PesaBridge
Inkundla yemali yeselula enegama lakho

Imali yakho yeselula.
Umkhiqizo wakho. Uyasebenza emavikini.

I-PesaBridge inika amabhange, izinkampani zocingo, ama-fintech nama-SACCO konke okudingwa yisikhwama semali yeselula esisezingeni likazwelonke: izinhlelo zamakhasimende, abenzeli nabathengisi, i-USSD, isicelo sokukhokha ne-API evulekile, konke kuleja lokufaka kabili okungelakho.

BridgeSave: Okulondoloziwe kukonke, umgomo ngamunye nalapho imali ikhona, nenzalo eyitholayo.BridgeSave: Okulondoloziwe kukonke, umgomo ngamunye nalapho imali ikhona, nenzalo eyitholayo.
Ekhaya: Ibhalansi, izenzo ezisheshayo nomsebenzi wakamuva esikrinini esisodwa.Ekhaya: Ibhalansi, izenzo ezisheshayo nomsebenzi wakamuva esikrinini esisodwa.
Ukuthengisa ku-app yekhawunta
  • Ileja lokufaka kabili
  • I-KYC ne-AML kufakiwe
  • Android ne-iOS · USSD · Iwebhu · API

Kwenziwe e-Afrika, kwe-Afrika — futhi kulungele umhlaba.

  • Amazwe angu-190+
  • Izimali ezingu-180+
  • Izilimi ezingu-12
  • Yonke inethiwekhi yeselula

Khetha umkhiqizo

Imikhiqizo emithathu. Thatha owodwa, noma yomithathu.

Imali yeselula, ukuthumela imali phesheya kanye nesango lokukhokha. Ngamunye usebenza wodwa ngentengo yawo; ndawonye abelana ngebhuku lamarekhodi elilodwa nehhovisi elilodwa elingemuva.

Ilebula yakho: umkhiqizo ngamunye usebenza ngegama lakho, ilogo nemibala yakho. Amakhasimende akho abona uhlobo lwakho, hhayi olwethu.

Imikhiqizo emibili: isaphulelo esingu-15% kumali yokusetha nakumali yanyanga zonke. Yomithathu: isaphulelo esingu-25%. Bona amanani

Inkundla yonke

Konke ibhizinisi lemali yeselula elikudingayo

Izikhwama, ukheshi, abathengisi nezinkokhelo eziningi ngesikhathi esisodwa yikho kuphela amakhasimende akubonayo. Ngaphansi kwakho kukhona lokho umqhubi akudingayo kusukela ngosuku lokuqala: i-ledger elinganayo, inethiwekhi yabameli, ukuthobela imithetho, ihhovisi elingemuva nokuxhumana nomhlaba wangaphandle.

Uhlelo lwamakhasimende

Yonke indlela abantu abathumela ngayo imali, ngokuthinta okukodwa.

Lezi yizikrini zangempela zohlelo lwe-PesaBridge, hhayi imidwebo. Amakhasimende akho athola konke ngegama nemibala yakho.

Thumela imaliThumela imali

Isicelo sokukhokha

Cela. Vuma. Kukhokhiwe.

Indlela yokukhokha amakhasimende asevele ayithemba, eyakhelwe kuyo yonke i-till futhi etholakala kozakwenu nge-API.

Ikhasimende liyavumaIkhasimende liyavuma
  1. 1

    Umthengisi uyacela

    Faka inombolo yekhasimende nenani kuhlelo lwe-Business, i-POS, noma uhlelo lwakho nge-API.

  2. 2

    Ikhasimende liyavuma

    Isicelo sokukhokha esigcwele isikrini sivuleka esikhwameni salo sibonisa ukuthi ubani ocelayo nokuthi kungani. Livuma nge-PIN futhi lithola irisidi ngokushesha.

  3. 3

    Zombili izinhlangothi zixazululwa ngokushesha

    Ileja libhala okufakiwe okulinganiselwe, ikhasimende lithola irisidi, i-till yaziswa, futhi i-webhook esayiniwe yazisa uhlelo lwakho.

I-Afrika yansuku zonke

Kwakhelwe indlela abantu abakhokha ngayo ngempela.

