Payment systems, service software, and integrations for institutions across Africa.

PayGes designs and builds Mobile Money, banking, USSD, and operational systems for banks, telcos, schools, and public institutions.

Operating model

One team from problem definition to rollout.

We scope the service, build the system, connect the rails, and support launch.

Company overview

What PayGes does

Most clients come to us with a broken collection flow, a delayed integration, or a service that still depends on manual work.

Define the service

We work with the client team to define the use case, channels, controls, and operating model before build starts.

Build the system

We build the product surfaces, internal tools, and integration layer required to run the service.

Connect the rails

We connect banks, Mobile Money services, USSD channels, notifications, and reporting into one working system.

What this requires

The system has to fit how money moves.

In this market, service design has to work across Mobile Money, bank systems, USSD, and the operational processes behind them.

Channel mix is not optional

Most services need to work across Mobile Money, bank systems, USSD, and manual back-office processes at the same time.

Delivery cuts across teams

The business case, service logic, integration layer, and operational workflow usually sit with different stakeholders. The system still has to work as one service.

Operations determine success

A service is not complete when the API works. It has to reconcile, report, notify users, and support the teams running it.

Africa market context

The market context that shapes everything we build

Over 85% of transactions in Africa still move through informal channels. Less than 20% touch a bank account. Designing payment systems without understanding that isn't design — it's guessing.

2B+

people by 2050

Transaction volumes, service demand, and infrastructure pressure will continue to increase.

Source: UN DESA

85%

transactions still informal

Most payment behaviour still starts outside formal rails. Digital services have to bridge that gap.

Source: GSMA

<20%

linked to bank accounts

Bank-only service design excludes too many users. Mobile Money and USSD have to be part of the system.

Source: Global Findex

Next step

Need a team that can define the service, build the system, and connect the rails?

If the problem involves collections, disbursement, USSD, Mobile Money, or internal service software, we can scope it with your team.