Your own mobile money.
Your brand. Live in weeks.
PesaBridge gives banks, telcos, fintechs and SACCOs everything an M-Pesa-class wallet needs: customer, agent and merchant apps, USSD, prompt-to-pay and an open API, all running on a double-entry ledger you own.
Download the Android apps
- Double-entry ledger
- KYC and AML built in
- Android · USSD · Web · API
Made in Africa, for Africa — and ready for the world.
- 190+ countries
- 180+ currencies
- 12 languages
- Every mobile network
The customer app
Every way people move money, one tap away.
These are real screens from the PesaBridge Android app, not mock-ups. Your customers get all of it under your name and colours.
Prompt-to-pay
Request. Approve. Paid.
The checkout customers already trust, built into every till and available to your partners through the API.
- 1
The merchant requests
Enter the customer's number and amount in the Business app, a POS, or your own system through the API.
Business app · Request money - 2
The customer approves
A full-screen payment request opens in their wallet showing who is asking and why. They approve with their PIN and get a receipt at once.
Customer app · Payment request - 3
Both sides settle instantly
The ledger posts balanced entries, the customer gets a receipt, the till is notified and a signed webhook tells your system.
Customer app · Receipt
Everyday Africa
Built for the way people really pay.
Market stalls, boda rides, school fees and money home to family. Your wallet has to fit real life, on any phone, on any network.
Customers pay the stall with a prompt or a QR code, and the money is ready to spend straight away.
Riders get paid per trip, straight to the wallet.
Money home in seconds, across borders.
A till, a POS and a back office in one app.
Save, borrow and pay bills from one wallet.
For merchants
A till, a POS and a back office in one app.
Sell from a product list or barcode, charge by prompt or QR, settle to bank or wallet, and close the day with a Z-report.
- Live till balance and daily collections
- Point of sale with stock that updates on every sale
- Request money, refunds and reversals
- Settle to wallet, agent or bank
- Staff operators with their own logins
- Z-reports and full transaction history
One platform
An app for every role in your network.
Customers, agents, merchants and corporates each get a native Android app in your brand, plus USSD, web portals and a back office. iOS is on the way.
Why PesaBridge
Why operators choose us.
Mobile money is easy to demo and hard to run. PesaBridge is built for the parts that actually matter once real money moves.
A ledger you can trust
Stored value sits on a true double-entry ledger. Every transaction posts balanced debits and credits, is idempotent so retries never double-charge, and is reversible through one engine. The books reconcile to zero — the assurance a regulator and a CFO both need.
Reach every customer
Smartphone, feature phone or cash — nobody is left out. Native apps for those with data, a full USSD wallet for those without, and an agent network for cash-in and cash-out. One ledger behind all three.
Your brand, end to end
Apps, USSD shortcode and web portals all carry your name, colours and currency — drawn from one config the apps read live. You run your own deployment; there is no shared tenant and no shared super-admin.
Compliance built in
Configurable KYC tiers and per-transaction and daily limits, AML screening and velocity rules, a full audit trail and regulator-ready reports — so going live doesn't mean bolting compliance on afterwards.
Open by design
An OAuth2 API, a sandbox, prompt-to-pay and signed webhooks let you sweep, settle and reconcile to your core. Rails — banks, mobile money, cards — are pluggable adapters, so you connect what your market needs without touching the core.
Live in weeks, not years
Configure your brand and country, wire your rails, and ship your apps, USSD code and portals from one platform. The hard, balanced-ledger plumbing already exists — you spend your time on go-to-market.
Countries you can launch in
Native apps, one platform
Channels — App · USSD · Web · API
Double-entry, always balanced
For developers
Collect & disburse with a few calls.
Self-serve keys, a sandbox, and a Daraja-style flow: push a charge, the customer confirms in their wallet, you get a signed webhook.
- OAuth2 client-credentials, sandbox + production keys
- Prompt-to-pay (STK push) + status polling
- Signed, retried webhooks (HMAC-SHA256)
- Balance & transaction queries
# 1. Exchange your key pair for a 1-hour token curl -s https://pesa-bridge.com/api/bridgepay/v1/oauth/token \ -H "Content-Type: application/json" \ -d '{"client_id":"pk_test_…","client_secret":"sk_test_…"}' # 2. Push a payment prompt to the customer's phone curl -s https://pesa-bridge.com/api/bridgepay/v1/partner/stk \ -H "Authorization: Bearer $TOKEN" \ -H "Content-Type: application/json" \ -d '{"payer_msisdn":"254708374149","amount":250, "reference":"INV-1001","idem":"inv-1001-1"}'← 200 {"charge_ref":"STK0000123","state":"pending"}→ webhook charge.completed KES 250.00 ✓
FAQ
Questions, answered.
Is PesaBridge a platform I share, or my own?
Your own. PesaBridge is a product BridgeERP resells — every operator gets their own deployment, branded and configured for them. No shared database, no shared super-admin.
Which countries and currencies are supported?
Any. Country, currency, language and KYC rules are configuration drawn from the full ISO set — not hardcoded. We have live markets today and stand up new ones without a rewrite.
Does it work on feature phones?
Yes. The full wallet runs over USSD — send, withdraw, pay bill, buy goods, airtime, balance and statements — settling on the same ledger as the apps.
Can I connect my own banks and payment rails?
Yes. Rails are pluggable adapters — banks, mobile money, cards and PSPs — so you connect only what your market needs.
How fast can we go live?
Weeks, not years. Configure your brand and country, wire your rails, then ship your apps, USSD code and web portals from one platform.
Is it secure and auditable?
Every movement is double-entry and balanced to zero, PIN- and KYC-gated, with signed webhooks and a full audit trail for regulators.
Which apps do operators and their customers get?
Four native Android apps: a User app for customers, an Agent / Super-agent app for cash-in, cash-out and float, a Merchant app to accept and settle, and a Corporate app for bulk payouts with maker-checker approvals, which also runs as a web portal. iOS versions are on the roadmap.
How does settlement and reconciliation work?
Funds settle to the relevant wallet in real time. Every transaction produces balanced ledger entries you can reconcile, with statements and exports, and a GL bridge for your accounting system.
Can it handle loans, savings and group finance?
Yes — overdraft credit, MFI loans with schedules and portfolio-at-risk, goal savings, and savings groups (chama / merry-go-round) are part of the platform and switch on per market.
Do you support bulk disbursement for payroll, aid or subsidies?
Yes. The Corporate portal and API run bulk disbursement to thousands of wallets with maker/checker approvals, payee books, scheduling and full reconciliation.
What does it take to run it day-to-day?
A single operator admin console runs brand, tariffs, KYC, the agent and merchant network, the ledger, reversals, support and KPIs — no code required for everyday operations.
Who owns the deployment and the data?
You do. Each operator runs their own deployment with their own database — branded and configured for them. It's a product you resell as your own, not a shared SaaS tenant.
Ready to launch your wallet?
Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.
Prefer to talk? Call +254 746 883809