Izitobha zasemakethe, uhambo lwe-boda, izimali zesikole nemali eya emndenini ekhaya. Isikhwama sakho kufanele silingane nempilo yangempela, kunoma iyiphi ifoni, kunoma iyiphi inethiwekhi.

Ikhasimende likhokhela isitolo samasemishi ngocingo, umthengisi abonise inkokhelo ayitholile
Abathengisi

Amakhasimende akhokha isitobha ngesicelo noma ngekhodi ye-QR, futhi imali ilungele ukusetshenziswa ngokushesha.

Ikhasimende lithinta ucingo emshinini wesithunywa ukuze likhokhele
Abasebenzi be-gig

Abagibeli bakhokhelwa uhambo ngalunye, ngqo esikhwameni.

Amadola athunyelwe aphesheya akhokhelwa ngamasheleni ekhawunteni yokulanda
Ukuthumela imali

Imali eya ekhaya ngemizuzwana, iwela imingcele.

Ikhasimende likhokha ngocingo kumshini wokukhokha wekhefi
Ibhizinisi elincane

Yazi imali engene namuhla noma ukuphi, ukuthengisa ngokuthengisa.

Owesifazane ukhokha ngokusondeza ucingo lwakhe emshinini wokukhokha
Amakhasimende

Yonga, boleka futhi ukhokhe izikweletu esikhwameni esisodwa.

Kwabathengisi

I-till, i-POS nehhovisi elingemuva ohlelweni olulodwa

Thengisa ohlwini lwemikhiqizo noma nge-barcode, khokhisa ngesicelo noma nge-QR, xazulula ebhange noma esikhwameni, bese uvala usuku ngombiko we-Z.

  • Thengisa ngokushesha. Imikhiqizo esohlwini noma ebhakhodini, nesitoko esibuyekezwa kukho konke ukuthengisa.
  • Ukukhokhelwa ngesicelo noma i-QR. Ikhasimende livuma ocingweni lwalo, ibhalansi yethili ibuyekezwe ngaso leso sikhathi.
  • Isisebenzi ngasinye singena ngokwaso. Umsebenzisi ngamunye uthengisa ngegama lakhe, wena uvume lokho okudinga iso lesibili.
  • Thola imali ngendlela yakho. Dlulisela imali ku-wallet, kumenzeli noma ku-akhawunti yasebhange.
  • Vala usuku. Umbiko we-Z wethili, nakho konke ukuthengisa emlandweni nasemibikweni.
Isango lomthengisiIsango lomthengisi
Ekhaya le-till: Ibhalansi ye-till, okuqoqwe namuhla nazo zonke izenzo.Ekhaya le-till: Ibhalansi ye-till, okuqoqwe namuhla nazo zonke izenzo.
Isango lomthengisi · Ekhaya le-till

Ukufaka nokukhipha ukheshi

Inethiwekhi yabameli eguqula ukheshi ibe imali yedijithali, futhi ibuyele emuva

Amakhasimende amaningi aqala ngokheshi. Abameli bakho bamukela amadiphozi, bakhokha imali ekhishwayo futhi babhalise amakhasimende amasha, kanti inethiwekhi enamazinga amathathu, abasabalalisi, abameli abakhulu nabameli, igcina sonke isitolo sine-float.

  • Ukufaka nokukhipha. Ummeli ufaka inani, bese ikhasimende ligunyaza ukukhipha kufoni yalo nge-PIN yalo.
  • Ukuhlolwa komazisi ekhawunteni. Idiphozi iyama uma inombolo yefoni nomazisi kungafani.
  • I-float egelezela phansi. Abasabalalisi nabameli abakhulu baba i-float kubameli babo, bagunyaze izicelo ze-float futhi bayibuyise ngokuthinta kanye.
  • Amakhomishini azikhokhayo. Abameli babona ikhomishini yanamuhla esikrinini sokuqala. Ukubalwa kwanyanga zonke, okugunyazwa umuntu wesibili, kuyikhokhela ku-float yabo, nesabelo sommeli omkhulu.
Isango lomenzeliIsango lomenzeli
Ekhaya le-ejentiEkhaya le-ejenti
Isango lomenzeli · Ekhaya le-ejenti

Ezinkampanini

Khokha amaholo, abahlinzeki nabalingani ku-wallet eyodwa yenkampani

Izinkampani zifaka imali ku-wallet yazo zisuka ebhange, zikhokhela abantu abaningi ngeqoqo elilodwa futhi ziqoqe lokho ezikweletwa khona, ku-app nasesangweni lenkampani.

