Guides · 11 min read
The platform
One balanced core. Every channel. Your brand.
A unified, modular mobile financial services platform — wallets, agents, merchants, billers, USSD and a developer API on a single double-entry ledger, run from a SaaS admin without code.
The hard part
Mobile money is simple to demo and brutal to run.
From the outside it's a balance, a send button and a PIN. Underneath, it's a clearing system — and that's where most teams lose two years.
That balance is a real liability that must sit on a ledger which never loses a cent. Money moves between strangers, through agents holding physical cash, and out to banks and billers — and every movement has to reconcile, reverse cleanly when a network drops mid-transaction, and stand up to a regulator's audit years later.
Then the same wallet has to work three ways at once: on a feature phone over USSD with no data, on a smartphone with a flaky connection, and through an API a partner integrates in an afternoon. Each channel touches the same balance, so they can never disagree.
Most teams build the app first, bolt a ledger on afterwards, and discover a year in that the books don't balance, agent float doesn't reconcile, and compliance is an afterthought the central bank won't accept. PesaBridge exists because that ledger, that agent engine and that compliance layer already exist — hardened on live deployments — so you build your business on top instead of rebuilding the foundation.
What you don't build
- A balanced double-entry ledger
- Agent float & commission reconciliation
- A USSD gateway & menu engine
- A native app for every role
- KYC tiers & AML certification
- A reversal & dispute engine
- Settlement & reconciliation
- An OAuth2 API & webhooks
The modules
A complete platform, module by module.
Deploy the whole platform or only the modules your operation needs today — and add the rest as you grow.
Wallet services
Cash-in / out, P2P, stored-value accounts.
Top-ups & bill pay
Billers, multi-stage bills, PIN-less top-up.
Merchant payment
QR acceptance and scheduled settlement.
Agency banking
Deposit, withdraw, statement against the bank's core.
Auto-reconciliation
Periodic recon across billers, banks and partners.
Analytics & KPIs
Dashboards, product and user trends.
Dynamic KYC
Configure any fields and documents per profile.
Commercial matrix
Per-profile pricing and commissions.
Threshold management
Daily / weekly / monthly limits per profile.
Alerts management
SMS, push and email notifications.
User & roles
Departments, roles and a role matrix.
Reports
Operational and regulatory reporting.
What your wallet does
One wallet. Every way money moves.
From a neighbour repaying a loan to a corporate paying ten thousand staff — every money journey your market needs, switched on from one platform under your own brand.
Send money
Person to person
Move cash to any wallet or bank account in seconds — with pricing you set for both sender and receiver.
Go global
International remittance
Open cross-border corridors with built-in FX, so the diaspora can send money home from a single tap.
Pay bills
Top-ups & bill pay
Airtime, data, power, water, TV, school fees and transport — every bill settled from one balance.
Buy & sell
Merchant payments
Let customers pay any merchant by QR or a prompt on their phone, with money settled straight to the bank.
Pay at scale
Bulk disbursement
Run payroll, aid and subsidy payouts to thousands of wallets from a single file — no queues, no cash.
Link accounts
Bank to wallet
Sweep value in and out of linked bank and card accounts the moment your customers need it.
Grow & borrow
Savings & credit
Goal savings, group savings, overdraft and instant micro-loans that keep customers coming back.
Cash in/out
Agency banking
A nationwide agent network for deposits, withdrawals, balances and mini-statements — wherever cash is king.
Access channels
Reach every customer, however they pay.
A wallet access matrix you configure per user category — consumer, agent or merchant — across every channel.
USSD
Mobile app
Web
QR code
NFC
SMS
POS
Real flows
Every journey, end to end.
App, USSD, QR, agent — one balanced ledger underneath. Every customer transaction checks balance and limits, then waits for PIN or biometric authorisation before it posts.
Send money in-app
Wallet-to-wallet or wallet-to-bank, settled in seconds on a balanced ledger.
Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.
- Balance & limit checked first
- Validation / authorisation gate
- Balanced debits & credits posted
Customer
System
CustomerOpen the app, tap Send
01
CustomerPick recipient — contacts or recent
02
CustomerEnter the amount
03
04
System · validatesCheck KYC tier, balance & daily limit
05
SystemShow fee & confirmation
Customer · validatesAuthorise — PIN or biometric
06
07
SystemPost balanced debit & credit
08
SystemCredit recipient's wallet
09
SystemPush + SMS receipt
System · doneSent · reference shown
Step Validation / PIN Completed
Configurable, not custom
Tuned to your business — from the admin.
