Tospay

OUR PURPOSE

Our mission is to create dignity and prosperity through empowering economic growth

We operate in the key sectors of trade, transit, finance and automation where we have identified gaps that that slow growth and make business unsustainable, robbing these sectors of their ability to scale further and burden businesses and their customers with unnecessary direct financial costs and other costs associated with loss of time and productivity By solving these problems, we aim to spur the growth that will increase profitability the respective businesses, as well as earn the labour force a decent living

By solving these problems, we aim to spur the growth that will increase profitability the respective businesses, as well as earn the labour force a decent living

What We Do

Biller24

Storage and Handling Automation

Through software and hardware automation, we increase visibility and efficiency at port facilities, container freight stations and storage facilities, increasing cargo throughput and increasing capacity through integration into a single ecosystem

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Fleet

Transit Automation

We reduce transit times through automating compliance procedure such as border control and weight limit enforcement and provide transit support including fuelling, emergency rescue and driver milage, which increases productivity and ultimately profitability

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BenkiNet

Financial Services

We provide our clients with a single interface to access multiple payment and collection channels including banks, card and mobile money networks, as well as robust reporting tools for payment tracking and instant, automated reconciliation that ensures settlement at the as required

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Custom

Bespoke Solutions

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Our Products

Biller24

Biller24 simplifies and makes trade more accessible by providing tools for importers and exporters to manage all their import and export processes in a single window, including clearing and forwarding, compliance, tracking and reporting

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BenkiNet

BenkiNet provides the core banking services that power our products as well as providing plug and play solutions for financial institutions including a mobile money backbone

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Acuity

Acuity powers mobile money networks. Through acuity, telcos and other financial institutions get a plug and play platform for their mobile money network that is interoperable with existing financial networks.

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TransitOS

TransitOS, together with Biller24 uses a combination of software and hardware to verify regulatory compliance and provide visibility to road transport regulators

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MaritimeOS

MaritimeOS provides shipping lines, passenger lines and regulators with tools to manage maritime operations

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RailOS

RailOS provides tools for management of railway infrastructure and operations for regulators and service providers. It provides an integrated platform to freights service operators, passenger service operators and terminal operators

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AviationOS

AviationOS, our airport management system, modernises air port operations creating operational efficiency

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FarmEco

FarmEco is a flagship agricultural value chain automation service that brings together farms, farm owners, input suppliers and farming community stakeholders including but not limited to government regulators, off-takers, financial services and value add providers.

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Financial Services

Biller24

Trade facilitation simplified

Biller24 brings together ports, container freight stations, importer, exporters and customs agents. It facilitates movement of trade goods across customs borders through the following features;

Biller24 Features

Customs and Facility Clearing

Clear consignments in one window

We integrate cargo airlines to into import and export clearing procedures to open up markets. We also tools form managing cargo operations including cargo terminal management, staff management and handling operations, scheduling.

Port and CFS Facility Management

Increased cargo throughput through effeciency

Through this feature, we enable facilities to automate their; port call management, handling and storage yard automation, staff management, handling equipment management facility hold clearing and facility access automation, creating efficiency that increases a facilities throughput.

Intermodal Cargo Forwarding

All the transporters you need in one place

We automate landside airpot operations including; baggage handling, screening, automated biometric control, and staff management.

Empty Handling and Leasing

Hassle free empty tracking, return and leasing

We provide shipping lines with tools to automate, container return/leasing inspection and managing of container deposits and container deposit insurance. We also integrate leasing into export procedures to expose them to new customers.

Billing and Invoicing

Bill and receive payments instantly

We automate the billing of port and CFS services, placing a hold preventing cargo release until consignees clear a facilities bills, after which the cargo is released for pick-up or export, provided all regulatory clearances are fulfilled

Financial Services

BenkiNet

Connecting finance and breaking trade payment barriers

AviationOS is an aviation services automation product that serves airport operators, airfreight service operators and air passenger operators using the following features;

BenkiNet Features

Financial Accounts

Secure store of value

BenkiNet’s account service maintains customers’ financial assets in a secure account that they can access digitally through mobile and webs apps to remit and receive funds

Agent Services

Your network of representatives ready to go

BenkiNet provides agency services, facilitating deposits and withdrawals, bill payments to merchants on the network

Realtime Forex

The best rates, all the time

Using its liquidity network, BenkiNet powers realtime forex trading for merchants and individuals remitting and receiving funds in different currencies.

Payment Switching

Transact with everyone, from one account

BenkiNet accounts are interoperable with other financial networks and can remit and receive funds from major card networks, mobile money networks, wallets and banks.

Liquidity Networks

Guarantee settlement of your customers

BenkiNet’s liquidity network ensures availability of cash for settlement and withdrawals, allowing businesses and individuals to trade in its liquidity market for commissions

Merchant Services

The services your customers need, built in

BenkiNet onboards merchants to provide their services customers within the ecosystem without the cost barrier of payment switching. Operators in the trade and transit ecosystem are automatically part of the merchant network and can receive payments through BenkiNet Agency Services

Financial Services

Acuity

Your mobile money infrastructure, ready to go

Acuity Features

Mobile Money Wallets

Access your funds, anywhere, anytime

Acuity provides mobile money wallets to store users’ financial assets in a secure account that they can access digitally through USSD, STK, mobile and web apps to remit and receive funds

Verion

Experience the serenity from the safety of your assets

In service of securing financial assets on Acuity, Verion uses sim based verification of user identity and transaction authenticity for fraud detection and prevention

Merchant Services

The services your customers need, built in

Acuity users can access services from merchants on the network and make payments to them. This includes merchants on our trade and transit ecosystem

Payment Switching

Transact with everyone, from one account

Using BenkiNet payment switching, acuity offers payment switching to other networks, including card, wallet. mobile money and banks. Acuity users also join the BenkiNet payment rails.

