Mobile Money Integrations
Production-grade integrations with EcoCash, OneMoney, InnBucks, Mukuru, and major bank APIs — retries, reconciliation, and duplicate detection built in.
YoApp's mobile money integration layer connects your platform to every major payment rail used in Zimbabwe and the region — without you managing the raw API complexity. Retries, timeout handling, duplicate transaction detection, and automatic settlement reconciliation are all handled by the integration layer. Your team sees clean, consistent transaction records regardless of which underlying channel was used.
Everything you need, nothing you don't
EcoCash Integration
Direct, production-grade EcoCash C2B and B2C integration — customer collections, bulk disbursements, balance enquiries, and statement downloads — with full retry and reconciliation logic.
OneMoney Integration
NetOne OneMoney integration for collections and disbursements — supporting all standard transaction types with real-time confirmation and automatic settlement reconciliation.
InnBucks & Mukuru
Integrations with InnBucks and Mukuru for wallet-to-wallet transfers and cross-border remittance receipt — with confirmation webhooks and automatic GL posting on settlement.
Bank API Connectivity
Connections to major Zimbabwean bank APIs for ZIPIT, RTGS, and direct bank-to-bank transfers — with API-level transaction references for bank statement reconciliation.
Automatic Retry Logic
Failed transactions are retried automatically using configurable retry intervals and maximum attempt counts — with exponential backoff to avoid overwhelming the provider during outages.
Duplicate Transaction Detection
Before each payment instruction is sent, the integration layer checks for a recent matching transaction — same recipient, amount, and reference — preventing accidental duplicate payments.
Pending Transaction Management
Transactions awaiting final confirmation from the provider are tracked in a pending queue — with automatic resolution when the provider responds and escalation if confirmation exceeds the timeout threshold.
Settlement Reconciliation
Daily settlement files from each mobile money provider are automatically matched against the platform's transaction records — discrepancies are flagged with the raw provider data attached.
Built for your team
Process collections and disbursements across all mobile money channels from a single platform interface — with automatic reconciliation replacing the manual daily bank and wallet statement process.
Connect to all major Zimbabwean payment rails through a single, well-documented integration layer — rather than managing separate direct integrations with each provider.
Access a consolidated, reconciled view of all mobile money settlements — with the raw provider data attached to each discrepancy for audit and regulatory purposes.
Often used together with
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