Strategy · 11 imizuzu yokufunda
Izixazululo
Yakhelwe noma ngubani owethula imali yeselula.
Amabhange, ama-telco, ama-fintech, imali encane, ukudayisa, ohulumeni — umgogodla obhalansayo ofanayo ngaphansi kwebhrendi yakho, kuphela ama-rail nezici imakethe yakho ezidingayo zivuliwe.
Yenzelwe bani
Iplatifomu eyodwa, abasebenzisi abaningi.
Noma ungubani, wethula umgogodla obhalansayo ofanayo ngaphansi kwebhrendi yakho — bese uvula kuphela lokho imakethe yakho ekudingayo.
Kungani abasebenzisi behamba
Izinkinga ezimisa ukwethulwa kwemali yeselula — zixazululiwe.
Lezi yizinkinga ezibambezela noma ezicwilisa ukwethulwa kwe-MFS. I-PesaBridge yakhelwe ukususa ngayinye etafuleni.
Isistimu eyodwa, sonke isimo sokusebenzisa
Esikhundleni sokuthenga isethi ephelele noma ukuhlanganisa izistimu ndawonye, uthola isambulela sonke semali yeselula eplatifomu eyodwa — bese uvula kuphela amamojula imakethe yakho ewadingayo.
Ilungiselwe iphrofayela yomsebenzisi ngayinye
Ikhomishini, amanani, imikhawulo, imikhiqizo neziteshi konke kwahluka ngephrofayela yomsebenzisi, kubekwa ku-admin — hhayi ekhodini — ukuze iplatifomu eyodwa ikhonze imikhakha eminingi.
I-KYC yanoma yimuphi umlawuli
I-KYC eguqukayo ikuvumela ukuchaza noma yimaphi amasimu namadokhumenti ngesigaba somsebenzisi ngasinye, kuyimpoqo noma kungakhethwa, ukuze uhlangabezane nemithetho yezwe ngalinye ngaphandle kokwakha kabusha.
Bhalisa izigidi
Ukubhalisa okuzenzelayo nokusizwayo, ngokubona ubuso, i-biometric ne-OCR, ukuze umsebenzisi aziqinisekise kanti isistimu iyamqinisekisa ngasemuva.
Akusekho ukuhlanganisa ngesandla
Umphathi wokuhlanganisa owakhelwe ngaphakathi uhlanganisa ngokuzenzakalelayo ukwenziwa kubakhokhisi, amabhange nozakwethu ngokohlelo — ugcina umsebenzi ovame ukudla iqembu.
Yethula ngokulungisa
Imikhiqizo emisha eminingi ingukulungisa, hhayi ukuthuthukisa, ukuze izinsiza zifika emakethe ngezinsuku, hhayi izinyanga ezintathu.
Ulwazi, hhayi ukulahlwa kwedatha
Ukuhlaziya okwakhelwe ngaphakathi kuguqula idatha yokwenziwa ibe amadeshibhodi nama-KPI ongawasebenzisa — ukwahlukanisa, ukuthambekela namathuba emali engenayo.
Ukuhlanganiswa ngaphandle kokwakha kabusha
Isendlalelo sokuhlanganisa singeza abaxhumanisi abasha ngomzamo omncane, ukuze i-rail ngayinye ibe i-adapter — hhayi ushintsho emgogodleni.
Isikhwama sakho senzani
Isikhwama esisodwa. Zonke izindlela imali ehamba ngazo.
Kusukela kumakhelwane obuyisa isikweletu kuya enkampanini ekhokhela abasebenzi abayizinkulungwane eziyishumi — lonke uhambo lwemali imakethe yakho eyaludingayo, luvulwa kusuka eplatifomu eyodwa ngaphansi kwebhrendi yakho.
Thumela imali
Umuntu ku muntu
Hambisa ukheshi kunoma yisiphi isikhwama noma i-akhawunti yasebhange ngemizuzwana — ngenani olibekayo kuye ophumelayo nowamukelayo.
Yiya emhlabeni wonke
Ukuthumela imali phesheya
Vula imizila engaphesheya enokushintshaniswa kwemali okwakhelwe ngaphakathi, ukuze abaphesheya bathumele imali ekhaya ngokuthepha kanye.
Khokha izikweletu
Ukufaka nokukhokha izikweletu
I-airtime, idatha, ugesi, amanzi, i-TV, izimali zesikole nezokuthutha — sonke isikweletu esikhokhwa esikhwameni esisodwa.
Thenga udayise
Izinkokhelo zomthengisi
Vumela amakhasimende akhokhe kunoma yimuphi umthengisi nge-QR noma isicelo efonini yawo, ngemali ekhokhelwa ngqo ebhange.
Khokha ngobuningi
Ukukhokha ngobuningi
Qhuba amaholo, usizo nokukhokha kwezibonelelo kuzinkulungwane zezikhwama kusuka efayilini eyodwa — akukho ulayini, akukho ukheshi.
Xhuma ama-akhawunti
Ibhange kuya esikhwameni
Hambisa inani lingene liphume kuma-akhawunti ebhange nekhadi axhunyiwe ngomzuzu amakhasimende akho ewadinga.
