ISO 20022 Native Platform

Payment
Infrastructure
for Africa

Mission-critical payment and banking infrastructure for financial institutions. From real-time settlement to mobile disbursements.

Inmo Pay Core Engine

ISO 20022 Native · Multi-Currency · High Availability

RTGS
Settlement
EFT
Batch Processing
SWIFT
Cross-Border
Mobile
Disbursements
ACH
Clearing
MNO
Gateways
0%
Uptime SLA
ISO 20022
Native Platform
Multi-Currency
Full Support
Tier-1 Banks
In Production
Why Inmo Pay

Engineered for institutions
that cannot afford downtime

We build the payment infrastructure that powers Tier-1 banks across the continent. Every component is designed for reliability, speed, and regulatory compliance.

01

Reliability First

99.99% uptime SLA. Fault-tolerant, high-availability architecture with zero-downtime deployments.

02

Fast Integration

Containerised, API-first design. Go live in weeks, not months. Clean RESTful endpoints throughout.

03

ISO 20022 Native

Built from the ground up on the global messaging standard. Natively structured, not retrofitted.

04

Flexible Deployment

On-premise, cloud, or hybrid. All you need is a Kubernetes cluster. Your infrastructure, your rules.

05

Proven at Scale

Deployed at Tier-1 banks across Southern Africa and multiple countries with production workloads.

Product Suite

Full-spectrum payment
processing infrastructure

RTGS

Real-time

High-value, real-time interbank settlement with direct central bank integration. Immediate finality for critical transactions.

EFT Processing

High Throughput

Batch and real-time low-value payment processing engineered for massive throughput with reliable delivery guarantees.

International Payments

SWIFT gpi

Cross-border processing with multi-currency support and SWIFT gpi for end-to-end visibility on global transfers.

Vostro Account Mgmt

Correspondent

Correspondent banking account servicing and automated reconciliation for nostro/vostro account management.

Mobile Disbursements

MNO Networks

Fund delivery to mobile wallets across multiple MNO networks. Instant mobile payouts reaching the unbanked.

Central Bank Gateway

VPN-Based

Secure VPN-based connectivity for RTGS, EFT, and regulatory reporting. Direct integration with national payment infrastructure.

MNO Gateway

Multi-Operator

Multi-operator mobile money and USSD integration. Single integration point for every mobile network.

Biller Gateway

Real-time

Real-time bill payment processing and reconciliation for utilities, government, telecoms, and more.

ACH Gateway

Batch

Automated clearing house batch processing and settlement. High-volume, scheduled payment execution.

Aggregator Gateway

RESTful API

RESTful API connectivity to fintech platforms and third parties. Standard-based integration for the modern ecosystem.

Engine

Pricing & Billing

Configurable fee structures with automated billing. Transaction-based, tiered, flat-fee, and hybrid pricing models.

Automation

Collections Engine

End-to-end collection management with mandate registration, scheduled debits, retries, and dispute handling.

Delivery

eStatement Solutions

Automated financial statement generation and delivery. PDF, HTML, CSV, and SWIFT MT940 with branded templates.

Channel Applications

Every touchpoint. One platform.

Customer-facing applications across every channel, from smartphones to feature phones.

Mobile Banking

iOS and Android with biometric authentication and QR payments

USSD Banking

Core banking on any mobile phone, no data required

Internet Banking

Full-featured web portal for retail and business customers

Agent Banking

Extend reach through third-party agent networks

Deployment & Architecture

Your infrastructure.
Your terms.

Every solution is containerised and orchestrated via Kubernetes. Choose the deployment model that fits.

I

On-Premise

Deploy on your own Kubernetes cluster. Maximum control and data sovereignty.

Control
II

Cloud

AWS EKS, Azure AKS, Google GKE, or any managed Kubernetes provider.

Agility
III

Hybrid

Split workloads between on-premise and cloud. Balanced control and flexibility.

Balanced
Security & Compliance

Enterprise-grade security meeting international and local regulatory requirements.

TLS 1.3 Encryption
HSM Integration
RBAC Controls
Audit Logging
PCI-DSS Ready
ISO 27001

"Reliable by Design. Built to Scale."

Ready to modernise your
payment infrastructure?

Schedule a consultation to discuss how Inmo Pay can serve your institution.

www.inmo.co.za
admin@inmo.co.za