When a customer says they've paid, a screenshot proves nothing — it can be edited, reused or invented. KODA reads the mobile-money operator's own confirmation SMS and tells you in seconds whether the money really arrived. Verify by hand, in WhatsApp, or by API. No telco contract. Free until you get paid.
Identical matching, fraud scoring, replay protection and audit trail — only the interface differs by technical capacity. One account, one ledger, zero migration when you graduate.
Open the Verify Console, paste the customer's code or snap their screenshot — get a telco-anchored verdict in ~3 seconds, with the matched SMS shown.
Add KODA's number to the conversation. The customer drops their code, KODA replies "✅ Paiement confirmé — 25 000 FC reçus" right in the thread.
Intents, code submission, signed webhooks — order confirmed, ticket issued, course unlocked, no human in the loop.
Dial a KODA shortcode, key in the code, and get the verdict back on-screen and by SMS. The same telco-anchored truth, on the most basic phone in the market.
The merchant forwards (or auto-forwards) the operator's payment SMS to KODA. KODA reads it and verifies automatically — no code to type, works even on iPhone.
The only thing that changes: you finally know — instantly, provably, in your language.
USSD or operator app, to your existing number. Nothing new to learn, nothing to install.
KODA Sentinel (6 MB) captures the confirmation, parses on-device, pushes a signed record.
Typed at checkout, dropped in WhatsApp, or pasted in your Verify Console.
Matched against the ledger, fraud-scored, locked against replay — verdict where you live.
KODA works wherever the operator sends the merchant a confirmation SMS with a reference and amount — the standard behaviour of GSMA-model mobile money on every continent. Each operator is added centrally and kept current automatically as their formats change — no per-country contract, no integration.
M-Pesa (Vodacom) · Orange Money · Airtel Money · Africell Money
M-Pesa · MTN MoMo · Airtel · Orange · Wave · Moov
bKash · Nagad · Rocket · JazzCash · Easypaisa · eSewa
GCash · Maya · DANA · OVO · GoPay · Wave Money · M-PAiSA
EVC Plus · Zaad · Sahal · Vodafone Cash · Orange Money
Send 5 sample SMS from any unsupported operator → live pack within days. Coverage requests become coverage.
The honest boundary, stated on purpose: app-only wallets with no SMS leg and bank rails like UPI/PIX are different mechanisms — roadmap adapters, not v2 claims. KODA's promise is exact. That's why it's credible.
Screenshot fraud exists because merchants verify against customer-side artifacts. KODA's truth is merchant-side, operator-issued, device-attested — a fraudster would have to forge an SMS into your own phone.
payment.reversed. KODA can't stop an operator reversal — it makes you the first to know.Every genuine operator SMS carries the running balance, so each new balance must equal the previous balance plus the amount. A spoofed SMS breaks that arithmetic. The operator's own bookkeeping is the firewall — and it works identically for bKash in Dhaka and Orange Money in Kinshasa.
An AI layer runs every verification end to end. The rule we hold ourselves to: every automatic confirmation writes a full, append-only decision trace — a verification you cannot audit is a verification you cannot defend.
Structures the confirmation message across formats and languages — and keeps up as operators change theirs.
Ties each payment to the right order, and forgives small typos in the customer's reference.
A risk score on every match, tuned to local patterns — the fraud in Kinshasa is not the fraud in Dhaka.
Reads a code from an image when a customer insists on sending one — assistive evidence, never sole proof.
Surfaces payments with no order attached — "you were paid 3× today and recorded none of it."
Works the customer through a failed verify and hands you an evidence file with a recommendation.
FR · EN · Lingala · Swahili · Wolof · Twi, with more added per market.
Fleet health, coverage monitoring and delivery — plus a weekly intelligence brief for you.
If you can call Stripe, you can call KODA. SDKs for Node, PHP/Laravel, Python and Flutter — webhook verification and idempotency built in. Docs equally deep in French and English.
You can't send yourself real mobile money all day. Magic references produce deterministic outcomes, and POST /sandbox/sms lets you inject any operator-formatted SMS and watch KODA structure it.
TEST-OK-25000instant payment.verifiedTEST-LATE-90verifies after 90 s → payment.verified.lateTEST-REPLAYrejected → code_already_usedTEST-SUFFIXmismatch → identity challenge flowTEST-REVERSALverify, then payment.reversedEvery plan includes a monthly verification quota at no per-use cost — identical whether a human clicked Verify or a webhook fired. Failed matches, rejections, expired intents: free. Prepaid ACU (topped up via mobile money, verified by KODA's own engine) is drawn only by AI features and by verifications beyond your quota.
No card required · sandbox never expires · docs in FR + EN