Khulisa uboleke
Imali egciniwe nesikweletu
Imali egciniwe yenjongo, imali egciniwe yeqembu, i-overdraft nezikweletu ezincane ezisheshayo ezenza amakhasimende abuye.
Ukheshi ongenayo/ophumayo
Ukubhanga ngabameli
Inethiwekhi yabameli yasezweni lonke yamadiphozithi, ukukhipha, ibhalansi nezitatimende ezincane — noma kuphi lapho ukheshi eyinkosi khona.
Imiphumela
Okutholwa abasebenzisi.
Yethula emavikini
Umgogodla wokukhiqiza ulungile — uthumela ukungena emakethe, hhayi i-ledger.
Ngena ezimakethe ezintsha ngokushesha
Yengeza izwe ngokulungisa: imali, ulimi, i-KYC nama-rail.
Finyelela wonke ikhasimende
Ama-app kuma-smartphone, i-USSD kumafoni ajwayelekile, abameli bokheshi.
Hlala ulawula
Imikhawulo, izimvume, ukubuyisela, ukuhlola nokuhlanganisa kwakhelwe ngaphakathi.
Kusebenza kanjani
Imali ihamba kanjani.
Wonke amanyathelo ahlanganela ku-ledger efanayo ebhalansayo — ukheshi ongenayo, isikhwama, izinkokhelo, ukheshi ophumayo — kuwo wonke ama-app, i-USSD nabameli.
ISINYATHELO 1
Ukheshi ongenayo
Ikhasimende lifaka ukheshi ngomeli. I-float yomeli iyehla, isikhwama sikhredithe — kubhalansa.
ISINYATHELO 2
Isikhwama
Inani lifika esikhwameni esigcina inani ku-ledger yombhalo-kabili, esivikelwa nge-PIN ne-KYC.
ISINYATHELO 3
Thumela ukhokhe
Thumela kwesinye isikhwama, Khokha Ibhili, Thenga Impahla nge-QR noma i-STK, thenga i-airtime — ngokushesha.
ISINYATHELO 4
Ukheshi ophumayo
Khipha kunoma yimuphi umeli; i-float yomeli iyakhredithe kanti isikhwama siyadebitha.
Yakha vs. I-PesaBridge
Kungani ungazakheli?
Ungakwenza. Nakhu okubiza yingxenye ngayinye ngesikhathi nangobungozi lapho uqala kusukela ku-zero — kuqhathaniswa nokukuvula nje.
Ikhono
Zakhele ngokwakho
Nge-PesaBridge
I-ledger yombhalo-kabili ebhalansayo
Izinyanga zobunjiniyela obucophelelayo — nengxenye eyingozi kakhulu ukuyona
Ilungile, ihlanganela ku-zero
Amazinga e-KYC, imikhawulo ne-AML
Yakha, uhlole uphinde uqinisekise ngokwakho
Iyalungiseka, ilungele abalawuli
Inethiwekhi yabameli ne-float
Klama i-float, amakhomishini nokuhlanganisa kusukela ekuqaleni
Injini ephelele yomeli / umeli omkhulu
Isiteshi se-USSD
Hlanganisa i-gateway uphinde wakhe injini yemenyu
Isikhwama sonke nge-USSD, sifakiwe
Izinhlelo zomdabu (Umsebenzisi/Umenzeli/Umthengisi) + isango lezinkampani
Iqembu lezinhlelo okufanele zakhiwe futhi zinakekelwe
Athunyelwe, akhelwe ngebhrendi yakho
I-API yabathuthukisi nama-webhook
Klama, bhala, vikela uphinde ushintshe uhlobo lwayo
OAuth2, sandbox, ama-webhook asayiniwe
Ukuhlanganiswa kwama-rail
Ukwakha okukodwa ngomhlinzeki ngamunye
Ama-adapter angena kalula
Isikhathi sokungena emakethe
Izinyanga ezingu-12–24, iqembu elikhulu
Amaviki
Ama-rail nokuhlanganiswa
Xhuma kuphela lokho imakethe yakho ekudingayo.
Ama-rail angama-adapter angena kalula anesixhumi esisodwa — qoqa, khokha, ibhalansi nokubuyayo — ukuze umxhumanisi omusha ungathinti umgogodla.
Amabhange
Ukubhadala kwe-RTGS / ACH / SWIFT / SEPA nokuphathwa kwe-nostro.
Imali yeselula
I-M-Pesa, Airtel, MTN, Orange nokunye ngama-adapter e-rail.
Amakhadi nama-PSP
Ukuhlanganiswa kokwamukela i-Visa / Mastercard nabacubunguli.
Abakhokhisi ne-telco
Izinsiza zomphakathi, i-TV, uhulumeni, izimali zesikole nokufaka i-airtime.
Kusebenza kanjani
Uphila emavikini, hhayi eminyakeni.
01
Lungisa ibhrendi nezwe lakho
Beka igama, ilogo, imibala, imali, ulimi namazinga e-KYC ku-admin — ama-app avele akhelwe kabusha ngaso leso sikhathi.
