Guides · 11 imizuzu yokufunda
Iplatifomu
Umgogodla owodwa obhalansayo. Sonke isiteshi. Ibhrendi yakho.
Iplatifomu ehlanganisiwe, engamamojula yezinsiza zezimali zeselula — izikhwama, abameli, abathengisi, abakhokhisi, i-USSD ne-API yabathuthukisi ku-ledger eyodwa yombhalo-kabili, iqhutshwa kusuka ku-admin ye-SaaS ngaphandle kwekhodi.
Ingxenye enzima
Imali yeselula ilula ukuyibonisa kodwa inonya ukuyiqhuba.
Ngaphandle iyibhalansi, inkinobho yokuthumela ne-PIN. Ngaphakathi, iyisistimu yokuhlanza — kanti yilapho amaqembu amaningi elahlekelwa iminyaka emibili.
Leyo bhalansi iyisikweletu sangempela okumele sihlale ku-ledger engalahli isenti. Imali ihamba phakathi kwabantu abangaziwana, ngabameli abaphethe ukheshi obonakalayo, iphumele emabhange nakubakhokhisi — kanti konke ukuhamba kumele kuhlanganele, kubuyisele ngokuhlanzekile lapho inethiwekhi iwa phakathi nomsebenzi, futhi kumele kubekezelele ukuhlolwa komlawuli eminyakeni ezayo.
Bese isikhwama esifanayo kumele sisebenze ngezindlela ezintathu ngasikhathi sinye: efonini ejwayelekile nge-USSD ngaphandle kwedatha, ku-smartphone enokuxhumana okungathembeki, nangokusebenzisa i-API umlingani ayihlanganisa ntambama. Isiteshi ngasinye sithinta ibhalansi efanayo, ukuze zingalokothi zingavumelani.
Amaqembu amaningi akha i-app kuqala, anamathisele i-ledger emuva, bese athola ngonyaka ukuthi amabhuku awabhalansi, i-float yabameli ayihlanganeli, futhi ukulandela imithetho kuyinto engacatshangelwanga ibhange elikhulu elingayamukeli. I-PesaBridge ikhona ngoba leyo ledger, leyo njini yabameli neso sendlalelo sokulandela imithetho sekukhona — kwaqiniswa ekuthunyelweni okuphilayo — ukuze wakhe ibhizinisi lakho phezu kwaso esikhundleni sokwakha kabusha isisekelo.
Lokho ongakwakhi
- I-ledger yombhalo-kabili ebhalansayo
- Ukuhlanganisa i-float yabameli namakhomishini
- I-gateway ye-USSD nenjini yemenyu
- Uhlelo lomdabu lwayo yonke indima
- Amazinga e-KYC nokuqinisekiswa kwe-AML
- Injini yokubuyisela neyempikiswano
- Ukubhadala nokuhlanganisa
- I-API ye-OAuth2 nama-webhook
Amamojula
Iplatifomu ephelele, imojula nemojula.
Thumela iplatifomu yonke noma amamojula umsebenzi wakho owadingayo namuhla kuphela — bese wengeza okunye njengoba ukhula.
Izinsiza zesikhwama
Ukungenisa / ukukhipha ukheshi, P2P, ama-akhawunti agcina inani.
Ukufaka nokukhokha izikweletu
Abakhokhisi, izikweletu ezinamazinga amaningi, ukufaka okungenayo-PIN.
Inkokhelo yomthengisi
Ukwamukela i-QR nokubhadala okuhleliwe.
Ukubhanga ngabameli
Ukufaka, ukukhipha nesitatimende ngokumelene nomgogodla webhange.
Ukuhlanganisa okuzenzakalelayo
Ukuhlanganisa kwesikhathi nesikhathi kubakhokhisi, amabhange nozakwethu.
Ukuhlaziya nama-KPI
Amadeshibhodi, ukuthambekela komkhiqizo nomsebenzisi.
I-KYC eguqukayo
Lungisa noma yimaphi amasimu namadokhumenti ngephrofayela.
Imethrikisi yezohwebo
Amanani namakhomishini ngephrofayela.
Ukuphathwa kwemikhawulo
Imikhawulo yansuku zonke / yamasonto / yenyanga ngephrofayela.
Ukuphathwa kwezexwayiso
Izaziso ze-SMS, ze-push nezokusabalalisa nge-imeyili.
Umsebenzisi nezindima
Iminyango, izindima nemethrikisi yezindima.
Imibiko
Ukubika kokusebenza nokwezomthetho.
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.
Iziteshi zokufinyelela
Finyelela wonke ikhasimende, noma likhokha kanjani.
