Six native apps and web portals. Every role covered.
A consumer super-app, an agent app, a merchant app and a corporate app, native on Android and iOS and themed from your brand, plus web portals, all on one balanced ledger.
One platform, six apps
The apps, in depth
Six native apps and web portals. Every role covered.
Native Android and iOS, themed from your brand, for customers, agents, merchants and corporates.
User app
The consumer super-app.
- Send to any number or QR
- Pay Bill, Buy Goods (Till), airtime & bundles
- Prompt-to-pay confirmation with PIN
- Deposit & withdraw at agents
- Loans, savings & chama groups
- Statements & in-app KYC onboarding
Agent app
The cash backbone.
- Customer deposits & withdrawals
- Request and receive float
- Live commissions & balances
- Super-agent: manage sub-agents
- Field onboarding of customers
- Thermal / SMS receipts
Merchant app
Accept and settle.
- Accept Till / Pay Bill / QR / STK
- Request money from a customer
- Refunds & reversals
- Instant settlement to wallet
- Products, inventory & scan-to-sell
- Staff operators & sales reports
Corporate app & portal
Disburse at scale.
- Bulk disbursement to thousands
- Maker / checker approvals
- Payee books & templates
- Scheduled & recurring payouts
- Reconciliation & exports
- Role-based multi-user access
See it on a real phone
Pay a bill on *234# in four steps
The live PesaBridge USSD menu, exactly as a customer sees it on a feature phone.
Try it: dial *234#
Press the keys on the phone or type on your keyboard, then the green key. Use PIN 1234. This is a demo: no money moves.
The demo uses the same request and reply format as a telco gateway. To go live, the telco connects your short code to the platform and the menu stays the same.
Every channel, one balance
On every phone — and in cash.
A wallet that only ships as an app writes off most of a market on day one. PesaBridge reaches everyone, and every channel moves the same balance.
The everyday wallet runs over USSD — send, withdraw, Pay Bill, Buy Goods, airtime, balance and a mini statement — for the customer on a feature phone with no data, PIN-gated and settling on the same ledger as the apps. The agent network turns digital value into physical cash and back: deposits and withdrawals at any outlet, with float flowing down a super-agent → agent hierarchy and commission worked out on every transaction and paid monthly after approval.
Smartphone users get six native apps: a consumer super-app, a Send app for transfers abroad, an agent app, a merchant app, a counter app for shop tills and a corporate app for bulk payers, which also runs as a web portal. Merchants accept Till, Pay Bill, QR and prompt-to-pay, and settle instantly. For partners, an OAuth2 API with a sandbox, prompt-to-pay and signed webhooks lets a business collect and disburse programmatically.
The point is that app, USSD, agent and API all move the same balance on the same ledger. A customer can deposit cash with an agent, send over USSD, and have the recipient pay a merchant by QR — and every step reconciles. No segment is left out, and no channel can drift from another.
How it works
How money moves.
Every step settles on the same balanced ledger — cash in, wallet, payments, cash out — across apps, USSD and agents.
Cash in
A customer deposits cash with an agent. Agent float debits, the wallet credits — balanced.
Wallet
Value lands in a stored-value wallet on the double-entry ledger, PIN- and KYC-gated.
Send & pay
Send to another wallet, Pay Bill, Buy Goods by QR or STK, buy airtime — instantly.
Cash out
Withdraw at any agent; the agent float credits and the wallet debits.
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, USSD for everyday payments 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
FAQ
Questions, answered.
Buying PesaBridge
Can we start with part of the platform?
Yes. The Starter plan covers the customer and agent apps with the back office and KYC. Merchants, the developer API, USSD, lending, savings and bulk payments switch on later on the same ledger, so nothing is rebuilt as you grow.
How is PesaBridge priced?
Four ways: the Starter, Growth and Enterprise plans, or a Partnership in which you pay no licence fee and we share net revenue instead. The proposal builder on this site gives your exact price and a draft contract in about 10 minutes.
What do you need from us to launch?
A licence, or a licensed partner that holds the customer funds; accounts with the banks and payment providers you want to connect; your brand; and your tariffs. Once the provider credentials arrive, a first country usually goes live in 4 to 12 weeks.
Can we try it before we sign?
Yes. Request test access and you receive the Android apps for the products you pick, the web portals and test logins by email. Everything runs in a sandbox, so no real money moves. Developers can open a sandbox account on the developer portal at any time.
What support and training do you provide?
Every plan includes support: email on Starter, priority support on Growth, and a service-level agreement with onboarding on Enterprise. During the launch we train your back-office, support and agent-network teams, and the help hub, guides and API docs stay online for everyone.
The platform
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. Over USSD, customers send, withdraw, pay bills, buy goods, buy airtime, check their balance and get a mini statement, 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?
Six native Android and iOS apps: a User app for customers, a Send app for transfers abroad, an Agent / Super-agent app for cash-in, cash-out and float, a Merchant app to accept and settle, a Counter app for shop tills, and a Corporate app for bulk payouts with maker-checker approvals, which also runs as a web portal.
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