Verify mobile money payment free, forever, on KODA's Marché tier. See how pricing works: real monthly verifications at no cost, transparent ACU credit as you scale.
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A tool whose whole job is to protect your money should not itself feel like a gamble to try. Yet plenty of anti-fraud products ask merchants to sign contracts, hand over card details, or negotiate a telco deal before they can confirm a single payment. KODA takes the opposite view: you can verify a mobile money payment free on the Marché tier from day one, with no card, no contract, and no operator integration required to begin. If you can receive a confirmation SMS on your phone, you can start.
That last point is worth dwelling on, because it is what makes free genuinely free rather than a trial in disguise. KODA does not need a telco API or a signed agreement with an operator to work — it verifies by matching the customer's reference code against the operator's own confirmation SMS on your merchant phone, exactly as explained in How to Verify an M-Pesa Payment Without a Telco API. There is nothing to procure and nobody to negotiate with, so the free tier is a complete working product, not a locked demo waiting for a sales call.
Here is how the pricing actually works, plainly. Every verification within your monthly quota costs nothing. You are not charged per confirmation, per customer, or per operator while you stay inside that allowance. The only thing that consumes credit is going beyond the plain-verification quota or using the AI-powered features, and that credit has a name: ACU. ACU is prepaid credit for AI features and for verifications above your plan's included amount. Ordinary verifications inside your quota never touch it.
Because of that structure, your cost tracks your growth rather than your fear. A new shop verifying a modest number of payments each month can run indefinitely on the free Marché tier and pay nothing. As your volume climbs and you start leaning on advanced features, you top up ACU transparently — you can always see what a unit does before you spend it. There are no surprise monthly minimums lying in wait, and you are never billed for protection you did not use.
Crucially, going free does not mean going without. All of the Five Ways to Accept & Verify Mobile Money (One Engine) — manual console, WhatsApp, API and checkout, USSD, and inbound SMS — are included from the very first day, running on the same engine described on How KODA verifies mobile money payments. So is the core anti-fraud work: the roughly three-second verdict, the permanent lock on every verified reference code that stops replay, the anti-forgery checks, and the fraud scoring that flags suspicious velocity. The free tier is not a stripped-down safety blanket; it is the real protection, metered fairly.
A common mistake merchants make is over-buying out of anxiety, committing to a large plan before they know their real volume, then paying for headroom they never touch. KODA's model is designed to let you avoid that entirely: start free, watch your genuine monthly numbers accumulate, and only move up when the data tells you to. You make the decision with facts instead of guesses, which is exactly how a pricing decision should be made.
If you do want more credit, there is more than one path to it. You can top up ACU directly and transparently, or you can earn it: bring other merchants onto the platform through the Refer a Merchant, Earn Free Credit — the KODA Referral Programme, and the KODA Growth Partner Programme programme rewards you with credit you can spend back on the tool. For an active, well-connected merchant, a meaningful share of AI usage can be funded by referrals rather than cash.
It also helps to understand why KODA can afford to be this generous, because a free tier that hides a catch is worse than no free tier at all. KODA never moves, holds or touches the money — it is not a bank or a wallet, so it carries none of the settlement costs, float risk or regulatory overhead that force other services to charge from the first transaction. Its only job is verifying that a payment truly happened by matching it to the operator's own confirmation. That narrow, honest job is cheap to provide at small volumes, which is precisely why the Marché tier can stay free without a hidden meter running underneath it.
The honest way to evaluate a verification platform is to run your own real payments through it and see the fraud it stops and the sales it saves. KODA makes that free to do, with nothing to sign and nothing to lose. Get started with KODA free now, verify your first payment free, and decide with real numbers instead of a sales pitch.
Yes — the Marché tier verifies real payments every month at no cost. You only pay when you outgrow it. Get started with KODA free free.
ACU is prepaid credit for AI features and verifications beyond your plan’s quota. Plain verifications within quota are free, and you can earn ACU via Refer a Merchant, Earn Free Credit — the KODA Referral Programme.