  • Ukukhokha ngamaqoqo. Khetha abamukeli abagciniwe bese ukhokha amaholo noma abahlinzeki ngeqoqo elilodwa.
  • Olungiselelayo novumayo. Umuntu oyedwa ulungiselela inkokhelo bese omunye eyivuma, esangweni noma ku-app.
  • Faka imali futhi uqoqe. Faka imali ku-wallet yenkampani usuka ebhange futhi wamukele izinkokhelo ezivela kumakhasimende.
  • Izitatimende. Yonke inkokhelo nakho konke okuqoqiwe kusesitatimendeni ithimba lakho lezezimali elingasihlola.
Isango lenkampani: ideshibhodiIsango lenkampani: ideshibhodi
EkhayaEkhaya
Isango lenkampani: ideshibhodi · Ekhaya

Ama-app amancane

Zonke izinsiza ngemuva kwe-PIN efanayo

Ukonga, isikweletu, umshwalense, amaphakethe nezinsiza zabalingani kuvuleka ngaphakathi kwewalethi, ngakho amakhasimende awadingi ama-app ayishumi noma amaphasiwedi ayishumi.

BridgeSaveBridgeSave
BridgeSave

Emnyombweni

I-ledger eyodwa. Yonke inkokhelo iyaziwa.

Yonke i-app, ummeli, ikhawunta nenkokhelo kubhala ku-ledger efanayo yombhalo-kabili. Okufakiwe kufanele kulingane futhi akunakusulwa, ngakho ithimba lakho lezezimali lingasayina amabhuku.

  • Ilingana kusukela esisekelweni. Idiphozi isusa ku-float yommeli bese yengeza esikhwameni sekhasimende ngenani elifanayo. Ayikho indlela kukhodi edala noma ecekela phansi inani.
  • Kukhokhwa kanye, hhayi kabili. Yonke inkokhelo inokhiye oyingqayizivele, ngakho isicelo esiphindiwe siphothulwa kanye kuphela.
  • Injini eyodwa yokubuyisela. Buyisela ukuthumela, i-Khokha Ibhili, idiphozi kummeli noma inkokhelo ngokufakwayo okuphambene. Okwangempela kuhlala kurekhodi.
  • Izinhlobo ezingu-27 zezinkokhelo, ibhuku elilodwa. Ukuthumela, i-Khokha Ibhili, ukheshi kummeli, izinkokhelo, imalimboleko, ukonga, izimali zesevisi namakhomishini konke kungena ku-ledger efanayo.
  • Ukubalwa okuvalekayo. Yonke inkokhelo ephothuliwe ingena ezincwadini zemali, nejenali yendlela ngayinye, intela yezimali zesevisi ihlukaniswe ngezwe, nokuvala ekupheleni kwenyanga.
Isitatimende senkampani: konke okungenayo nokuphumayoIsitatimende senkampani: konke okungenayo nokuphumayo
Isitatimende senkampani: konke okungenayo nokuphumayo

Ukuthobela kwakhelwe ngaphakathi

I-KYC, imikhawulo nokucwaningwa okwamukelwa ngumlawuli

Ukuthobela imithetho akusona isikrini esengezwa ekugcineni. Ibhalansi, imikhawulo nezinga le-KYC kuhlolwa ngaphambi kokuba inkokhelo ibhalwe, kuzo zonke izindlela, futhi imithetho ilandela ibhange lakho elikhulu.

  • Ukuhlola lapho kubhaliswa. Ukufunda umazisi, ukuqhathanisa ubuso nokuqinisekisa ukuthi umuntu uyaphila, kanye nokuhlolwa kwezijeziso nokuphindaphindwa, ngesixhumi sobunikazi.
  • Imikhawulo yomlawuli wakho. Amaphrofayela angu-42 amabhange amakhulu ase-Afrika abeka imikhawulo yansuku zonke neyanyanga yezinga ngalinye kanye nomkhawulo wokubika ukheshi omningi.
  • Izijeziso ne-AML. Ukuhlola ngokuqhathanisa nohlu lwe-UN, i-OFAC, i-EU, i-UK ne-PEP, imithetho ye-AML ekhomba umsebenzi ongajwayelekile, nokuthunyelwa kwe-goAML kuphiko lobunhloli bezezimali.
  • Abantu ababili ezenzweni ezibucayi. Ukuvula isikhwama esivinjiwe, ukusetha kabusha i-PIN noma ukukhipha i-float kudinga umgunyazi wesibili, futhi akekho ogunyaza isicelo sakhe.