Agency Services

Your network’s of representatives ready to go

Acuity provides an agency network for users to deposit and withdraw funds, utilising BenkiNet’s liquidity network to ensure availability of funds for settlement and withdrawal.

Trade & Transit Ecosystem

TransitOS

Fast and safe road cargo transit facilitation

TransitOS is a road transit service automation product. TransitOS serves road transporters, road transit regulators, road transit customers and businesses that provide support services for them.

TransitOS Features

Fleet Operations

Real time fleet visibility

We ease vehicle related operations including staff management, vehicle tracking, vehicle maintenance and repair tracking using this data to automate regulatory compliance by giving visibility to relevant regulators to reduce inspection related regulatory procedures.

Corridor Monitoring

Ensure compliance through realtime monitoring

We provide regulators with live transit vehicle position and weight tracking, eliminating the need for weigh- bridges and border checks where vehicles are flagged to be compliant.

Billing and Invoicing

Bill and receive payments instantly

We automate consignee billing and invoicing as well as providing an escrow service that provides transporters with the required capital to deliver a consignment, while maintaining trust with new customers unwilling to pay before delivery.

Cargo Forwarding

Fleet exposure for maximum productivity

By integrating road transporters into cargo clearing procedures, we expose them to importers and exporters, opening them up to new customers.

Transit Facilitation and Support

Guarantee delivery through our support partners

We onboard the support services that vehicles need during transit, including; roadside stations, emergency and rescue services, fuel retailers to facilitate safe transit of cargo to their destinations.

Trade & Transit Ecosystem

MaritimeOS

Unlocking potential of maritime services

MaritimeOS is a tool for maritime activities regulators, shipping lines and passenger lines to automate their operations and operational support activities using the following features;

MaritimeOS Features

Maritime Operations

Clear consignments in one window

We automate maritime regulatory procedures including; shipbuilder, ship and seafarer registration and licensing, and maritime facility management.

Maritime Surveillance

Clear consignments in one window

We automate water channel monitoring and long range vessel tracking for a territories exclusive economic zone including flagging of suspicious activities to regulators

Operational Support

Clear consignments in one window

We integrate services that ships require in their operations including navigational support, vessel reception services, auxiliary services and search and rescue of distressed ships.

Billing and Invoicing

Clear consignments in one window

We automate billing of maritime services, this includes service operator licensing, sea farer licensing, emergency service billing, and empty deposit/insurance billing

Trade & Transit Ecosystem

RailOS

Safe and efficient railway operations

RailOS Features

Railway Operations

Maximise railway infrastructure usage

We automate the railway regulators operations through; infrastructure management, train operator management, railway track scheduling, railway traffic control, to facilitate safe and efficient railway usage.

Passenger Operations

Create world class passenger travel experiences

We automate passenger operations including passenger handling, passenger terminal management, passenger check-in and passenger add-on services.

Cargo Operations

Operational efficiency for increased throughput

We automate railway operator cargo operations including freight station management, management and cargo handling

Billing and Invoicing

Bill and receive payments instantly

We provide railway operators with tools to track, bill and invoice railway usage, cargo handling and transport and passenger ticketing and add-on services

Trade & Transit Ecosystem

AviationOS

World class airport operations

AviationOS is an aviation services automation product that serves airport operators, airfreight service operators and air passenger operators using the following features;

AviationOS Features

Cargo Operations

Operational efficiency for increased throughput

Border Control

Integrated border control services

We integrate border control to for international passengers and airline staff

Landside Operations

Safe and efficient airports

We automate landside airpot operations including; baggage handling, screening, automated biometric control, and staff management.

Passenger Operations

Create world class passenger travel experiences

We provide tools for airport operators to efficiently manage their passenger services including; passenger terminal management, passenger check-in and passenger handling

Airside Operations

Safe and efficient air traffic operations

We help facilitate safe air traffic management including aeronautical Fixed Telecommunication Network (AFTN) Systems, aircraft traffic control and apron handling.

Billing and Invoicing

Bill and receive payments instantly

We automate the billing of airlines and other stakeholders utilising airport resources as well as consignee billing and passenger ticketing.

Bespoke Solutions

We use software automation to take your business to its digital future

For partners whose needs do not fit into our suite of products, we tailor solutions to fit their requirements to ensure we unlock their growth potential, and generate value for their business Just as with our suite of products, we take a user-centric approach that starts with a discovery process, continues to process reengineering and solution development, up to environment setup and support for their infrastructure

Problem Discovery

We undertake research into your processes to understand your institutional needs in oder to align your institution’s stakeholders understanding of your needs and align them in a single vision of digital transformation

Process Reengineering

Based on evidence found through problem discovery, we then create efficient processes that use a combination of robotic process automation and artificial intelligence to free your human resources to undertake more productive tasks

Solution Development

Our team is ready to develop solutions for your software and hardware needs as well as supporting your internal teams after the launch of solutions that we provide to you

Infrastructure Planning and Implementation

We undertake infrastructure network planning design, dimensioning and implementation support for networking and server infrastructure.