Imethrikisi yokufinyelela isikhwama oyilungisa ngesigaba somsebenzisi ngasinye — ikhasimende, umeli noma umthengisi — kuwo wonke amasiteshi.
USSD
I-app yeselula
Iweb
Ikhodi ye-QR
NFC
SMS
POS
Ukuhamba kwangempela
Lonke uhambo, kusukela ekuqaleni kuze kube sekugcineni.
App, USSD, QR, umeli — i-ledger eyodwa ebhalansayo ngaphansi. Wonke umsebenzi wekhasimende uhlola ibhalansi nemikhawulo, bese ulinda i-PIN noma i-biometric ngaphambi kokufakwa.
Thumela imali ku-app
Isikhwama-ku-sikhwama noma isikhwama-ku-bhange, kubhadalwa ngemizuzwana ku-ledger ebhalansayo.
Kugunyazwe nge-I-PIN noma i-biometric — akukho okufakwa ku-ledger kuze kube ikhasimende liyaqinisekisa.
- Ibhalansi nomkhawulo kuhlolwa kuqala
- Isango lokuqinisekisa / lokugunyaza
- Amadebithi namakhredithi abhalansayo afakiwe
Ikhasimende
Isistimu
IkhasimendeVula i-app, thepha Thumela
01
IkhasimendeKhetha umamukeli — oxhumana nabo noma abakamuva
02
IkhasimendeFaka inani
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04
Isistimu · iqinisekisaHlola izinga le-KYC, ibhalansi nomkhawulo wansuku zonke
05
IsistimuBonisa imali nesiqinisekiso
Ikhasimende · iqinisekisaGunyaza — i-PIN noma i-biometric
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07
IsistimuFaka idebithi nekhredithi ebhalansayo
08
IsistimuKhredithe isikhwama somamukeli
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IsistimuIrisidi le-push + SMS
Isistimu · kwenziweKuthunyelwe · inkomba iboniswe
Isinyathelo Ukuqinisekisa / PIN Kuqediwe
Iyalungiseka, ayenziwe ngokwezidingo
Ilungiselwe ibhizinisi lakho — kusuka ku-admin.
Amashafu umsebenzisi awadinga ngempela angukulungisa, ukuze uvumelanise nemakethe yakho ngaphandle kokulinda ubunjiniyela.
Isakhiwo sekhomishini esiguqukayo
Amakhomishini ahlukene ngensiza nangephrofayela yomsebenzisi ngayinye.
Setha imithetho yokudlulisa
Lawula ukuthi iziphi izinhlobo zabasebenzisi ezingadlulisa kuziphi, nangayiphi indlela.
Amanani nemali eguqukayo
Amanani nemali ekhokhwayo kulungiswe ngephrofayela yomsebenzisi.
Imikhawulo
Imikhawulo yansuku zonke, yamasonto neyenyanga ngephrofayela ukuvimbela ukukhwabanisa.
Ukusabalalisa kwezinga-N
Lungisa uhlelo lwabameli kunoma yikuphi ukujula ibhizinisi lakho elikudingayo.
Ngamamojula
Thumela iplatifomu yonke noma amamojula owakhethayo kuphela.
Emgogodleni
I-ledger yezinga lokuhlanza, yombhalo-kabili.
Konke okunye ku-PesaBridge kufunda kusuka ku-ledger eyodwa ebhalansayo. Akusona isendlalelo sokubika esinamatheliswa ku-app yezinkokhelo — kuwumkhiqizo.
Iyunithi ngayinye yenani iphila njengokufakiwe. Idiphozithi idebitha i-float yomeli bese ikhredithe isikhwama sekhasimende ngenani elifanayo. Ukuthumela kudebitha esinye isikhwama bese sikhredithe esinye, kanye nemali eya ku-akhawunti yemali engenayo. Inani lawo wonke amadebithi lilingana njalo nenani lawo wonke amakhredithi — akukho ndlela yekhodi engakha noma icekele inani phansi. Leso siqinisekiso esisodwa yikho okuvumela u-CFO ukusayina amabhuku nomlawuli awathembe.
Ukwenziwa akuphindwa: konke kuphethe ukhiye, ukuze isicelo esiphindiwe noma esiphindaphindiwe sibhadale kanye, hhayi kabili — umehluko phakathi kwephutha elincane nekhasimende elikhokhiswa kabili. Lapho okuthile kumele kuhlehliswe, injini eyodwa yokubuyisela ifaka okufakiwe okusibuko kunoma yisiphi isigaba — P2P, Khokha Ibhili, Thenga Impahla, ukheshi womeli, B2C, i-float, imali egciniwe — bese ishiya okoqobo kuphelele umkhondo wokuhlola.
