SPARK MPAY

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  • Accelerated Digital Payment Adoption & Financial Inclusion

    Enable large-scale onboarding of consumers and merchants across smartphones and feature phones expanding access to secure digital payments and driving ecosystem growth.

  • Unified Ecosystem Control & Interoperability

    Connect banks, operators, merchants, and national switches within a single platform, ensuring seamless interoperability, centralized governance, and operational efficiency.

  • Scalable, Secure Infrastructure for Market Expansion

    Deploy a compliant, high-performance mobile payment framework that supports multi-bank, multi-channel operations while enabling rapid expansion across regions and use cases.

Banks and payment authorities face fragmented mobile payment infrastructures, siloed bank-operator integrations, and limited interoperability that slow ecosystem adoption, increase operational complexity, and hinder large-scale financial inclusion.

  • SPARK MPay enables you to deploy your mobile payment strategy on a large scale in an agile and completely secure manner.

  • Based on a multi-bank, multi-operator and multi-channel approach (USSD or mobile application), SPARK Mpay quickly and easily connects all users and merchants, from proximity payments to e-commerce.

Connected Mobile Payment Network for Consumers & Merchants

  • Simpler usage, faster adoption

    Simplified deployment and faster strategy execution through a single unified solution across all channels, operators, banks, and use cases.

  • Secure and seamless mobile payments

    Advanced security mechanisms ensure fast, reliable and secure transactions, while maintaining an optimal user experience.

  • Improved merchant efficiency

    Mobile payment collection and real-time reporting improve merchant operations, cash flow management and transaction visibility.

SPARK Mpay for Switches

Seamless Interoperability. Strategic Control.

The SPARK Mpay for Switches module natively integrates SPARK MPay with national and international payment switches, placing the platform at the center of the payment ecosystem.

It orchestrates transaction routing, manages bank authorizations, and ensures seamless interoperability across banks, operators, and networks  within a secure, high-performance framework.

  • Native integration with domestic and international switches
  • Intelligent routing and authorization management
  • Multi-bank and multi-operator interoperability
  • High availability and regulatory compliance

The result is resilient ecosystem connectivity and a scalable foundation for digital payment expansion.

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SPARK Mpay for Merchants

Simplified Mobile Acceptance. Immediate Value.

The SPARK Mpay for Merchants module enables businesses to accept mobile payments quickly and efficiently without heavy infrastructure or complex deployment. Each merchant is equipped with a virtual cash register linked to their phone number, allowing seamless payment collection and real-time transaction visibility.

  • Instant mobile payment acceptance
  • Virtual cash register linked to merchant identity
  • Real-time transaction tracking and activity monitoring
  • Cash-in and cash-out capabilities

By lowering infrastructure and operational complexity, the Merchants module accelerates onboarding and strengthens digital payment adoption.

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SPARK Mpay for Customers

Secure, Inclusive Mobile Payments for Everyone

The SPARK Mpay for Customers module allows consumers with secure and easy access to mobile payment services regardless of their device type. Designed for inclusivity and scale, it supports both USSD channels for feature phones and dedicated Android and iOS applications for smartphone users.

  • Merchant payments (proximity and remote)
  • Bill payments and utility settlements
  • Airtime top-ups and mobile services
  • Person-to-person money transfers
  • Real-time transaction history and balance consultation
  • Strong authentication and secure transaction validation

By combining accessibility, simplicity, and security, The SPARK Mpay for Customers module accelerates user adoption, strengthens financial inclusion, and delivers a seamless mobile payment experience across all customer segments.

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