Izinga 1 · Okuyisisekelo

Inombolo yefoni nemininingwane eyisisekelo, imikhawulo ephansi.

Izinga 2 · Kuqinisekisiwe

Umazisi uhloliwe, imikhawulo ephezulu yansuku zonke neyanyanga.

Izinga 3 · Kuqinisiwe

Ukuhlola okuphelele, imikhawulo ephezulu kakhulu evunyelwe ngumlawuli wakho.

UmthengisiUmthengisi
I-ejentiI-ejenti
IkhasimendeIkhasimende
Ikhasimende · Umthengisi · I-ejentiIsango lebhizinisi: thumela futhi ulandelele ifayela eliphelele lebhizinisi (abanikazi, abaqondisi, imibhalo)

Ibhrendi yakho

Igama lakho kuyo yonke i-app, iphothali nenombolo emfushane

Amakhasimende akho awalokothi ayibone i-PesaBridge. Igama lakho, isiqubulo, amalogo nemibala yakho kuthunyelwa kuma-app namaphothali lapho evulwa, ngakho ungakushintsha ngaphandle kokukhipha inguqulo entsha ye-app.

  • Igama nelogo yakho. Kuma-app ekhasimende, ommeli, ebhizinisi, ekhawunta nawenkampani, nakumaphothali ewebhu ayisithupha.
  • Imibala yakho. Sonke isikrini, inkinobho neshadi kuthatha imibala yakho, ekukhanyeni nasebumnyameni.
  • Imali nezilimi zakho. Imali yakho, nama-app namaphothali ngezilimi ezifika ku-12.
  • Ama-mini-app akho. Vula noma vala i-mini-app ngayinye emakethe yakho, noma uyiphawule njengezayo maduze.
  • Amakhasi akho ezitolo zama-app. Sakha ama-app e-Android ne-iOS ngaphansi kwe-ID ye-app yakho negama lakho esitolo, kuma-akhawunti akho onjiniyela.
  • Acacia Wallet: Ikhasi lasekhaya le-app yamakhasimendeAcacia Wallet: Ikhasi lasekhaya le-app yamakhasimende
    Acacia WalletIgama lakho. Imibala yakho. Ilogo yakho.
  • Kilima Money: Ikhasi lasekhaya le-app yamakhasimendeKilima Money: Ikhasi lasekhaya le-app yamakhasimende
    Kilima MoneyIgama lakho. Imibala yakho. Ilogo yakho.
  • Baobab Pay: Ikhasi lasekhaya le-app yamakhasimendeBaobab Pay: Ikhasi lasekhaya le-app yamakhasimende
    Baobab PayIgama lakho. Imibala yakho. Ilogo yakho.

Zonke izinhlobo zefoni

Awunayo i-smartphone? Awunayo idatha? Usewukhasimende.

Isikhwama esiza njenge-app kuphela sishiya ingxenye enkulu yemakethe ngaphandle. Inombolo yakho emfushane ye-USSD inika yonke ifoni isikhwama sansuku zonke, ebhalansini efanayo nama-app. Umhlinzeki wakho we-USSD uxhuma endaweni eyodwa.

  • Imenyu yansuku zonke. Thumela imali, khipha ukheshi, Khokha Ibhili, Thenga Impahla, thenga i-airtime, ibhalansi nesitatimende esifushane.
  • Ivikelwe nge-PIN. Yonke inkokhelo nge-USSD iqinisekiswa nge-PIN yekhasimende.
  • Ibhalansi eyodwa. Imali ethunyelwe nge-USSD ingena esikhwameni esifanayo esiboniswa yi-app.
  • Ngolimi lwamakhasimende akho. Amamenyu ngesiNgisi, isiFulentshi noma isi-Arabhu, akhethwa kumenyu uqobo.
*234#
Welcome to PesaBridge 1. Send Money 2. Withdraw Cash 3. Pay Bill 4. Buy Goods 5. Buy Airtime 6. Balance 7. Mini statement
3
ThumelaEmuva
Imenyu enkulu ye-USSD

Ihhovisi elingemuva

Qhuba lonke ibhizinisi ehhovisi elilodwa elingemuva

Amathimba okusebenza, ezezimali, ukuthobela nengozi asebenza ehhovisi elilodwa elingemuva, enedeshibhodi yomkhiqizo ngamunye nendlela eyodwa yokuzulazula kukho konke.

