, and its settlement reconcile against one record. Finance closes the books against live money movement, not a monthly export.

LogisticsSupply ChainMarketplaceSystems Integration
Built with
  • M-Pesa Daraja API
  • Card tokenisation
  • PCI-DSS
  • ISO 8583
  • Pesalink RTGS
  • Event-driven ledger
  • Webhooks
  • Double-entry accounting

Get started

Put Payments to work.

Talk to us