The Information Layer
The Power of Notification APIs.
One Notification API integration: Every transaction, instantly actionable for your people, your teams, and your systems.
01
The Signal, Not the Noise
Every time money moves through your bank account, your bank generates a rich, structured notification payload. It contains the amount, sender, channel, timestamp, reference number, and more, produced at the exact moment the transaction happens.
Most businesses receive a fraction of this as an SMS or email: a few words, stripped of structure, delivered to a single inbox. A notification API delivers the full payload, in real time, to whatever person or system actually needs it.
This is the information layer of your bank account. It has always existed. What changes now is your ability to unlock it.
02
Your Frontline, Informed in Real Time
In retail, hospitality, and service environments, transaction information is frequently invisible to the staff on the ground. Staff rely on shared devices, manual reference checks, or verbal confirmations to verify a payment has cleared, creating blind spots, delays, and fraud risk at every point of exchange.
A notification API changes this completely. The moment a payment clears, a configured signal reaches the right person, directly to their phone or device, with only the information they need to act.
Retail & Service Environments
Frontline staff receive instant payment confirmation the moment a transaction clears, on their own device, with only the details they need to act.
Hospitality & Events
Front-of-house staff confirm deposits and settlement without interrupting service or escalating to a manager. Verification happens silently, in seconds.
Fraud Prevention
Because signals are delivered directly to designated devices, not shared screens or communal inboxes, the common vector of transaction manipulation at the frontline is closed entirely.
03
Your Teams, Unblocked
A single payment often needs to trigger multiple operational actions simultaneously. When a client pays, a caretaker needs to grant property access, a dispatcher needs to release cargo, an accountant needs to log the receipt, and a manager needs visibility. The conventional chain is sequential: one person confirms the payment, then manually notifies the next, who then notifies the next.
One notification API integration eliminates the entire relay chain. The platform processes a single incoming payload and simultaneously routes a role-specific signal to every stakeholder who needs to act, each receiving exactly the information relevant to them, nothing more.
Property Management
When a tenant pays rent, the caretaker receives a lightweight site-operations signal instantly. The landlord receives a full payment summary. The accounting system is updated. All three happen in parallel, from one transaction event.
Logistics & Supply Chain
When a client settles an invoice, the driver receives clearance to dispatch. The fleet manager sees the transaction in their dashboard. The finance team has the reconciliation entry. No phone calls required.
Field Services
Engineers, agents, and technicians working remotely receive payment confirmation directly. Work orders move forward without waiting for back-office approval cycles.
04
Your Systems, Automated
Manual data entry is where transaction information goes to slow down. As an organisation scales, feeding bank data into accounting software, ERP platforms, membership systems, and CRMs manually becomes an operational liability, creating reconciliation lag, human error, and backward-looking reporting that is always a step behind reality.
A notification API turns the bank account into a live data engine. Each transaction generates a structured, machine-readable payload that can be routed directly into any software system that accepts it, formatted to match its exact ingestion requirements.
Accounting & ERP
When an invoice is settled, the routing engine generates a JSON or XML payload and channels it directly into your accounting software. The entry is created, the invoice is matched, and the books are updated as the money moves.
Member-Based Organisations
When a member pays a subscription, the notification is routed directly into the membership platform. Payment status updates, access is granted, and renewal records are refreshed automatically.
Grant & Fund Management
Organisations managing multiple funding streams receive aggregated daily signals that separate operational revenue from restricted funds, giving multi-stakeholder transparency without manual categorisation.
05
One Account. Every Channel.
Integrating at the channel level (a telco API, a payment gateway, a mobile money platform) means processing only a fraction of your organisation's financial reality. Each channel is blind to the others. You get M-Pesa or card or PesaLink, never all three, and never in a single, unified view.
The bank account is the terminal destination where all financial channels eventually settle. M-Pesa, PesaLink, RTGS, card, cash, charges, inward and outward, they all arrive at the account. By connecting at the account level through the notification API, a single integration captures every transaction, regardless of how or where it originated.
06
Built on the Global Standard
The transaction data this API delivers is structured using ISO 20022, the global financial messaging standard. Kenya's high-value settlement system migrated to ISO 20022 in October 2024, one of the first on the African continent to do so. The data is not raw; it arrives pre-structured, with defined fields for sender, receiver, amount, purpose, and remittance reference, ready for automated processing the moment it lands.
The full picture on ISO 20022, Kenya's adoption, and what is being built around it →
See the infrastructure for yourself.
We have live performance data on how bank notification APIs behave across Kenya's banking network. See which banks are ready, how reliably they deliver, and what integration looks like in practice.