Payment and banking platforms
that regulators sign off.
Banks, microfinance institutions and fintechs need platforms that move money correctly, reconcile to the kobo and satisfy the regulator. We have built consumer payment apps, bill payment and airtime distribution platforms, and banking channels for clients including Toprate Microfinance Bank, Toprate Pay, Billerhub and Recharge Fusion.
The constraints we design around.
Regulation
CBN requirements, KYC and BVN checks, transaction limits and reporting shape every feature.
Reconciliation
Every transaction has to match across your ledger, the switch and the bank, automatically.
Uptime and speed
Customers notice a failed transfer immediately. Platforms need resilience and monitoring.
Fraud and security
Authentication, device binding, velocity checks and audit trails are not optional.
Systems and apps we provide, or can.
Some of these are live with clients today. Others we have the team and the track record to build. Each links to the service line behind it.
Consumer payment apps
Wallets, transfers, bill payments and airtime on Android and iOS, with KYC, BVN and tiered limits built in.
smartphone Mobile development arrow_forwardBill payment & aggregation
Platforms that connect billers, agents and channels, with settlement and reconciliation across all of them.
terminal Enterprise software arrow_forwardAirtime & data distribution
VTU and distribution systems for dealers and sub-dealers, with wallet funding, commissions and reporting.
terminal Enterprise software arrow_forwardBanking channels
Internet and mobile banking, agent banking and USSD integrated with the core banking system.
terminal Enterprise software arrow_forwardAgent & merchant networks
Onboarding, POS integration, float management and commission payout for agent and merchant operations.
terminal Enterprise software arrow_forwardReconciliation & reporting
Automated matching across ledger, switch and bank, with the reports the regulator and the board expect.
terminal Enterprise software arrow_forwardSecure infrastructure
Networks, servers, firewalls and access control for branches and head office, built to the standard auditors check.
lan Network implementation arrow_forwardBranch security
CCTV and access control for branches, vaults and cash points, with retention configured to policy.
videocam CCTV & surveillance arrow_forwardDelivered by one team.
The outcomes.
- check_circlePlatforms that reconcile automatically
- check_circleKYC, limits and reporting built to regulation
- check_circleApps live in both stores under your accounts
- check_circleInfrastructure that passes the audit
Have you built payment platforms before? add
Yes. Toprate Pay, Billerhub and Recharge Fusion are live platforms we built, and we deliver banking systems and channels for Toprate Microfinance Bank.
Can you integrate with our core banking system? add
Yes. We have integrated with core banking systems, payment switches and gateways, and identity services such as BVN verification.
How do you handle security? add
Authentication, device binding, velocity checks, encryption and audit logging are part of every build, alongside secured infrastructure.
Also working in.
Government & public sector
Public sector and agencies
arrow_forward schoolEducation
Universities and colleges
arrow_forward medical_servicesHealthcare
Clinics and hospitals
arrow_forward hotelHospitality
Hotels and estates
arrow_forward podcastsMedia
Broadcasters and publishers
arrow_forwardReady to build something that lasts?
Tell us what you are trying to solve. We will come back with an honest view of scope, timeline and cost — including when the answer is that you don't need us.