  • Ideshibhodi yomkhiqizo ngamunye. Isango lokukhokha, okwamazwe ngamazwe, i-KYC, imalimboleko, ukonga, umshwalense, izinkampani, inethiwekhi yabameli, umgcinimafa nenzuzo nokulahlekelwa.
  • Namuhla ngokubuka kanye. Inani lamakhasimende, abameli nabathengisi, ivolumu nenani lanamuhla, amabhalansi, impilo ye-float nemali engenayo.
  • Olungiselelayo nogunyazayo. I-float, ukukhokhwa kwamakhomishini nokunyakaza komgcinimafa kudinga umgunyazi wesibili, nababili ngaphezu komkhawulo owubekayo.
  • Izindima nokufinyelela. Ilungu ngalinye lethimba libona amamenyu avunyelwe yindima yalo, futhi izici zivulwa kuzilungiselelo.
  • Amathuluzi okusekela. Vimba isikhwama, phoqelela ukusetha kabusha i-PIN, misa ummeli futhi ulandelele izikhalazo ngamathikithi.
I-dashboard yokuqinisekisa ubunikaziI-dashboard yokuqinisekisa ubunikazi
I-dashboard yokuqinisekisa ubunikazi

Swayipha ukuze ubone yonke i-dashboard

Ukuxhumanisa

Kuxhunywe ezindleleni zokukhokha ezisetshenziswa emakethe yakho

Uxhumano ngalunye luyi-adaptha. Ezingu-16 zinekhodi esilungile namuhla, ezinye ezisekhathalogini zisebenza endaweni yokuhlola uze uzidinge. Uvula kuphela lokho okusetshenziswa yimakethe yakho.

Imali yeselula

Ukuqoqa, ukugcwalisa nokukhipha emanethiwekheni amakhulu emali yeselula, nokubamba, ukuthumela kanye, ukuqinisekisa nokubuyisela.

Amabhange

Izinombolo ze-akhawunti ezibonakalayo zokufaka imali, ukuxhasa ama-akhawunti ezinkampani ngebhange nokukhokhela kuma-akhawunti asebhange.

Amakhadi

Izinkokhelo zamakhadi ngabahlinzeki obakhethayo, ekhasini lokukhokha, kuzixhumanisi zokukhokha nakumakhadi agciniwe.

Ukuthumela phesheya nobunikazi

Ozakwethu bokukhokha bemali ethunyelwa phesheya, isixhumi sobunikazi se-KYC, nabahlinzeki be-SMS bamakhodi nezaziso.

Ukuthi uqala kanjani

Kusukela embukisweni wokuqala kuya ekuqaleni ukusebenza, isinyathelo ngesinyathelo

Uhlola inkundla yangempela ngaphambi kokusayina, bese siyilungisa egameni lakho siyixhume emakethe yakho.

  1. Isinyathelo 1

    Yizame bukhoma

    Vula ama-app namaphothali okubonisa, noma ubhukhe uhambo nethimba lethu.

  2. Isinyathelo 2

    Setha ibhrendi nezwe lakho

    Igama, ilogo, imibala, imali, izilimi namazinga e-KYC.

  3. Isinyathelo 3

    Xhuma izindlela zakho zokukhokha

    Imali yeselula, amabhange, amakhadi nozakwethu, okudingayo kuphela.

  4. Isinyathelo 4

    Qala ukusebenza

    Ama-app akho e-Android ne-iOS ezitolo, ikhodi yakho emfushane ye-USSD namaphothali akho ewebhu.

