One API. Every Ghana payment rail. Real-time double-entry ledger, automatic MNO reconciliation, and cross-border settlement in under 90 seconds. Production-ready on day one.
Six MNOs. Two switching networks. Dozens of API formats. No unified layer. No reconciliation standard. Until now.
Every MNO has a different API, a different portal, a different account team. Each integration is bespoke. Engineering burns cycles on infra instead of building product.
No intelligent routing means a single rail failure collapses your entire checkout. No auto-retry. No fallback. Your users see errors. Revenue disappears silently.
Finance teams manually match MNO settlement files against transaction logs. Per cycle, that's 2 full working days. It introduces errors, delays financial close, and becomes the operational bottleneck that kills your velocity as you scale.
Enko RouteIQ sits between your product and every payment rail in West Africa — routing intelligently, handling failures automatically, and posting every event to Enko LedgerCore in real time.
Enko RouteIQ is the intelligent payment orchestration layer that sits between your product and every rail in West Africa. It connects MTN MoMo, Vodafone Cash, AirtelTigo, GhIPSS, Paystack, and Flutterwave through a single API — selecting the optimal rail for every transaction in milliseconds. For fintechs, neobanks, banks, and any institution moving money at scale.
Each product is standalone and composable — replace your entire payments engineering stack or adopt a single layer.
Real-time double-entry financial ledger. Every payment posts an immutable entry automatically. Auto-reconciles against MNO settlement files — cutting a 2-day manual cycle to 20 minutes. For fintechs, MFIs, and banks that need a clean financial record of every GHS moved.
Ghana→Nigeria in under 90 seconds via ILP. No SWIFT complexity, no correspondent banking accounts, no 3-day settlement windows. For fintechs, neobanks, and banks that want to open cross-border revenue corridors without the traditional infrastructure burden.
Direct GhIPSS access without the 12-month DFSP certification process. Enko holds the accreditation — your institution gets GhIPSS GIP, GhQR, and GhIPSS Instant in days. Critical for banks, MFIs, and savings and loans companies that need interbank switching access without the multi-year process.
National-level payment hub deployment for central banks, regulators, and government institutions. Enko InteropBridge enables G2P disbursements to reach citizens via any payment rail in the country — from a single, Bank of Ghana-compliant infrastructure.
The unified API surface across all Enko products. One key, one webhook schema, one SDK — for everything. Built for developers who have been burned by poorly documented African fintech APIs. Every error message tells you the field, the reason, and the fix.
No professional services. No six-week onboarding. No calls with MNO account managers. Just an API that works, docs that explain themselves, and sandbox credentials that behave exactly like production.
Sign up, verify your business, receive sandbox and production credentials immediately. No sales call required for sandbox access. Start testing in minutes.
Set rail priority, fallback logic, and amount-based routing via dashboard or API. Route MTN MoMo by default, fall back to GhIPSS above GHS 5,000 — without a single code change.
One POST to /v1/payments. Enko RouteIQ selects the rail, handles retry logic, and fires webhooks automatically. Enko LedgerCore posts the double-entry ledger record in real time.
Enko LedgerCore auto-reconciles against every MNO settlement file. Dashboard shows live success rates, wallet balances, and settlement status. Audit trail is immutable and always ready.
Your engineers should build features that differentiate your product — not maintain bespoke MNO integrations, debug settlement files, or write reconciliation scripts at 2am. Enko replaces 6 months of integration work with a single afternoon.
We built the API we wished existed when building on West African payment infrastructure. Clear docs with real working examples, SDKs that actually run, and a sandbox that behaves identically to production — no surprises on go-live.
Enko holds DFSP certification so you don't have to wait 12 months for your own. Your institution gets GhIPSS access in days. LedgerCore replaces your manual reconciliation process without touching your core banking system.
InteropBridge deploys national-level payment hubs compliant with the Bank of Ghana framework. G2P disbursements reach citizens via any payment rail — automatically, reliably, and with a full immutable audit trail on every public GHS moved.
Security is not a premium add-on. Every Enko deployment is hardened, certified, and monitored around the clock. It's the foundation everything else sits on.
All data encrypted at rest and in transit. TLS 1.3 enforced on every API endpoint. No plaintext credentials ever stored.
Dedicated security team monitoring all systems continuously. P0 SLA of 15 minutes. Every incident gets a post-mortem within 48 hours.
Every transaction, routing decision, and ledger entry is permanently recorded and tamper-proof. Immutable by design via LedgerCore's append-only architecture.
All transaction data stays in Africa. Your customers' financial data never leaves the continent.
Docs that actually work. Errors that explain the field, the reason, and the fix. A sandbox that behaves identically to production. First live payment in under 10 minutes.
Book a 30-minute demo. Real engineers on the call. We'll show you exactly how Enko fits your stack, what the integration looks like, and what you can expect in week one.
No credit card. No sales pressure. 30 minutes. Actual engineers.
30 minutes. Real engineers. We'll show you exactly
how en•ko fits into your stack.