Solutions

Infrastructure for every way money moves

From the switch to the agent's handset, we build the systems that authorise, route, settle and reconcile. Each solution works on its own, and each is designed to connect to the rest.

01 · Payment switching and gateways

Switching that stays up when everything around it goes down.

We build ISO 8583 and ISO 20022 infrastructure that connects banks to national switches, card networks and each other. Stand-in processing keeps ATMs, POS and transfers working during core banking downtime.

Fewer failed transactions, faster settlement, and a switch your operations team can trust at month-end.
CAPABILITIES
ISO 8583 ATM bridges and switch modernisation with dynamic routing
Stand-in processing: secure authorisation and queuing when the core is offline
ISO 20022 e-payment gateways integrated with national instant payment switches
3-D Secure card payments and OTP-based two-factor authentication
XAdES message signing, automated settlement and reconciliation
Integration with Postilion and Flexcube cores
Instant EFT and domestic transfer rails
02 · Merchant acquiring and POS

Accept every card, phone and QR code. Manage every terminal.

We deliver Android POS acceptance and the back office behind it. Our acquiring stack takes chip, contactless, magstripe and QR payments, routes them over ISO 8583, and gives merchants real-time sales visibility.

A merchant estate you can see, control and grow, with every transaction traceable end to end.
CAPABILITIES
EMV chip, NFC contactless, magstripe and QR acceptance on Android biometric POS
Cardless cash deposits, bill payments, cash back and balance enquiry at the terminal
3DES / DUKPT PIN security, root and tamper detection, certificate pinning
Fleet management: device registry, provisioning, heartbeat monitoring, remote configuration
Merchant portal with real-time sales dashboards, reports and exports
Card acceptance modules that plug into an existing POS app as a self-contained library
03 · Digital and agency banking

Every channel your customers use, including the ones without a smartphone.

We build mobile apps, USSD, internet banking and agent networks on one integration layer. Customers get the same services whether they tap an app, dial a short code or visit an agent.

Reach customers wherever they are, on the device they already own.
CAPABILITIES
Native mobile banking apps and internet banking
USSD banking integrated with mobile network operators over VPN with 3DES PIN encryption
Administrative and teller portals with role-based access control
Agency banking: cash-in, cash-out, balance and statement enquiries, transfers
Agent management, float and commission handling, dashboards and reports
Mobile money integrations: wallet transfers, auto-allocation, agent liquidation, KYC checks
Integration with regional switches such as GIMAC in the CEMAC zone
04 · Collections, billers and bulk payments

One framework for every biller. No custom build for the next one.

We connect banks to the institutions their customers pay, through a framework API rather than point-to-point code. New billers go live through configuration, not a new project.

More transaction revenue, faster biller onboarding, and reconciliation that closes itself.
CAPABILITIES
Utility bill payments (electricity and water boards)
Revenue authority payments and tax collections
School fees, university, hospital, church and property collections
City council and public agency collections
Airtime top-up across mobile networks
Bulk payments for NGOs, employers and development programmes
Automated reconciliation, validation workflows and commission settlement
05 · Digital lending

From application to disbursement in minutes.

We build straight-through lending that checks affordability, queries the credit bureau, sets a limit and disburses to the core without manual steps. Available at the teller, on mobile and through agents.

Grow the loan book without growing the back office.
CAPABILITIES
Seven-step straight-through processing from application to disbursement
Payroll-based affordability analysis and dynamic limit generation
Credit reference bureau integration
Direct disbursement to the core banking system
New loans, top-ups, partial and full repayment, balance and statement enquiries
Self-service on mobile, assisted service through the teller module
06 · Integration and regulatory middleware

The connective layer between your core and everything else.

We build API middleware that joins core banking, ERPs, insurers, mobile network operators, fintech partners and government systems. When a regulator mandates a new integration, we deliver it on the deadline.

Say yes to new partners and new mandates without re-platforming.
CAPABILITIES
Real-time e-invoicing middleware connecting ERPs to revenue authority systems
Bancassurance: core banking linked to underwriters for onboarding, premiums and reconciliation
External API exposure for partners, schools and payment aggregators
Payment gateway, wallet and withdrawal API integrations with fintech partners
SMS gateway, notification and KYC service integrations
Standardised logging, error handling and monitoring across every endpoint

Need this in production, not in a slide deck?

Talk to the engineers who built it. We will walk you through a live architecture and a realistic delivery plan.

Book a technical session