Top up KODA with mobile money, card, voucher or a local agent — and the mobile-money top-ups are verified by KODA's own engine. Pay with the money you already use.
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KODA bills in a simple unit called ACU — account credit you spend as you verify payments — and it lets you buy that credit with whatever money you already have. Mobile money, a card, a signed voucher PIN, or cash to a local agent: all of them top up the same balance. There is no single mandatory rail and no assumption that you hold a card or a bank account, which matters enormously for the merchants KODA is built for, many of whom have neither.
The headline is that you can pay for KODA with the very mobile money you get paid in. A merchant who receives Orange Money or M-Pesa all day can turn around and top up their verification credit from that same wallet, in the same app they already use, without ever touching a card. Nothing about funding the tool requires a different kind of money than the business already runs on — you pay with what you have.
There is a neat honesty to how those mobile-money top-ups are confirmed: KODA verifies them with its own engine. The same mechanism that tells a merchant a customer's payment is real is what tells KODA that a merchant's top-up is real — the product pays for itself through the product. If the verification were not trustworthy, KODA would not stake its own billing on it; the fact that it does is the strongest statement we can make about how well it works. The engine behind it is explained in How to Verify an M-Pesa Payment Without a Telco API.
Multi-rail billing also means you never hit a wall. If a card fails, there is mobile money; if there is no card at all, there is a voucher or a local agent. A merchant in a market with no card acceptance can be funded entirely through PINs bought down the road, as described in Mobile Money Verification Vouchers That Work Offline, while a platform integrating by API can settle however suits it. Payment for the tool bends to the merchant's reality rather than forcing the merchant to find a particular kind of money.
The free tier means you only start spending credit once the tool is genuinely working for you. Failed and expired verifications are free, and the entry plan costs nothing, so a small merchant can run real business on KODA before paying a cent — the full structure is in Verify Mobile Money Payments Free — How KODA Pricing Works. When you do top up, you are buying ahead against usage you can see, not signing up to a bill that arrives whether you traded or not.
It is worth being precise about what this billing is and is not. Topping up pays KODA for verification; it is entirely separate from your customers' payments, which KODA never holds, moves or settles. The money between you and your customers stays on the operator's network at all times — paying for KODA simply keeps your account funded so the engine keeps confirming those payments. KODA is a verification service, not a wallet or a processor.
If a card requirement has ever stood between a merchant and a tool they needed, this removes it. You can fund KODA with mobile money, card, voucher or an agent — whichever you actually have — and the mobile-money route is verified by the same engine you are paying for. See every option, then Get started with KODA free and top up in a minute with the money already in your wallet. Partners who want to sell that credit on can find the terms on Become a KODA partner — earn reselling payment verification.
With mobile money, a card, a signed voucher PIN, or cash to a local KODA agent — all top up the same ACU credit balance. There is no mandatory card or bank account. Create an account and top up on Get started with KODA free.
Yes. You can top up your verification credit from the same Orange Money, M-Pesa or other wallet you already receive payments in, with no card involved — paying for the tool with the money your business already runs on.
By KODA's own verification engine — the same mechanism that confirms a customer's payment confirms your top-up. The product pays for itself through the product; the engine is described in How to Verify an M-Pesa Payment Without a Telco API.
You can fund KODA entirely with mobile money, or with signed voucher PINs bought from a local agent, as in Mobile Money Verification Vouchers That Work Offline. No card and no bank account are required at any point.
No. Topping up pays KODA for verification only; your customers' payments stay on the operator's network and are never held or moved by KODA. Billing and customer payments are completely separate.