190+

Amazwe ongawethula kuwo

6

Ama-app omdabu, iplatifomu eyodwa

4

Iziteshi — App · USSD · Web · API

100%

Umbhalo-kabili, ubhalansa njalo

Kwabathuthukisi

Qoqa uphinde ukhokhe ngezingcingo ezimbalwa.

Okhiye ozitholelayo, i-sandbox, kanye nefolo yesicelo-sokukhokha: sunduza inkokhiso, ikhasimende likuqinisekise esikhwameni salo, uthole i-webhook esayiniwe.

  • OAuth2 client-credentials, okhiye be-sandbox ne-production
  • Isicelo-sokukhokha (STK push) + ukuhlola isimo
  • Ama-webhook asayiniwe, aphindwayo (HMAC-SHA256)
  • Imibuzo yebhalansi neyokwenziwe
# 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 ok

Imibuzo evamile

Imibuzo, iphenduliwe.

Ukuthenga i-PesaBridge

Singaqala ngengxenye yenkundla?

Yebo. Uhlelo lwe-Starter luhlanganisa izinhlelo zokusebenza zekhasimende nezommeleli kanye nehhovisi elingemuva ne-KYC. Abathengisi, i-API yabathuthukisi, i-USSD, imalimboleko, ukonga nezinkokhelo zobuningi kuvulwa kamuva kuleja efanayo, ngakho akukho okwakhiwa kabusha njengoba nikhula.

Intengo ye-PesaBridge ibalwa kanjani?

Ngezindlela ezine: izinhlelo ze-Starter, Growth ne-Enterprise, noma Ubambiswano lapho ungakhokhi khona imali yelayisensi, esikhundleni salokho sabelane ngemali engenayo ehlanzekile. Isakhi seziphakamiso kule sayithi sikunika intengo eqondile nohlaka lwesivumelwano cishe emizuzwini eyi-10.

Yini enikudingayo kithi ukuze sethule?

Ilayisensi, noma umlingani onelayisensi ogcina imali yamakhasimende; ama-akhawunti emabhange nakubahlinzeki bezinkokhelo enifuna ukuxhuma kubo; uphawu lwenu; namanani enu. Uma imininingwane yokungena yabahlinzeki isifikile, izwe lokuqala ngokuvamile liqala ukusebenza emasontweni angu-4 kuya kwangu-12.

Singayizama ngaphambi kokusayina?

Yebo. Cela ukufinyelela kokuhlola futhi uzothola nge-imeyili izinhlelo ze-Android zemikhiqizo oyikhethile, amaphothali ewebhu nemininingwane yokungena yokuhlola. Konke kusebenza endaweni yokuhlola, ngakho ayikho imali yangempela edlulayo. Abathuthukisi bangavula i-akhawunti yokuhlola kuphothali yabathuthukisi noma nini.

Yiluphi usizo noqeqesho enilunikezayo?

Uhlelo ngalunye luhlanganisa usizo: nge-imeyili ku-Starter, usizo olubekwe phambili ku-Growth, nesivumelwano sezinga lesevisi kanye nokwethulwa ku-Enterprise. Ngesikhathi sokwethula siqeqesha amathimba enu ehhovisi elingemuva, osizo nenethiwekhi yabameleli, futhi isikhungo sosizo, imihlahlandlela nemibhalo ye-API kuhlala kukhona ku-inthanethi kuwo wonke umuntu.

Inkundla

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. Nge-USSD, amakhasimende ayathumela, akhiphe, akhokhe amabhili, athenge impahla ne-airtime, abheke ibhalansi futhi athole isitatimende esincane, 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 ne-iOS omdabu ayisithupha: i-app yoMsebenzisi yamakhasimende, i-app ye-Send yokuthumela imali phesheya, i-app yoMenzeli / uMenzeli omkhulu yokufaka, ukukhipha imali ne-float, i-app yoMthengisi yokwamukela izinkokhelo nokuxazulula, i-app yeKhawunta yezitolo ne-app yeNkampani yokukhokha ngobuningi ngokugunyazwa ngabantu ababili, esebenza futhi njengesango lewebhu.

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.

Usukulungele ukwethula isikhwama sakho?

Bhuka idemo bese sisungula ibhrendi, izwe nama-rail akho — futhi sikuhambise kuwo ama-app, i-admin ne-API.

Ungathanda ukukhuluma? Shayela +254 746 883809