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 free by hand — or add WhatsApp & API on a paid plan. No telco contract. You pay only when 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