How mobile money interoperability works
How wallets, banks and national switches connect: the models, what happens to one payment from end to end, how settlement works, and what it means for your launch.
Customers no longer accept a wallet that only pays people on the same network. Regulators across Africa now push, and often require, wallets to connect to each other and to banks. This paper explains the models, walks through one payment, and lists what to settle, reconcile and test before you connect.
Written for
Product, technology and finance leads at e-money issuers, banks and fintechs that must connect to other wallets, banks or a national switch.
Key takeaways
- Interoperability covers four things: wallet to wallet, wallet to bank, merchant payments and, in some markets, cash-out at another provider's agent.
- A national switch is now the common model: one connection reaches every participant.
- Every cross-network payment has a name check, a debit, a credit and a confirmation; the hard part is the payment that times out in between.
- Settlement between providers happens later than the customer's payment. Your books must show what you owe and what you are owed at any moment.
- Treat reconciliation breaks and disputes between providers as a daily process, not an exception.
What's inside
- 1. What interoperability means
- 2. Three ways to connect
- 3. One payment, step by step
- 4. Settlement: who pays whom, and when
- 5. Fees and pricing
- 6. Standards worth following
- 7. The daily operations nobody plans for
- 8. How PesaBridge handles interoperability
- Before you connect
This paper is general guidance, not legal advice. Scheme rules, fees and settlement arrangements differ by country and change over time; confirm them with the switch operator, your regulator and legal counsel.
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Read the summaryTambayoyi game da hanyoyin sabis da haɗin kai
Me ya sa har yanzu ake bayar da USSD?
USSD yana aiki a kowace waya ba tare da data ba, don haka abokan ciniki masu wayoyi na yau da kullum za su iya aikawa, biya da duba ma'aunin kuɗinsu.
Me haɗin kai yake nufi ga walat?
Abokan ciniki za su iya aikawa zuwa wasu walat da asusun banki, ta hanyar swich na ƙasa ko haɗin kai kai tsaye, ba a cikin hanya ɗaya kaɗai ba.
Biyan USSD da na manhaja suna amfani da littafi ɗaya?
Eh. Kowace hanya tana rubutawa a littafi ɗaya, don haka biya yana bayyana iri ɗaya ko an yi shi a manhaja, ta USSD ko a wurin wakili.
Hanyoyin shiga
Kai ga kowane abokin ciniki, kowace hanyar da suke biya.
Matrix na shiga walat da kake saitawa kowace rukunin mai amfani — abokin ciniki, wakili ko ɗan kasuwa — a kowace hanya.
Hanyoyi & haɗe-haɗe
Haɗa abin da kasuwarka ke buƙata kaɗai.
Hanyoyi adaftoci ne masu haɗawa da ke da mahaɗa guda — tara, biya, ma'auni da callback — don sabon mai haɗawa ba ya taɓa tushe.
Bankuna
Sasantawar RTGS / ACH / SWIFT / SEPA da sarrafa nostro.
Kuɗin wayar hannu
Kamfanonin kuɗin wayar hannu a kowace kasuwa, ta adaftocin hanya.
Katuna & PSP
Karɓar katunan manyan hanyoyin katuna da haɗe-haɗen mai sarrafawa.
Masu biya & kamfanin sadarwa
Kayan aiki, TV, gwamnati, kuɗin makaranta da sakawar katin waya.
Dandalin
Duk abin da walat ke buƙata — tushe guda, naka alama.
Jin daɗin manhajojin da mutane suke so, faɗin dandalin kuɗi na gaske, da gudanarwar SaaS da ke tafiyar da komai ba tare da lamba ba.
A shirye don ƙaddamar da walat ɗinka?
Nemo nuni mu kafa maka alama, ƙasa da hanyoyi — mu bi ka ta manhajoji, gudanarwa da API.
Ka fi son magana? Kira +254 746 883809