Are failed or missing payments costing you customers?
Fintech & Payments
Payments that go through, reconcile and stand up to an audit. We build and integrate mobile money, card and bank payment systems for banks, payment providers, fintechs and merchants across Kenya and East Africa, and handle the security and compliance work that comes with moving money.
What we build
Ten payment engineering capabilities
Grouped by what each one does for you: taking money in, moving it between institutions, letting your own teams and developers build on it, and keeping the whole thing defensible. Select any capability for the detail.
Accepting payments
The channels your customers actually pay through, brought together behind one checkout rather than bolted on one at a time.
Moving and settling money
Connecting to banks and to each other, across borders and currencies, and proving at the end of the day that every shilling is accounted for.
Platforms your teams work in
The portals your staff and agents use, and the APIs your developers build against.
Fraud, compliance and security
The work that decides whether a payment platform survives its first audit, designed in from the start rather than added after a finding.
The rails we integrate with
Payment infrastructure in this market is a set of rails, each with its own API, its own settlement behaviour and its own failure modes. These are the ones we build against.
M-Pesa (Daraja API)
Collections and disbursements, B2B and B2C payments, and STK Push checkout. STK Push is the M-Pesa SIM Toolkit prompt on the customer’s handset, which is a different mechanism from a card payment and is built as such.
Airtel Money and T-Kash
The other two mobile money rails in the Kenyan market, integrated for collections and disbursements alongside M-Pesa so a checkout is not tied to one operator.
PesaLink, RTGS and EFT
Direct connectivity to commercial banks for real time transfers, bulk payment runs and payroll disbursement.
Card networks and acquirers
Card processing through acquiring banks and local processors, with tokenised checkout flows so card data does not land in your own systems.
Compliance and screening services
PEP and sanctions screening and adverse media checks, wired into the payment flow rather than run as a separate manual step.
Why work with TecFlax
Four things that tend to decide whether a payment build lands on time and survives its first audit.
- Built for this market. Systems designed around how payments actually work in Kenya and East Africa, rather than a generic template repurposed after the fact.
- Compliance-aware engineering. Regulatory and security requirements are designed in from the start, not bolted on afterwards when a reviewer asks.
- End to end delivery. Architecture, build, integration, launch and ongoing support under one roof, so nobody is handing you between vendors mid-project.
- Built to scale. Architected to absorb growth in transaction volume without needing a rebuild at the point it finally succeeds.
How we work
Five stages, in this order, because the compliance work at the front is what stops the build being redone at the back.
1
Discovery and compliance mapping
We establish your licensing status, the payment rails you are targeting and the regulatory obligations that follow, before a line of code is written. This is the stage that most often changes the architecture.
2
Architecture and design
We design a secure, scalable system architecture matched to your expected transaction volumes and your growth plans, rather than to today’s traffic alone.
3
Build and integrate
We develop the platform and integrate it with mobile money, banks, card networks and whichever compliance tooling the design calls for.
4
Test and certify
We run sandbox and security testing, and support you through any certification or compliance review the rails or the regulator require.
5
Launch and support
We go live with monitoring in place and stay on for ongoing support, with the platform built to scale as transaction volumes grow.
Supported after launch
A payment platform is not finished at go-live, it is only exposed at go-live. Every system we build can be covered by a 24/7/365 SLA support and maintenance agreement covering monitoring, incident response, configuration changes and platform updates.
Response and resolution targets are set in your agreement rather than published here, because they depend on what is covered and at what hours. We monitor what we build: see banking and fintech monitoring for how transaction flows are watched in production.
Payment engineering, not general software
Payments are unforgiving in a way most software is not. A failed request is somebody’s rent, a duplicate is a refund and a reconciliation gap is an audit finding. The engineering discipline that follows from that, idempotency, reconciliation, audit trails and careful failure handling, is what separates a payment platform from an application that happens to take money.
TecFlax designs and builds this infrastructure for banks, payment service providers, fintech startups and merchants across Kenya and the wider East African market. We handle the engineering, the compliance work and the security work required to move money reliably, so our clients can concentrate on growing the business rather than on the plumbing underneath it.
TecFlax Solutions Limited was established in 2014 by a team of engineers registered with the Engineers Board of Kenya. The same engineers who build these platforms also run the Linux, cloud, monitoring and security work they sit on, which is why a payment system we deliver does not arrive without a plan for keeping it up.
Let us build your payment solution
Whether you are a bank, a fintech startup or a merchant looking to accept payments, tell us about the project and our engineers will come back with a practical proposal.