Money infrastructure for African business.
Collect from any payer. Pay any merchant. Issue wallets under your brand or ours. One platform. Every channel.
Risiva — receive more, stress less
Available balance
KES 12.4M
Bills due
47
Pending
12
Mobile money, cards, bank transfers, and bank rails
White-label wallets for banks and partners
ERP-integrated billing and reconciliation
Bank-grade security and audit trails
Core capabilities
Everything you need to collect, hold, and move money
Four pillars. One platform. From the smallest SME to the largest bank.
KES 8,420,000
Available
KES 6,180,000
Reserved
KES 2,240,000
Open wallets
Issue wallets for individuals, businesses, and your bank's customers under your own brand. Store, fund, reserve, and deploy balances across every channel.
Pull bills
Sync invoices and billing lines from any ERP. Generate consolidated payment instructions your customers can settle in one click.
Collect payments
Accept money through M-PESA, Airtel Money, cards, bank transfers, and direct bank rails. One integration, every channel.
Matched
94%
Suspense
6%
Reconcile with confidence
Match payments to invoices automatically. Capture suspense, generate statements, settle cleanly.
Platform architecture
How money flows through Risiva
From ERP integration to reconciled settlement, every step is tracked, auditable, and visible in real time.
Biller or bank connects
Sync customer master, billing, or wallet data
Invoice data syncs
Billing lines ingested into Risiva
Payer opens wallet
Fund via M-PESA, bank, or card
Select bills & e-slip
Consolidate obligations into one
Payment is made
Wallet or external channel
State confirmed
Callbacks, IPN, and status checks
Ledger updates
Atomic, immutable posting
Reconciliation runs
Auto-match, suspense capture
Outcomes sync back
Settlement reports to biller ERP
Biller or bank connects
Sync customer master, billing, or wallet data
Invoice data syncs
Billing lines ingested into Risiva
Payer opens wallet
Fund via M-PESA, bank, or card
Select bills & e-slip
Consolidate obligations into one
Payment is made
Wallet or external channel
State confirmed
Callbacks, IPN, and status checks
Ledger updates
Atomic, immutable posting
Reconciliation runs
Auto-match, suspense capture
Outcomes sync back
Settlement reports to biller ERP
Solutions
Built for every side of the transaction
Whether you send invoices, take payments at the counter, or run an entire wallet program for a bank — Risiva gives you the tools, visibility, and control you need.
Automate your entire collections lifecycle
Connect your ERP, validate customers, ingest billing lines, track collections, reconcile settlements, and download audit-ready reports from a single platform.
- ERP billing sync with SAP, Oracle, and custom systems
- Customer master validation and account linking
- Invoice and billing-line ingestion
- Payment links and consolidated e-slips
- Real-time collection tracking with channel breakdown
- Suspense and settlement reconciliation
- Downloadable statements and audit-ready reports
Biller Dashboard
UtilityInvoices issued
1,247
Collected today
KES 4.2M
Unmatched
23
Pamoja Logistics
INV-2026-0041
Tatu Health Network
INV-2026-0042
Mwangaza Schools
INV-2026-0043
Industries we power
One platform. Every kind of business.
From small shops invoicing their first customer to banks shipping wallets to millions — Risiva runs the rails underneath.
White-label the wallet stack — and the SME suite underneath
Ship branded wallets, bill payments, and merchant collections to your customers. Includes a ready-to-white-label SME suite (POS + invoicing + inventory) so your business banking customers run their whole shop on your bank's app.
- Co-branded apps & SDKs
- White-label SME suite (POS + invoicing + inventory)
- KYC inheritance from your existing stack
- On-us & off-us routing
- Settlement to your nostro accounts
- Configurable fee splits per program
Acacia Bank — SME wallet & POS program
Acacia Bank
Customer app
Wallet balance
KES 248,400
Nairobi Power Co.
Bill
Acme Hardware
POS
Java Coffee
Card
Your customers see your brand. Risiva is invisible.
Bank Operations Console
All systems normalActive wallets
12,480
Daily volume
KES 18.4M
Settled today
KES 14.2M
STL-2026-0319-001
Retail wallets
STL-2026-0319-002
SME merchants
Your treasury team sees the full ledger.
For small businesses
POS, invoicing, inventory, and a wallet — one stack for shops, salons, restaurants, hardwares, and petrol stations.
- Mobile POS for the counter
- Inventory & stock control
- M-PESA, cards, and cash acceptance
- Wallet funding from mobile money
- Auto-receipts and statements
Sample customer: Acme Hardware Ltd, Kiambu
For high-volume billers
Pull billing from any ERP, accept across every rail, and reconcile millions of line items.
- ERP sync with SAP, Oracle, and custom systems
- Auto-reconciliation with channel breakdown
- Settlement files for treasury
- Suspense workflow with SLA tracking
Sample customer: Nairobi Power Co.
