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FinTech solutions that
evolve with you.

SMME Digital Banking

Ukheshe has developed a microtransaction platform that allows individuals to pay and #getpaid. The Ukheshe digital banking platform allows for the unbanked & underbanked to transact in ways that are convenient, easy & affordable.

Seamless Integration

The Ukheshe API allows seamless 3rd party integration with all the benefits one needs to offer end-to-end payment solutions:

Fintech Architecture

The Ukheshe API allows seamless 3rd party integration with all the benefits one needs to offer end-to-end payment solutions:

Secure manufacturing & personalisation of cards

  • Financial Dual Interface, EMV contact, Magnetic stripe, Metal cards
  • Telecommunication SIM cards, Scratch cards and Application Solutions
  • Government ID cards, driving license, Polycarbonate cards Visa & MasterCard Certified products from manufacturing plant in Tanzania.

Physical Card

Ukheshe, in partnership with dz card Africa (a fully certified Mastercard and Visa card production company) supplies highly secure and specialised EMV card products to banks and financial institutions. We supply a broad, up-to-date range of EMV card chip platforms.

Ukheshe has extensive experience from several successful EMV card migration projects in Africa where we have supplied millions of EMV cards.

Ukheshe card service includes:

  • Card Program Selection (debit, credit, pre-paid)
  • Card Program design
  • Card design
  • Profile and script development
  • EMV data preparation
  • Personalisation services (Central, remote or instant issue)

dz card has production capacity to meet any issuers needs for dual interface, contact only and simple magstripe cards.

dz card Africa is based in the export processing zone (EPZ) in Dar es Salaam, Tanzania. This means all cards manufacture and shipped to any EAC and SADC country, should attract zero import duties. This has proved to be a huge cost saver to banks in these regions.

Companion Card

Mobile money providers who have embraced companion cards cite the ability to fast track the uptake of a range of use cases (e.g, merchant payments, e-commerce, ATM withdrawals) and report an increase in customer acquisition in cases where cards are aspirational to target customer segments.

Companion cards can be used in the following situations:

  • Withdrawing funds at existing ATM networks
  • Paying for goods or services
  • Making online / e-commerce transactions and
  • Linking companion cards with a mobile wallet

Tap2Pay

Ukheshe is a microtransaction platform that allows you to pay and #getpaid. It’s unlike any eWallet or QR payment service. Ukheshe is Masterpass certified which means it can accept payment from Zapper and most banking apps. Just lookout for the Masterpass logo

Secure. Quick. Transactions.

Tap2Pay is a card payment system designed for secure, quicand easy payments for small payment amounts through the use of special antennas embedded in them which are used to transfer information on Tap to Pay terminals.

Tap2Pay is ideal for merchants who process low ticket value transactions, such as fast-food restaurants, petrol stations, supermarkets, convenience stores, movie theatres, etc.

Benefits of Tap2Pay include:

  • No long queues
  • Lesser risk of fraud
  • Hygiene: Only you touch your card

Chat Commerce

The shift to cashless payments continues to gain momentum with digital commerce growing at 2x the rate of physical, reaching more merchants and consumers.

Safe and Secure

As consumers demand an ever more personalised and attentive shopping experience Chat Commerce is fast ecoming the way to support their customers as they search for products, place orders, pay bills, buy airtime, and much more.

Our Chat Commerce Platform allows for direct revenue opportunities through:

  • Acquiring and Issuing Interchange
  • Bill Presentation & Collection Fees
  • Airtime Distribution
  • Value-Added Services
  • Vouchers
  • Bill Payments

Which allow for:

  • Acquiring and Issuing Interchange
  • Bill Presentation & Collection Fees
  • Airtime Distribution

KYC

The process of knowing your customers is imperative in verifying the identity of customers before or during the time that we engage in business with them.

Know Your Customer

KYC allows companies to protect themselves by ensuring that they are doing business legally and with legitimate entities, and it also protects the individuals who might otherwise be harmed by financial crime.
Registered customers with access to a phone with a camera & WhatsApp, Ukheshe App, or fintech relevant app for the country.
They then use their camera enabled smartphone to take a photo of their ID
Document or Passport.
They then use their camera enabled smartphone to take a photo of them seleves for further authentiification.
They then capture there name, surname, ID/
Passport number and submit data.
Onboarding Engine ( Ratify.ai ) checks all data matches – Ai checks OCR ID, Passport, Facial Matching, Liveness Verification, OFAC & Banned Lists
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