Payment Infrastructure

East Africa's payment layer.
Built to institutional standards.

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.

Trusted and evaluated by institutions across East Africa
BoT
Regulator
CRDB
NMB
NBC
M-Pesa
Airtel Money
Visa
Mastercard
4
Unified products on a single platform — Pay, Gateway, Connect, Agent.
3sec
Typical multi-rail routing time, source to destination.
99.95%
Monthly uptime SLA, continuously measured and published.
T+1
Disbursement instruction cycle via our EMI bank partner.

Why ŌgiAfrica

Engineered above the rails, never in the funds path.

A technology layer that speaks the language of banks, regulators and developers in the same breath — written to be quoted in a board paper.

01

Single integration

Connect once, route to every East African rail — M-Pesa, Airtel Money, AzamPesa, HaloPesa, CRDB, NMB, NBC, EXIM, Visa, Mastercard, SWIFT.

02

Licensed and audited

Operating within the Bank of Tanzania's National Payment Systems framework; PSP demonstration phase in progress.

03

Never in the funds path

A licensed EMI bank partner custodies and executes every transaction. Ōgi sends routing and split instructions only.

04

Engineered for regulated markets

ISO 27001 controls roadmap, PCI DSS-aligned, FATF-aligned AML, TLS 1.3 end-to-end, HSM-backed key management.

05

Real-time reconciliation

Transaction records matched across rails automatically. No batch imports, no end-of-day surprises.

06

Developer-first API

REST, idempotent, signed webhooks, versioned deprecation policy. SDKs for Node, Python, PHP, Java.


Who we serve

One platform. Every operator in the payment chain.

Select an audience to see the specific capability set tailored to it.

Accept payments in days, not quarters.

A hosted checkout, simple pricing, and onboarding measured in hours. Designed for teams that need to be live yesterday — with a path to enterprise when you get there.

  • Accept mobile money, bank transfers and cards through one flow
  • Transparent tiered pricing with no setup fees
  • Sandbox credentials issued within 24 hours of KYB
  • Hosted checkout, no-code payment links, REST API
Talk to the merchant team

Checkout built for high-volume commerce.

Hosted checkout, webhooks, and a sandbox your engineers can verify in an afternoon — with split payments and platform payouts built in.

  • Hosted, embedded and headless checkout options
  • Split-payment engine for platform-on-platform flows
  • Signed webhooks with guaranteed delivery and replay
  • Sandbox with realistic rail behaviour and failure modes
See the docs

Thousands of sub-merchants, one reconciliation view.

Marketplaces and aggregators operate with per-transaction fee configuration, bulk disbursements, and per-sub-merchant KYB — all in one dashboard.

  • Sub-merchant onboarding and KYB workflows
  • Per-transaction fee configuration and platform takes
  • Bulk disbursements with queue visibility
  • Consolidated reconciliation across every sub-account
Request a pilot

A custom SLA, dedicated account team, sovereign residency.

For organisations whose payment stack is regulated, audited and reviewed quarterly. Data resides in Tanzania; your account team is named and on call.

  • Dedicated account management with named technical contacts
  • Custom SLA with published penalties and monthly credits
  • In-country data residency in line with the Data Protection Act 2022
  • Single Sign-On, role-based access control, audit log export
Speak to enterprise

Your brand. Your customers. Our rails.

A white-label platform or a routing integration — banks and PSPs launch payment products under their own brand without building a stack from scratch.

  • Fully branded merchant portal, checkout and reconciliation
  • Deployable under your domain and visual identity
  • Multi-rail routing with transparent cost and latency logs
  • Regulatory reporting aligned to BoT NPS submission formats
Partner with us

Interoperability with every bank. New transaction volume for every agent.

MNOs plug once into Ōgi and gain reach into the banking system — unlocking new payment scenarios for wallets, subscribers, and agent networks.

  • Bank ↔ MNO transfers with built-in retry and reconciliation
  • Subscriber pay-in and pay-out on the same rails
  • Agent commissioning and liquidity management at scale
  • Compliance-aligned reporting for BoT and TCRA
Talk to operator relations
Use cases

Infrastructure for every payment flow.

Specific, named flows — not generic "solutions". Each maps to a productised capability you can evaluate in sandbox.

Bank ↔ MNO

Seamless bank-to-mobile-money transfers

Route value between commercial bank accounts and mobile money wallets in real time. Reconciliation, limit checks and retry logic handled automatically.

Marketplace

Multi-party marketplace payouts

Split payments between buyers, sellers and platform operators at disbursement. Supports thousands of sub-merchants with per-transaction fee configuration.

Agent network

Last-mile agent banking at scale

Onboard, tier and manage agents. Liquidity management, commission distribution and BoT-aligned reporting from one dashboard.

White-label

Your brand, our infrastructure

Banks and telcos launch fully branded payment services — checkout, merchant portal, reconciliation — without building a payments stack.

Developers

A REST API written to be read.

Idempotent endpoints, signed webhooks, versioned deprecation. Sandbox credentials within 24 hours of KYB verification.

Idempotent by default
Retries are safe. Every mutation takes a key.
Signed webhooks
HMAC-SHA256 with rotating keys and replay.
24-hour sandbox
Production-parity test credentials on approval.
SDKs
Node, Python, PHP, Java — versioned and typed.
// Create a charge across any East African rail
import Ogi from '@ogiafrica/node'

const ogi = new Ogi(process.env.OGI_API_KEY)

const charge = await ogi.charges.create({
  amount: 128400,                   // TZS
  currency: 'TZS',
  source: { rail: 'mpesa', msisdn: '+2557…' },
  idempotency_key: req.id,
  webhook_url: 'https://api.me/ogi/hook',
})

// → 200 OK · charge.succeeded in ~1.2s (p50)
Built for regulated markets

The evidence that lets a risk officer say yes.

Licensed frameworks, named partners, named rails, named standards. Nothing about our security posture is a claim — it is a citation.

Bank of Tanzania · NPS licence

Operating under the National Payment Systems framework. PSP demonstration phase in progress.

Ref · —

Enterprise-grade security

ISO 27001-aligned controls, TLS 1.3 end-to-end encryption, HSM-backed key management, continuous penetration testing.

ISO 27001 · PCI DSS · FATF AML

Data residency

All Tanzanian customer data stored within Tanzania in compliance with the Data Protection Act 2022.

TZ-DAR-1 · TZ-DAR-2

EMI partnership

A licensed Electronic Money Institution custodies and executes all funds. Ōgi sends routing and split instructions only.

Never in the funds path

Connected rails

Native integrations with M-Pesa, Airtel Money, AzamPesa, Mixx, HaloPesa, CRDB, NMB, NBC, EXIM, Visa, Mastercard, SWIFT.

12 live rails · expanding

Regulator-ready reporting

Transaction, KYC and AML reports aligned to BoT NPS submission formats. Export, audit, and share.

BoT · FIU · TCRA aligned
How it works

Three steps from signup to production.

STEP 01

Sign up

Submit your company details and use case online. Sandbox credentials issued within 24 hours of KYB verification.

STEP 02

Integrate

Connect via our REST API or embed hosted checkout. SDKs for Node, Python, PHP and Java with typed contracts.

STEP 03

Go live

Pass integration review, activate production keys, and start processing. Your account team stays with you.

Ready to connect?

Ready to connect your product to East Africa's payment rails?

Talk to our team, or open the API docs to see how Ōgi can accelerate your go-to-market. Sandbox access within 24 hours of KYB.