02
Xhuma ama-rail akho
Xhuma amabhange, imali yeselula, amakhadi, abakhokhisi, intela ne-telco ngama-adapter — kuphela lokho imakethe yakho ekudingayo.
03
Yethula ku-app, USSD naseweb
Thumela ama-app akho ezitolo zombili, ikhodi emfushane ye-USSD, kanye namaphothali eweb — konke kusuka eplatifomu eyodwa.
Imibuzo evamile
Imibuzo, iphenduliwe.
Ingabe i-PesaBridge iyiplatifomu engiyabelanayo, noma eyami?
Ngeyakho. I-PesaBridge ingumkhiqizo i-BridgeERP ewudayisa kabusha — umsebenzisi ngamunye uthola okwakhe ukuthunyelwa, okuklanyelwe futhi okulungiselelwe yena. Ayikho idathabhesi eyabelwene, ayikho i-super-admin eyabelwene.
Yimaphi amazwe nezimali ezisekelwayo?
Noma yimaphi. Izwe, imali, ulimi nemithetho ye-KYC kungukulungisa okudonswe kusethi ephelele ye-ISO — akubethelwanga. Sinezimakethe ezivulekile namuhla futhi sivula ezintsha ngaphandle kokwakha kabusha.
Ingabe isebenza emafonini ajwayelekile?
Yebo. Isikhwama esiphelele siqhuba nge-USSD — thumela, khipha, khokha ibhili, thenga impahla, i-airtime, ibhalansi nezitatimende — kuhlanganela ku-ledger efanayo neyama-app.
Ngingaxhuma amabhange nama-rail ami wezinkokhelo?
Yebo. Ama-rail angama-adapter angena kalula — amabhange, imali yeselula, amakhadi nama-PSP — ukuze uxhume kuphela lokho imakethe yakho ekudingayo.
Singaya live ngokushesha kangakanani?
Amaviki, hhayi iminyaka. Lungisa ibhrendi nezwe lakho, xhuma ama-rail akho, bese uthumela ama-app akho, ikhodi ye-USSD namaphothali eweb kusuka eplatifomu eyodwa.
Ingabe iphephile futhi ingahlolwa?
Konke ukuhamba kungumbhalo-kabili futhi kubhalansa ku-zero, kuvikelwe nge-PIN ne-KYC, ngama-webhook asayiniwe nomkhondo ophelele wokuhlola wabalawuli.
Yimaphi ama-app abasebenzisi namakhasimende abo abawatholayo?
Ama-app e-Android omdabu amane: i-app yoMsebenzisi yamakhasimende, i-app yoMenzeli / uMenzeli omkhulu yokufaka, ukukhipha imali ne-float, i-app yoMthengisi yokwamukela izinkokhelo nokuxazulula, ne-app yeNkampani yokukhokha ngobuningi ngokugunyazwa ngabantu ababili, esebenza futhi njengesango lewebhu. Izinguqulo ze-iOS zisohlelweni.
Ukubhadala nokuhlanganisa kusebenza kanjani?
Izimali zibhadala esikhwameni esihambisanayo ngesikhathi sangempela. Wonke umsebenzi ukhiqiza okufakiwe kwe-ledger okubhalansayo ongakuhlanganisa, ngezitatimende nokuthumela ngaphandle, kanye ne-bridge ye-GL yesistimu yakho yezimali.
Ingaphatha izikweletu, imali egciniwe nezimali zamaqembu?
Yebo — i-overdraft, izikweletu ze-MFI ezinamashejuli neqophelo lengozi lephothifoliyo, imali egciniwe yenjongo, kanye namaqembu emali egciniwe (i-chama / merry-go-round) kuyingxenye yeplatifomu futhi kuvuleka ngemakethe ngayinye.
Ningasekela ukukhokha ngobuningi kwamaholo, usizo noma izibonelelo?
Yebo. Isango lezinKampani ne-API kukhokha ngobuningi ezinkulungwaneni zezikhwama ngemvume ye-maker/checker, izincwadi zabamukeli, ukuhlela isikhathi nokuvumelanisa okuphelele.
Kudinga ini ukuyiqhuba nsuku zonke?
I-console eyodwa ye-admin yomsebenzisi iqhuba ibhrendi, amanani, i-KYC, inethiwekhi yomeli neyomthengisi, i-ledger, ukubuyisela, ukwesekwa nama-KPI — akudingeki khodi ekusebenzeni kwansuku zonke.
Ngubani onikeza ukuthunyelwa nedatha?
Nguwe. Umsebenzisi ngamunye uqhuba okwakhe ukuthunyelwa nedathabhesi yakhe — okuklanyelwe futhi okulungiselelwe yena. Ingumkhiqizo owudayisa kabusha njengowakho, hhayi i-tenant ye-SaaS eyabelwene.
Funda kabanzi
Imihlahlandlela evela ethimini le-PesaBridge
Izihloko zisesiNgisini.
Qhubeka uhlola
Lapho ongaya khona ngokulandelayo
Usukulungele ukwethula isikhwama sakho?
Bhuka idemo bese sisungula ibhrendi, izwe nama-rail akho — futhi sikuhambise kuwo ama-app, i-admin ne-API.
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