The payment ecosystem of IT Consortium
One payment ecosystem.
Every way money moves.
TransFlow connects banks, businesses, merchants and people across mobile money, bank and digital payment channels, making payments simpler to collect, manage and move.
Connected by experience
Built on 25 years of real-world payment deployment across Africa.
Real payments moving through TransFlow rails, month after month.
Collection and payment rails for banks across four African markets.
Reaching customers through Ghana’s community and rural banking network.
Organisation-wide information security and global card-data standards, independently audited.
one ecosystem, built around you
Choose the way you need money to move.
Whether you run a company, a market stall, a bank or your own household, there’s a TransFlow built for how you pay.
For businesses
with TransPay
Pay salaries, pensions, claims and bills from one controlled platform.
For merchants
with TransFlow Merchant
Accept and track payments using the phone already in your hand.
For banks
with Bank Collections
Bring your bank into the collection journeys your corporate customers rely on.
For individuals
with TransFlow Mobile
Buy airtime, pay bills and send money in one app.
Payments are personal
Behind every transaction is a school fee paid, a shop restocked, a family staying connected.
TransFlow’s job is to make those moments unremarkable: money arriving where it should, when it should, whether it comes from a bank, a wallet or a card. The infrastructure matters precisely because nobody at the dinner table has to think about it.
Built for how Africa pays.
Mobile money first, banks alongside, and every cedi, shilling and franc accounted for.
How TransFlow connects
One practical layer between where money is held and where it needs to go.
Where the money is held
Collections
Disbursements
- Collections
- Disbursements
- Lending
- Payments infrastructure
Collections
Disbursements
Where the money needs to go
transf low for business
Salaries. Pensions. Claims. Bills. Paid properly, at scale.
TransPay is the foundation of the CFO stack: one controlled platform for bulk disbursements and corporate bill payments, with maker-checker approvals and full visibility over every cedi that leaves the business.
- Bulk disbursements at scale
- Insurance claims and loan payouts
- Maker-checker approvals
- Salary and pensions payments
- Corporate bill payments
- Full transaction reporting
GHS 200m+ disbursed through TransPay every month.
The phone is the terminal.
MoMo and contactless card acceptance for everyday merchants.
transflow merchant
Accept payments with the phone already in your hand.
Turn the phone you already own into a simpler way to accept and track retail payments, from mobile money to contactless cards, with no unfamiliar hardware between you and your customer.
- Accept MoMo and contactless cards
- Instant payment confirmation
- Nothing extra to buy, carry or charge
- See the day's takings at a glance
TransFlow for banks
Make your bank part of every collection journey.
Connect businesses and billers to the bank, collect through multiple channels and simplify payment identification and reconciliation.
In-bank collections
Corporate collection services
Biller connectivity
Multi-channel collections
Payment identification
Reconciliation and reporting
And when you're ready to lend digitally
TransFlow’s credit infrastructure covers both sides of digital lending: the decisioning that approves each loan, and the core it runs on.
NovaCore
A complete mini-core banking platform for lending and deposits. Run your loan book end to end, from origination and scoring to disbursement, interest accruals and repayments, with savings and deposit accounts on the same ledger. Deploy it as your institution’s core system of record, or off-ledger beside your existing core so high-volume activity never touches its performance.
CreditPulse
Automated credit decisioning for digital lending. Multi-source data and machine-learning risk scoring approve and disburse in seconds, because nano-loans only make money when the decision costs next to nothing.
TransFlow Mobile
Your everyday payments, money tools and services in one app.
Buy airtime and data, pay your bills, send money and more, in one app built for everyday life.
- Buy airtime and internet data
- Send and receive money
- Instant payment confirmation
- Pay utilities and school fees
- Motor insurance and more
- Full transaction history
Built on the rails that move 40m+ payments every month.
for developers
The TransFlow API platform is on its way.
Collections, disbursements, payments and lending already run on TransFlow rails. We are preparing public APIs, documentation and a sandbox so your team can build on them too.
No public documentation yet. Join the list and we will email you the moment the sandbox opens.
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About TransFlow
Built in Africa for the way money moves here.
TransFlow is the payment ecosystem of IT Consortium, connecting financial institutions, businesses, merchants and individuals through practical payment infrastructure and experiences.
It pairs deployment experience gathered across banks, billers, mobile channels and four African markets with a platform designed to keep evolving as customers, channels and services change.
Start a conversation
Let's get your money moving.
Tell us what you are trying to achieve. We will connect you with the right TransFlow team.
