ŌgiAfrica

East Africa'spayment layer.Built to institutionalstandards.

Ōgi connects banks, mobile money operators, and card networks through one certified payment technology platform — enabling real-time, interoperable payments across the region, without ever holding customer funds.

Get startedExplore the platform
ROUTING
<3s
SLA
99.95%
CYCLE
T+1
RAILS
12
BoT NPS
ALIGNED

Tanzania moves money. It just doesn't move it together.

Mobile money reached almost everyone before banking did. The result is enormous volume spread across rails that do not natively speak to each other.

Active mobile money accountsin Tanzania
Annual mobile money volumegrowing 22% year on year
Of Tanzanian adultshave no formal bank account
Registered money agents10× more than bank branches

Four products on one set of rails.

Each one is a different way into the same infrastructure. Integrate against whichever matches the shape of your business — the routing, reconciliation and compliance layer underneath is identical.

Ōgi Pay

T+1disbursement cycle

  • Merchants
  • Platforms
  • SaaS products
  • Marketplaces

Accept payments across every rail in East Africa

Integrate once and reach mobile money, cards, bank transfers and USSD, with next-business-day disbursement of funds.

  • Unified checkout widget
  • Split payments to multiple recipients
  • T+1 disbursement, same-day available
  • Webhook-based event notifications
  • Refund and dispute management
  • Real-time analytics dashboard

Ōgi Gateway

90 daystypical launch window

  • Commercial banks
  • Large fintechs
  • PSPs & aggregators
  • Super-merchants

Your brand on top. Our rails underneath.

A complete payments product, dressed in your brand. Built for partners with distribution and customers — not infrastructure.

  • Complete branding control across web, app and checkout
  • Partner admin portal for sub-merchants and pricing
  • Revenue share with automatic net disbursement
  • White-label checkout SDK
  • Multi-tenant architecture with isolated merchant data
  • Compliance inherited through the ŌgiAfrica PSP licence

Ōgi Connect

<200msŌgi routing latency

  • Banks
  • MNOs
  • Card networks
  • Fintechs

One integration. Every rail. Routed in real time.

Orchestrates transactions between banks, MNOs, card networks and fintechs — in real time, with financial-grade reliability.

  • Cost and latency-aware routing
  • Automatic failover with millisecond rerouting
  • Real-time reconciliation across rails
  • Single REST and webhook API
  • Idempotent calls with built-in retry logic
  • Compliance reporting including BoT NPS

Ōgi Agent

<10 mindigital KYC onboarding

  • MNOs
  • Microfinance institutions
  • FMCG distributors
  • Retail chains

Onboard, manage and reconcile an agent network

Digital KYC, hierarchical network management and automated commission reconciliation, built for regulated agent banking.

  • Biometric ID and liveness onboarding in under 10 minutes
  • Real-time liquidity allocation with low-balance alerts
  • USSD and smartphone transacting across networks
  • Daily automated commission payouts to agent wallets
  • Centralised network performance dashboard
  • Silver, Gold and Platinum tiers up to TZS 25M daily

Five stages. Zero custody.

Every transaction crosses the same path. Ōgi never takes possession of funds at any point in it — balances stay with a licensed EMI bank partner.

  1. ReceiveA signed, idempotent request arrives on a single REST endpoint.
  2. EvaluateScreening, velocity checks and rail eligibility run in parallel.
  3. RouteThe cheapest viable rail wins. If it fails, the next one takes it in milliseconds.
  4. ConfirmThe rail acknowledges. A signed webhook fires to your endpoint.
  5. ReconcileThe ledger settles against the rail in real time, ready for BoT reporting.
Transaction recordlive
id
pay_4f2a91cd
amount
TZS 250,000
status
reconciled
rail
AIRTEL
latency
191ms
custody
none — EMI partner

Rail selection

  • M-PESARail unavailable — rerouted
  • AIRTELselected

Twelve rails. One integration.

4 rails are live today and the remainder are integration-ready. You write against the Ōgi API once; adding a rail is a configuration change, not a project.

  • M-PesaLive
  • Mixx (Tigo Pesa)Live
  • AzamPesaLive
  • SelcomLive
  • Airtel MoneyReady
  • HaloPesaReady
  • CRDBReady
  • NMBReady
  • NBCReady
  • EXIMReady
  • Visa / MastercardReady
  • SWIFT corridorsReady

Ōgi never holdscustomer funds.

The platform sits above the national rails as technology, not as a counterparty. Balances are custodied by a licensed EMI bank partner.

  • Not a mobile money operator
  • Not a bank or financial institution
  • Not a custodian of funds
  • Not a competitor to TIPS or to MNOs

See how the platform is governed.

Regulatory position, the control set in full, and the certification roadmap with dates and status.

Trust & complianceDeveloper docs