An operations hub for payment providers in East Africa. It starts with the job nobody enjoys — proving that what your system says matches what the bank and the mobile money provider say.
Download the M-Pesa statement. Download the gateway report. Pull yesterday's ledger. Paste them side by side. Write a VLOOKUP. Find the eleven payments that do not line up. Ask three people why.
Hours every week. Fees quietly overcharged for months. Merchants disputing settlements you cannot evidence. A month-end close that slips because nobody trusts the numbers.
Tarakibu runs entirely inside the browser tab. There is no server holding your transactions, because there is no server at all.
Open the Network tab and run a check. You will see nothing go out. That is a security review you can finish in ten seconds instead of ten weeks. Why banks and PSPs can trial this with real data
Everything a payment provider does after the money moves belongs in one place. Checking files and pricing merchants both work today; the rest is the plan, in the order it is being built.
Two ways to start, each organised by country. Kenya first, with Tanzania, Uganda and Rwanda ready for you to add your own.
Equity Bank and KCB, both on the MPGS gateway. Other gateways — N-Genius, MAPs — can be set up in a minute. Money taken on cards, checked against what the gateway reported.
M-Pesa Paybill and Airtel Money, straight from the statement you already download. Tigo, MTN and the rest of the region ready to add.
We already know what an M-Pesa statement looks like, and what a gateway report looks like — which column is the receipt, which rows are the money actually taken, which are failures to set aside. You only ever describe your own file.
This is where reconciliation usually breaks down. There are only three cases, and all three are covered.
Those numbers are from the Equity demo that ships with the app. Open it and you will see exactly this.
A gateway saying it captured a payment is not the same as money in your account. Tick one box and the check follows every payment through to your bank statement as well.
Open a demo to see the whole flow in two minutes, then swap in yesterday's own statement. Nothing you load is sent anywhere, so there is nothing to sign first.