Integrations & rails
Rails & integrations for any market.
Rails are pluggable adapters behind one interface — collect, payout, balance and callbacks — so a new bank, mobile-money operator, card processor or biller never touches the core ledger.
What you can connect
Every rail your customers expect.
Banks
RTGS, ACH, SWIFT and SEPA settlement, account sweeps and nostro/float management to move value in and out of the wallet float.
Mobile money
M-Pesa, Airtel Money, MTN MoMo, Orange and more — collect and pay out across the operators your customers already use.
Cards & PSPs
Visa / Mastercard acquiring and processor or PSP integrations for card top-ups and payouts.
Billers & aggregators
Utilities, TV, water, government and school-fee billers — so customers pay everything from one wallet.
Telco & USSD
Airtime top-up, bundles, and a USSD gateway so the wallet runs on every handset.
Your core systems
Sweep, settle and reconcile to your core banking or ERP through the open API and signed webhooks.
The adapter model
One interface, any provider.
Each rail implements the same four operations — collect, payout, balance and callback. The core ledger never knows or cares who's behind a rail, so adding a provider is a self-contained adapter, not a change to your wallet. Switch providers per country, run several in parallel, or fail over — without re-engineering payments.
- collect(amount, payer) → charge
- payout(amount, payee) → transfer
- balance() → float position
- callback(event) → signed webhook
Rails & 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
M-Pesa, Airtel, MTN, Orange and more via rail adapters.
Cards & PSPs
Visa / Mastercard acquiring and processor integrations.
Billers & telco
Utilities, TV, government, school fees and airtime top-up.
For developers
Collect & disburse with a few calls.
Self-serve keys, a sandbox, and a Daraja-style flow: push a charge, the customer confirms in their wallet, you get a signed webhook.
- OAuth2 client-credentials, sandbox + production keys
- Prompt-to-pay (STK push) + status polling
- Signed, retried webhooks (HMAC-SHA256)
- Balance & transaction queries
# 1. Get a token
curl -s $API/oauth/token \
-d '{"client_id":"pk_live_…","client_secret":"sk_live_…"}'
# 2. Push a charge to a customer
curl -s $API/partner/stk \
-H "Authorization: Bearer $TOKEN" \
-d '{"payer_msisdn":"…","amount":250,
"reference":"INV-900",
"callback_url":"https://you.example/webhook"}'
# 3. Customer confirms in their wallet → signed webhook:
# { "event":"charge.completed", "charge_ref":"STK…",
# "amount":250, "state":"completed" }Countries you can launch in
Native apps, one platform
Channels — App · USSD · Web · API
Double-entry, always balanced
FAQ
Questions, answered.
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. The full wallet runs over USSD — send, withdraw, pay bill, buy goods, airtime, balance and statements — 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?
Four native apps (Android + iOS): a User app for customers, an Agent / Super-agent app for cash-in/out and float, a Merchant app to accept and settle, and a Corporate app for bulk disbursement with maker/checker approvals.
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 app 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.
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.