Ibhalansi, imikhawulo nesimo se-KYC kuhlolwa ngaphambi kokuba umsebenzi ufakwe, hhayi emuva. Ikhasimende alikwazi ukuhambisa imali elingenayo, ukudlula umkhawulo wansuku zonke, noma ukwenza umsebenzi ongaphezu kwezinga lalo le-KYC. I-ledger iphoqelela imithetho; ama-app ayivele ayibonise.
Isiqinisekiso
Σ debits = Σ credits
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deposit agent.float −250
alice.wallet +250
send alice.wallet −100
bob.wallet +100
fee alice.wallet −0
revenue +0
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net = 0.00 ✓ alwaysUkuphepha nokulandela imithetho
Ukwethenjwa kungumkhiqizo.
Izinsiza zezimali ziphila noma zife ngokulunga nokulawula. I-PesaBridge ifaka kokubili emgogodleni.
Umbhalo-kabili ngokwakheka
Konke ukuhamba kufaka amadebithi namakhredithi abhalansayo — amabhuku ahlanganela ku-zero, njalo.
I-PIN, i-KYC nemikhawulo
Amazinga e-KYC alungiswayo, imikhawulo yomsebenzi ngamunye neyansuku zonke, imizamo ye-PIN nokukhiya isikhwama.
Ayiphindwa futhi ibuyiseleka
Okhiye be-idempotency bavimba ukukhokhiswa kabili; injini eyodwa yokubuyisela ihlehlisa noma yisiphi isigaba.
Ama-webhook asayiniwe
Izisayino ze-HMAC-SHA256 nokuphinda ukuze izistimu zozakwethu zithembe wonke umbiko obuyayo.
Umkhondo ophelele wokuhlola
Okufakiwe kwe-ledger okungaguqulwa nomlando wokwenziwa kwabalawuli nezimpikiswano.
Ukulandela imithetho ngezwe ngalinye
Izinhlobo ze-ID, imithetho ye-KYC namanani kushintsha nemakethe, kusuka ekulungiseni.
Ama-app, ngokujulile
Ama-app omdabu amane namasango ewebhu. Yonke indima ihlanganisiwe.
I-Android yomdabu namuhla, i-iOS iyeza — ngomkhiqizo wakho, kumakhasimende, abenzeli, abathengisi nezinkampani.
I-app yomsebenzisi
I-super-app yamakhasimende.
- Thumela kunoma yiliphi inombolo noma i-QR
- Khokha Ibhili, Thenga Impahla (Till), i-airtime namabhandeli
- Isiqinisekiso sesicelo-sokukhokha nge-PIN
- Faka uphinde ukhiphe kubameli
- Izikweletu, imali egciniwe namaqembu e-chama
- Izitatimende nokubhalisa i-KYC ku-app
I-app yomeli
Umgogodla wokheshi.
- Amadiphozithi nokukhipha kwamakhasimende
- Cela uphinde uthole i-float
- Amakhomishini nezimali live
- Umeli omkhulu: phatha abameli abangaphansi
- Ukubhalisa amakhasimende emkhakheni
- Amarisidi e-thermal / SMS
I-app yomthengisi
Yamukela uphinde ukhokhe.
- Yamukela i-Till / Khokha Ibhili / QR / STK
- Cela imali kwikhasimende
- Izimbuyiselo nokubuyisela
- Ukubhadala okusheshayo esikhwameni
- Imikhiqizo, impahla nokuskena-ukudayisa
- Abasebenzi nemibiko yokudayisa
I-app nesango lezinkampani
Khokha ngezinga elikhulu.
- Ukukhokha ngobuningi kuzinkulungwane
- Izimvume ze-maker / checker
- Amabhuku abaholi namathempulethi
- Izinkokhelo ezihleliwe neziphindaphindayo
- Ukuhlanganisa nokuthumela ngaphandle
- Ukufinyelela kwabasebenzisi abaningi ngokwezindima
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.
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.
Umhlaba wonke, imakethe nemakethe
Setha izwe, uthole ama-rail.
Imali, ulimi, abakhokhisi nokuhlanganiswa kushintsha nemakethe — kulungele amazwe angaphezu kwe-190 nezimali ezingaphezu kwe-180. Ukungeza izwe kungukulungisa, hhayi ukubhala kabusha.
East Africa
West Africa
Central Africa
Southern Africa
North Africa
imakethe yakho
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.
Ungathanda ukukhuluma? Shayela +254 746 883809