PayConnektThe operating system for your distribution business.
Not a reporting tool — the whole operation: your network, your money, your prices, your channels and your brand, run from one place.
Your whole network, one account.
Onboard distributors, let them onboard their retailers, and keep every level scoped to its own customers, prices and reports. Staff get role-based logins — finance, support, operator — under the same roof.
Move money down the chain, safely.
Every distributor and retailer runs on a wallet. Top up, give advance credit, set credit limits and collect payments — outstanding balances track themselves on a double-entry ledger, never in a spreadsheet.
Your margins, per level, per product.
Set wholesale and retail margins per product, brand or country. Each tier of the network sees its own rate card — base cost, sell price and margin — and nothing above it.
| Operator | Product | Base | Sell | Margin |
|---|---|---|---|---|
| MTN | Airtime 100 | 94.80 | 97.20 | 2.53% |
| MTN | Data 5GB | 201.50 | 208.00 | 3.23% |
| Airtel | Airtime 500 | 472.00 | 484.50 | 2.65% |
| Airtel | Data 2GB | 118.30 | 122.40 | 3.47% |
| Zain | Airtime 10 | 9.42 | 9.75 | 3.50% |
| Ooredoo | Data 1GB | 64.90 | 66.85 | 3.00% |
Sell in the shop, on the web, over USSD.
Retailers sell from the branded portal, customers buy on your website, and feature-phone markets dial a USSD menu. Every channel draws the same catalog and settles on the same wallet.
Their brand up front. Your rails behind.
Give every partner their own domain, logo and colours — shop, statements, receipts and emails included. Nothing on screen names the platform underneath.
And when the month closes, the books agree.
Statements of account, daily summaries per market and receivables reports — generated from the same ledger the money moved on, so finance never reconciles by hand.
| Date | Entry | Debit | Credit | Balance |
|---|---|---|---|---|
| 01 Jul | Opening balance | 7,240.50 | ||
| 01 Jul | Wallet top-up | 3,000.00 | 10,240.50 | |
| 01 Jul | Recharge — MTN 5GB | 212.00 | 10,028.50 | |
| 02 Jul | Recharge — Airtel 500 | 96.25 | 9,932.25 | |
| 02 Jul | Refund — TXN-88390 | 96.25 | 10,028.50 | |
| 03 Jul | Recharge — Zain 10 | 58.10 | 9,970.40 | |
| Closing balance | 366.35 | 3,096.25 | 9,970.40 | |
The unglamorous parts, done properly.
Roles & sub-users
Finance, support and operator logins with per-permission control under one account.
Bulk onboarding
Retailers imported by CSV with dry-run validation before anything is created.
Smart operator detection
Country and network resolved from the beneficiary number before the order is placed.
Sales-rep territories
Field agents mapped to retailer portfolios, with performance grouped per rep.
Timezone-aware reporting
Day buckets and statements follow your business timezone, not the server clock.
Audit trail
Append-only postings and request logs — every state a transaction passed through, kept.
Put your distribution on PayConnekt rails.
Tell us what you distribute and where — we will map it to the platform.