One integration. Every rail. Routed in real time.
A certified routing and reconciliation platform that orchestrates transactions between banks, MNOs, card networks and fintechs — in real time, with financial-grade reliability.
Five stages. Millisecond latency. Zero custody.
Every transaction moves through tightly coupled stages — each built for speed, accuracy and auditability. None of these stages involves custody of funds.
Payment instruction arrives
A payment instruction arrives at the Ōgi Connect API from the partner system.
Routing engine scores available rails
The routing engine scores available rails by cost, latency and health signals.
Dispatch to the optimal rail
The transaction is dispatched to the highest-scoring rail with an idempotency key.
Capture rail confirmation
Rail confirmation is captured and matched against the originating record.
Disbursement position updated
Disbursement position is updated with the EMI partner; exceptions are flagged.
Built for rail orchestration at financial-grade reliability.
Intelligent routing
Cost- and latency-aware routing selects the optimal rail per transaction. Configurable rules prioritise speed, cost or reliability.
Automatic failover
When a rail degrades, Ōgi Connect reroutes in-flight transactions within milliseconds — zero manual intervention.
Real-time reconciliation
Transaction records matched across rails automatically; exception queues surface discrepancies in seconds.
Single integration
One REST/webhook API connects to every rail. No per-provider SDK sprawl.
Idempotency & retry
Every API call is idempotent; built-in backoff and deduplication prevent double-charges.
Compliance reporting
Pre-built BoT NPS reports, AML monitoring hooks, and audit-ready logs.
Live and integration-ready connections.
Clear boundaries. Safe by design.
ŌgiAfrica does not compete with national payment infrastructure, and does not hold or move funds. We send routing and split instructions only; a licensed EMI bank partner custodies and executes.
- A mobile money operator
- A bank or financial institution
- A custodian of funds
- A competitor to TIPS or to MNOs
- A technology platform that routes instructions between operators and banks
- A partner-funded account model held with a licensed EMI bank partner
- An interoperability layer that sits above TIPS and extends MNO and bank reach