Business payments,
simplified.

One platform for payables, collections, lending and investments — connected to the ERP you already use and moving money over bank, mobile money and EFT rails across Africa.

Live in Uganda, Zambia & South Africa

Sign in with your ERP

No new ledger to maintain. Connect Xero, QuickBooks, ERPNext or Odoo and your bills, invoices and vendors are ready to pay — every payment reconciles and writes back automatically.

5+ ERP integrations
ISO 20022 Bank-native files
24/7 Support

One platform, every financial operation

Nine modules that share one ledger, one approval engine and one audit trail

ERP-Linked Payables

Bills, invoices and vendors mirrored live from Xero, QuickBooks, ERPNext or Odoo. Approve and pay here — every payment writes back to your books.

Bank Payments — ISO 20022

pain.001 payment files generated and delivered to your bank over SFTP; pain.002 status returns pulled, parsed and matched to each payment automatically.

Mobile Money & EFT

MTN MoMo, Airtel Money, OneGate and Ozow EFT on one rail-agnostic pipeline, with automated callbacks, retries and per-provider certification.

Merchant Checkout

Hosted checkout page, embeddable widget and a clean REST API with signed webhooks — one integration that routes to the right provider per payment.

Collections & Settlement

Provider accounts with live balances, gross-to-net commission ledgers and settlement runs — operate collections and payouts like a PSP.

Lending

A loan book mirrored to your ERP: disburse over mobile money or bank rails, track repayments and dues, and keep the ledger reconciled in real time.

SACCO & Investments

Investor onboarding, fund management and dividends for SACCOs and unions — with premium, QR-verifiable investment certificates.

Expenses & Approvals

Claims, department wallets and multi-level maker-checker approval chains with enforced segregation of duties across every payment type.

Compliance & Security

KYC & KYB verification, tax fiscalization for EFRIS and ZRA, two-factor authentication, IP whitelisting and an immutable audit log.

From ERP sign-in to money moving

Your accounting system is the front door — everything else follows from it

1

Connect your ERP

Sign in through Xero, QuickBooks, ERPNext or Odoo. Your organisation, contacts and open bills sync in — no setup forms, no duplicate ledger.

2

Add your rails

Link bank SFTP profiles, mobile money provider accounts and checkout API keys. Set approval chains, department limits and user roles.

3

Move money

Pay bills, collect payments and disburse loans. Reconciliation runs automatically and every movement writes back to your ERP.

Connected where your money already moves

Native integrations with the ERPs, providers and authorities your business runs on

E

ERPs

Xero · QuickBooks · ERPNext · Odoo · Sage
M

Mobile Money

MTN MoMo · Airtel Money
B

Banks

ISO 20022 · SFTP delivery
P

EFT & PSPs

Ozow · OneGate
T

Tax Authorities

EFRIS (URA) · ZRA

Ready to run your money on Paymoja?

From your first synced bill to your ten-thousandth settlement — start with the ERP you already use and add rails as you grow.