iKhokha
Payment gateway for SMBs
iKhokha empowers small businesses across South Africa with simple payment solutions. We built the infrastructure that now processes over R1 billion in transactions every week.
Payments for the Underserved
Small merchants in South Africa were locked out of digital payments. Banks charged too much, integrations were complex, and support was non-existent for small businesses.
PAIN POINTS
- ×High transaction fees eating margins
- ×Complex integration requirements
- ×Poor connectivity in rural areas
- ×Limited support for informal merchants
Resilient Payment Infrastructure
We built a payment system designed for Africa: works offline, syncs when connected, supports multiple payment methods, and provides real-time business insights to merchants.
TECH STACK
KEY FEATURES
- →Offline-first transaction processing
- →Multi-method payments (card, mobile, QR)
- →Automatic reconciliation
- →Real-time merchant dashboard
- →Instant settlement options
$ terminal.init(merchant='spaza_456')
→ Terminal online. Offline cache: 847 pending.
$ payment.process(amount=R250, method='tap')
→ Card read... Authorizing...
→ APPROVED. Receipt sent via WhatsApp.
$ sync.batch()
→ Uploading 847 offline transactions...
→ Reconciled. Merchant balance: R12,450
$ settlement.instant()
→ Funds transferred to merchant account.
Want results like this?
Let's talk about building something autonomous for your business.
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