The levers an operator actually needs are configuration, so you adapt to your market without waiting on engineering.
Flexible commission structure
Different commissions per service and per user profile.
Set transfer rules
Govern which user types can transfer to which, and how.
Flexible pricing & fees
Pricing and fees configured by user profile.
Thresholds & limits
Daily, weekly and monthly limits per profile to prevent fraud.
N-level distribution
Configure the agent hierarchy to any depth your business needs.
Modular
Deploy the entire platform or only the modules you select.
At the core
A clearing-grade, double-entry ledger.
Everything else in PesaBridge reads from one balanced ledger. It isn't a reporting layer bolted onto a payments app — it is the product.
Every unit of value lives as an entry. A deposit debits an agent's float and credits a customer's wallet by the same amount. A send debits one wallet and credits another, plus the fee to a revenue account. The sum of all debits always equals the sum of all credits — there is no code path that can create or destroy value. That single invariant is what lets a CFO sign the books and a regulator trust them.
Transactions are idempotent: each carries a key, so a retried or duplicated request settles once, never twice — the difference between a minor glitch and a customer charged twice. When something must be undone, a single reversal engine posts the mirror entries across any department — P2P, Pay Bill, Buy Goods, agent cash, B2C, float, savings — and leaves the original intact for the audit trail.
Balance, limits and KYC status are checked before a transaction posts, not after. A customer can't move money they don't have, exceed a daily limit, or transact above their KYC tier. The ledger enforces the rules; the apps just present them.
The invariant
Σ debits = Σ credits
──────────────────────
deposit agent.float −250
alice.wallet +250
send alice.wallet −100
bob.wallet +100
fee alice.wallet −0
revenue +0
──────────────────────
net = 0.00 (always)Security & compliance
Trust is the product.
Financial services live or die on correctness and control. PesaBridge bakes both into the core.
Double-entry by construction
Every movement posts balanced debits and credits — the books reconcile to zero, always.
PIN, KYC & limits
Configurable KYC tiers, per-transaction and daily limits, PIN attempts and wallet locking.
Idempotent & reversible
Idempotency keys stop double charges; a unified reversal engine unwinds any department.
Signed webhooks
HMAC-SHA256 signatures and retries so partner systems can trust every callback.
Full audit trail
Immutable ledger entries and transaction history for regulators and disputes.
Per-country compliance
ID types, KYC rules and tariffs switch with the market, from configuration.
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
Operations support
A team behind your operations team
From the first test transaction to month-end close, our support desk answers your operations and integration questions.
Talk to usRails & integrations
Connect only what your market needs.
Rails are pluggable adapters with one interface — collect, payout, balance and callbacks — so a new connector never touches the core.
Banks
RTGS / ACH / SWIFT / SEPA settlement and nostro management.
Mobile money
The mobile money operators in each market, through rail adapters.
Cards & PSPs
Card acquiring on the major card networks, and processor integrations.
Billers & telco
Utilities, TV, government, school fees and airtime top-up.
Why operators move
The problems that stall a mobile-money launch — solved.
These are the issues that delay or sink MFS rollouts. PesaBridge was built to take each one off the table.
One system, every use-case
Instead of buying a full suite or stitching systems together, you get the whole mobile-money umbrella in one platform — and switch on only the modules your market needs.
Configured per user profile
Commission, pricing, thresholds, products and channels all vary by user profile, set in the admin — not in code — so one platform serves many segments.
KYC for any regulator
Dynamic KYC lets you define any fields and documents per user category, mandatory or optional, so you meet each country's rules without a rebuild.
Onboard millions
Self-service and assisted onboarding, with face recognition, biometric and OCR, so a user can verify themselves and the system validates them in the background.
No more manual reconciliation
A built-in reconciliation manager auto-reconciles transactions across billers, banks and partners on a schedule — saving the work that usually eats a team.
Roll out by configuration
Most new products are configuration, not development, so services reach the market in days, not quarters.
Insight, not data dumps
Built-in analytics turns transaction data into dashboards and KPIs you can act on — segmentation, trends and revenue opportunities.
Integrations without rewrites
An integration layer adds new connectors with minimal effort, so every rail is an adapter — not a change to the core.
Made for Africa, ready for the world
Set the country, get the rails.
Currency, language, billers and integrations switch with the market — ready for 190+ countries and 180+ currencies. Adding a country is configuration, not a rewrite.
East Africa
West Africa
Central Africa
Southern Africa
North Africa
…and 190+ countries
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.
Further reading
Guides from the PesaBridge team
Keep exploring
Where to go next
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