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 and bank-transfer rails through licensed payment providers.
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 your own branded core banking, live 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 · MTN MoMo · M-Pesa · payment collection · disbursement · reconciliation · idempotency · payment gateway · card payments · bank transfer
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 and bank transfer through licensed payment providers), 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 mobile-money payments and bank-transfer rails through licensed payment providers, with the provider selectable per deployment. SMS and WhatsApp go through a managed messaging provider.
Launch your institution on Sika
From application to your own branded core banking, live in weeks, not years.