M-Pesa & bank reconciliation

M-Pesa and bank payments matched to invoices and posted to your ERP automatically.

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Key features

What PayLink does.

Real-time capture

Paybill and Till payments arrive in seconds.

Smart matching

Rules and AI match payments to invoices.

Automatic posting

Cleared items post straight to your ERP.

Exception queue

Only true mismatches reach your team.

Solution architecture

How it's built.

Each tier, component and numbered data flow, from the first event to the final record.

SOLUTION ARCHITECTURE · PAYLINK REFERENCE DESIGN · v1.0 01 PAYMENT CHANNELS 02 INTEGRATION 03 PROCESSING 04 CORE & INSIGHT M-Pesa Daraja C2B · Paybill Bank feeds Host-to-host · MT940 API gateway OAuth2 · TLS 1.3 Event stream Kafka topics Matching engine Rules + ML scoring Payments ledger PostgreSQL · audit SAP S/4HANA Finance · OData Exceptions console Power BI · alerts 1 2 3 4 5 6 7 PLATFORM, SECURITY & OPERATIONS Azure / AWS Key vault Monitoring WAF & IAM
  1. 1M-Pesa notifies the gateway of each paymentHTTPS callback · JSON
  2. 2Bank statements arrive every 15 minutesSFTP / H2H · MT940
  3. 3Payments are published as eventsKafka · at-least-once
  4. 4The matching engine consumes each eventConsumer group
  5. 5Every decision is stored for auditSQL · immutable log
  6. 6Cleared items post to the general ledgerOData · idempotent
  7. 7Exceptions surface for finance reviewNear real time
Built on

Proven technology.

PayLink runs on enterprise platforms your IT team already trusts, hosted in the cloud or on-premise.

Delivered in weeks
  1. 01UnderstandRequirements & discovery
  2. 02DesignSolution & architecture
  3. 03DevelopBuild & configure
  4. 04Review & testQuality assurance
  5. 05DeployRelease & go-live
  6. 06ManageOperate & improve
Use case

See it in action.

A warehouse worker scanning stock with a tablet
Use case · FMCG distribution

Reconciling thousands of M-Pesa payments a day

A national distributor collects most of its payments from retailers through M-Pesa Paybill.

Read the story

See PayLink with your own data.

Book a 30-minute demo. We'll walk through the flow using your systems and volumes.

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