Financial operations infrastructure · Africa
Infrastructure for businesses that already move money.
Tills, paybills, banks, mobile money and cross-border rails, verified counterparties, eTIMS, accounting and a ledger you can read. FinoQ connects what you already use into one operating layer, behind one API.
Formerly PayHero Africa · WhatsApp +254 765 344 101
Available
1,284,320.55
Collected · 30d
4,912,700
Paid out · 30d
3,628,380
Connected channels
- Paybill 522 611M-PESACollecting
- Equity · 0160…4412BankPayouts
- Till 894 220Buy goodsCollecting
- MTN MoMo · UgandaCross-borderPayouts
- KRA eTIMS · Zoho BooksTax & accountingActive
Activity
- Wanjiru StoresINV-1042 · Paybill+18,400.00
- Kilimani Supplies LtdBank · verified name−62,000.00
- Kampala Freight CoMoMo · UGX · name verified−86,200.00
- September salaries14 recipients · scheduled−412,500.00
Works with
- M-PESA
- Airtel Money
- MTN MoMo
- Banks
- Paybills
- Tills
- Cards
- Cross-border
- KRA eTIMS
- Zoho Books
Customers
Trusted by companies and teams around Africa.
Five pieces of infrastructure
Not a wallet. Not a PSP. The layer that connects yours.
Each piece works on its own and switches on per account. Together they cover a payment from the moment you meet a counterparty to the moment it lands in your books.
All of it, one API
- 01
KYC & KYB infrastructure
Verify the people and businesses you onboard before they touch money. National ID, passport, KRA PIN, tax ID and company checks, with an audit trail of every lookup, so impersonators never get an account.
- 02
Verify before you disburse
Confirm the bank account holder or the registered owner of a phone number before a payout leaves. Gate single, bulk and scheduled payouts on a verified name, and stop wrong-account transfers before they happen.
- 03
Channels across Africa
Mobile money, banks, paybills, tills and cards behind one integration, with cross-border collections and payouts converted to local currency. Bring your own credentials and keep your provider relationships.
- 04
eTIMS & accounting, plugged in
Fiscalise sales with KRA eTIMS in one call and mirror invoices, payments and expenses into Zoho Books. Daily journals and control-account reconciliations for platforms running their own books.
- 05
Ledger infrastructure
Every collection and payout on a double-entry ledger you can read: live balances, statements, a searchable history with a step-by-step timeline, and signed webhooks for everything above.
Inside the product
Know who pays you. See where every shilling goes.
01 · Verified beneficiaries
Add the people you collect from. We verify them for you.
Add a customer, member or tenant with their ID, and FinoQ Connect checks it automatically: the name and date of birth come from the ID record, and every phone number or bank account is matched to its owner before you use it.
- Collect from verified beneficiaries with personal verification on your account. No company-tier KYC needed.
- Prompt their phone directly, or send a payment link with their details already filled in.
- Payout accounts are name-matched, so refunds and settlements reach the right person.
Beneficiaries
People you collect from
- AWAchieng WanjiruPerson · +254 7•• ••• 214Verified
- KMKibet MutaiPerson · +254 7•• ••• 908Verified
- NONalongo OkelloPerson · +256 7•• ••• 551Verified
- TATunde AdeyemiPerson · +234 8•• ••• 377Pending
Achieng Wanjiru
- ID
- National ID · 3•••••12
- Date of birth
- From the ID record
- Phone
- +254 7•• ••• 214 · owner matched
Payout accounts
- M-PESA · +254 7•• ••• 214Name on line: Achieng Wanjiru✓ match
- Bank · Acc 01••••••4471Account holder: Achieng Wanjiru✓ match
02 · Channel analytics
Connect as many banks, paybills and tills as you run.
Every channel you collect into and every one you pay out of, side by side. Money in reads as revenue, money out as expenditure, and the net is worked out for you, per channel and across the business.
- Inbound and outbound channels in one view, for today, this week, this month or all time.
- See which channel carries your revenue and which one drains it.
- Your accounts stay yours. FinoQ connects them; it does not replace them.
Channel analytics
Every bank, paybill and till, in and out
Revenue
797,560
3 inbound channels
Expenditure
229,400
2 outbound channels
Net
+568,160
KES · this month
- Operations accountBank · Acc 01••••7Revenue+412,800146 transactions
- Main collectionsPaybill · 5•••42Revenue+286,3501,204 transactions
- Westlands shopTill · 8••2 20Revenue+98,410687 transactions
- School feesPaybill · 4•••77Expenditure−55,5002 transactions
- SuppliersBank · Acc 07••••3Expenditure−173,90018 transactions
FinoQ on WhatsApp
Run your money from the chat you already have open.
No new app to install. Alerts, channel insights and payouts come to the same WhatsApp you use with your customers, and every payout still needs your PIN.
Real-time alerts
Every collection and payout, on every channel, the moment it happens.
Channel insights
Revenue, outgoing and net per bank, paybill and till, for any period.
Quick actions
Collect from beneficiaries, pay bills and send payouts with the phone or bank name verified first.
FinoQBusiness accountToday
Payment received
KES 4,500.00 from Jane W. into Main collections (Paybill 5••42)
Ref QXR8••T2 · 09:41
Payment received
KES 1,200.00 from Brian K. into Westlands shop (Till 8••20)
Ref QXR9••K7 · 09:44
Payout sent
KES 18,000.00 to Suppliers (Bank · Acc 07••3)
Receipt UJ4S••2IA · 09:52
Revenue KES 182,400 · 4 inbound
Outgoing KES 61,300 · 3 outbound
Net +KES 121,100
Your channels
- Main collectionsRevenue · KES 96,200 · 412 txns
- Westlands shopRevenue · KES 58,900 · 233 txns
- SuppliersOutgoing · KES 44,500 · 6 txns
Review and confirm
- Send to
- A bank
- Amount
- KES 25,000.00
- Bank
- Equity Bank
- Account
- 01••••••4471
Verified: registered to ACHIENG WANJIRU
Built for both
The same rails, whether you have a tech team or not.
Small businesses · no tech team
Everything from the dashboard. Nothing to build.
Connect the paybill, till or bank you already own, invite your team, verify a supplier, send a payment link, and let eTIMS and Zoho keep up. The same infrastructure, with no code in sight.
- Start on a phone-verified tier today
- Your customers keep paying the way they do
- Books and tax handled by default
Fintechs & platforms · build on top
End-to-end finops you can specialise for your own use case.
Onboarding, verification, collections, payouts, fiscalisation, accounting and the ledger, on one API. Build your credit, insurance, marketplace or payroll product on top and keep your engineering where your moat is.
- Bring your own M-Pesa, Airtel Money, PSP or bank credentials
- Hosted onboarding for the merchants you serve
- Everything in the dashboard is on the API
Products
Three products. One login. One API key.
Every module is opt-in. Connect only what your business uses.
One API
Verify. Collect. Pay out. Fiscalise. Post. Read the ledger.
One integration, one credential, one webhook pipeline. Nothing hidden behind a sales call, nothing you have to build twice.