For schools & universities
Issue fee invoices to parents and students, accept across mobile and bank, generate statements automatically.
- Per-student invoices and balances
- Bulk reminders by SMS and email
- Multi-rail acceptance — M-PESA, bank, card
- Term and annual reporting
Sample customer: Riverside University
For clinics, hospitals & insurers
Bill patients and insurers, settle to multiple accounts, reconcile claims and co-pays in one place.
- Mixed-payer billing (patient + insurer)
- Multi-account settlement
- Claim reconciliation and co-pay tracking
- Audit-grade transaction records
Sample customer: Tatu Health Network
For movers of things
Bill shippers, accept payments at delivery or via portal, and track aging across customers.
- Per-consignment billing
- POD-linked collection
- Aging reports and credit limits
- Customer self-service portal
Sample customer: Pamoja Logistics
Deep dive
Platform capabilities in detail
Multi-currency wallets with real-time ledger
Issue wallets for individuals and businesses. Track available, reserved, and pending balances with atomic, immutable ledger entries. Support dormancy rules, state management, and concurrent spend protection.
- Active, restricted, suspended, and closed wallet states
- Atomic double-entry ledger posting
- Concurrent spend protection with balance reservations
- Complete transaction history with audit trail
Wallet Details
ActiveTotal balance
KES 12,420,000.00
Available
KES 9,180,000
Reserved
KES 2,240,000
Pending
KES 1,000,000
Consolidated payment instructions that just work
Select multiple bills, generate a locked e-slip with a single reference, and pay instantly from wallet or external channels. Amount immutability, validity periods, and allocation rules built in.
- Multi-bill consolidation into single e-slip
- Immutable amount after lock
- Configurable validity periods
- Automatic allocation to underlying invoices
E-Slip Preview
LockedReference
ES-2026-0319-0041
Validity
24 hours remaining
Bills included
3 invoices
Biller
BillerCo Utilities
Power supply — March
INV-2026-0041
Service fees — March
INV-2026-0042
Late charges — Week 10
INV-2026-0043
Auto-match first. Suspense capture second. Always transparent.
Risiva reconciles payments against invoices automatically, captures unmatched items into structured suspense queues, and provides daily review dashboards with bank statement matching.
- Automated matching with configurable rules
- Structured suspense queues with SLA tracking
- Bank statement reconciliation
- Biller posting status and ERP sync verification
Reconciliation Summary
March 19, 2026Total
1,847
Matched
1,736
Suspense
87
Failed
24
Every job tracked. Every exception visible.
Monitor API health, job execution, retry trails, and exception queues from operational dashboards. Dead-letter handling, escalation rules, and financial safety checks before any rerun.
- Job registry with execution proof
- Categorized exception queues
- Retry trace with financial safety gates
- Real-time API health monitoring
Operations Monitor
All healthyAPI uptime
99.97%
Avg response
142ms
Active jobs
12
Open exceptions
3
Invoice sync — Utilities
2 min ago
Settlement file — Bank partner
In progress
Reconciliation — Daily
Scheduled 18:00
Security & compliance
Enterprise-grade security at every layer
Built to the standards banks and regulated billers need — and the simplicity SMEs and individuals expect.
End-to-end encryption
All data encrypted in transit and at rest using industry-standard protocols.
2FA / MFA authentication
Multi-factor authentication enforced across all roles and access levels.
Role-based access control
Granular RBAC with segregation of duties and role-aware navigation.
Immutable audit trails
Every action, state change, and financial posting logged and traceable.
Transaction screening
Configurable rules engine for payment validation and risk management.
Maker-checker approvals
Dual-authorization workflows for high-value and sensitive operations.
Webhook & callback controls
Secure callback handling with signature verification and replay protection.
Compliance-ready
Built to meet financial regulatory requirements across African markets and beyond.
Developers
Integration-ready from day one
Risiva is API-first. Clean REST endpoints, signed webhooks, structured settlement files, and a sandbox to build against — for billers, banks, and platforms.
ERP connectors
Pre-built connectors for SAP, Oracle, and custom enterprise systems.
RESTful APIs
Well-documented APIs for billing, payments, wallets, and reconciliation.
Webhooks & callbacks
Real-time event notifications with signature verification.
Settlement files
Structured file exchange for bank settlement and reconciliation.
Idempotent operations
Safe retries with idempotency keys across all critical endpoints.
Sandbox environment
Full-featured test environment to build and validate integrations.
Performance
Built for reliability at scale
0%
Payment success rate
0%
Auto-reconciliation rate
<0hrs
Avg settlement turnaround
0%
Exception visibility
One platform for collections, wallets, and white-label finance
From SMEs running their shop on POS and a wallet, to banks shipping wallets to millions — Risiva runs the rails underneath.