KODA
Industries

Anywhere money meets a merchant.

One engine, five doors — Manual, WhatsApp, API, USSD and inbound SMS — deployed across commerce, education, transport, health, agriculture, ticketing, field sales and government.

Restaurants & delivery

Orders verified before the kitchen fires. No more "I sent a screenshot" at the counter.

Retail & Scan-to-pay

In-store checkout confirmation without POS-telco integration — the counter sees "paid" the moment the operator SMS lands.

Schools & education

School-fee invoices matched to payments automatically; course unlocks on verified payment.

Events & ticketing

QR tickets issued only on verified payment; replay-locked codes kill duplicate-ticket fraud.

Marketplaces & platforms

Sub-merchant API, scoped keys, trust scores and re-billing — one platform deal onboards thousands of merchants at wholesale rates.

Utilities, MFIs & Gov

Bulk reconciliation, in-country residency, dedicated corridor models and audit-grade decision traces for every verification.

Transport & mobility

Fares confirmed before the ride — taxis, boda-boda, minibus and inter-city. USSD and inbound-SMS doors serve drivers and riders on feature phones.

Health & pharmacies

Consultation and prescription fees verified before dispensing; clean, disputable records for clinics, pharmacies and community health funds.

Agriculture & cooperatives

Input sales, produce buying and member dues reconciled in the field — offline-capable over USSD where connectivity is thin.

Hospitality & lodging

Bookings and deposits verified before check-in; no more no-show screenshots for guesthouses, lodges and tour operators.

Fuel, energy & PAYG

Pump payments and pay-as-you-go solar / LPG / water top-ups confirmed instantly at the point of sale.

NGOs & humanitarian

Cash-transfer disbursements and donations reconciled with audit-grade traces for every payment — reporting donors can trust.

Rent & real estate

Rent, deposits and agency fees matched to the right tenant automatically, across an entire portfolio.

Services & trades

Deposit-before-work for salons, repairs, tailors and freelancers — the code confirms the cash before the job starts.

Airtime & digital resellers

The distributor tree: prepaid ACU, airtime and game-credit resellers whose own incoming top-ups are verified by the same engine.

Talk to us about your industry →