Mobile Money Integration & Payment Collection for Banks
Mobile money as a first-class rail — collection, disbursement, and reconciliation across the wallets your customers actually use, posting to an idempotent, conserving ledger.
The problem
- Mobile-money integrations bolted on outside the ledger cause reconciliation nightmares.
- Duplicate webhooks and retries create double-postings without idempotency.
- Multi-provider, multi-country rails are hard to maintain as you expand.
What Sika gives you
Collection & disbursement
Collect contributions and payments; disburse payouts and loans via mobile money.
Idempotent settlement
Signed webhooks and idempotency keys prevent double-postings.
Automatic reconciliation
Provider settlements reconcile against the ledger; drift is detected, not discovered.
Multi-provider
MTN MoMo, Telecel, AirtelTigo, M-Pesa, and card/bank rails via Paystack and ExpressPay.
Country-aware rails
Dial codes, currencies, and networks are country-pluggable for expansion.
Atomic postings
Every payment posts atomically to the double-entry ledger.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Initiate
A collection or payout is initiated; the customer approves on their phone.
- 2
Confirm
A signed provider webhook confirms the payment; idempotency prevents duplicates.
- 3
Post
The payment posts atomically to the ledger with a balanced entry.
- 4
Reconcile
Provider settlement is reconciled against the ledger; any drift is flagged.
Mobile Money & Payments: FAQ
How does Sika integrate mobile money?
Sika treats mobile money as a first-class rail: it collects and disburses across MTN MoMo, Telecel, AirtelTigo, and M-Pesa (and card/bank via Paystack and ExpressPay), with signed webhooks and idempotency keys so payments post atomically and reconcile against the ledger.
How does Sika prevent double-postings?
Every settlement uses an idempotency key and a signature check, so duplicate webhooks or retries can never post a payment twice.
Which payment providers does Sika support?
Mobile-money networks directly, plus card and bank-transfer rails through Paystack (primary SaaS billing and MoMo) and ExpressPay, with the provider selectable per deployment. SMS and WhatsApp go through Twilio.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.