One account number. Every payment, reconciled.
Give your customers a permanent, bank-grade account number they can use from any bank or mobile wallet — and let TransFlow do the reconciliation automatically.
The Problem
Collecting payments shouldn't be complicated.
Today, merchants collecting payments across internet banking, mobile wallets, and USSD channels face a painful reality: payments arrive without context. Who paid? For what? Which customer? Manual matching is slow, error-prone, and doesn’t scale.
TransFlow Account Service changes that entirely.
How It Works
Four steps. Zero friction.
From account creation to automatic reconciliation — TransFlow handles the full payment loop.
Developer-Ready
Three API calls. Full integration.
TransFlow Account Service is built API-first. Integration is fast and the schema is clean.
// Create a new account
POST /createAccount
// Response
{
"status": "success",
"accountNumber": "0010000001234"
}
// Disable an account
POST /disableAccount
{ "accountNumber": "0000001234" }
// Webhook on payment received
{
"event": "payment.received",
"account": "0010000001234",
"amount": 500.00,
"payer": "confirmed"
}
Core Capabilities
Everything You Need. Nothing You Don't.
TransFlow Invoice is purpose-built for the realities of doing business in Africa — multiple payment channels, multiple institutions, and zero tolerance for revenue leakage.
Flexible Invoice Creation
Generate invoices via management portals, API integration, or automated billing processes. Each invoice carries structured data: amount, customer ID, billing entity, description, and optional expiry rules.
Multi-Channel Payment Support
Every invoice is linked to a payment reference recognized across Mobile Money, bank transfers, card payments, digital wallets, agent networks, and USSD channels — whichever your customer prefers.
Real-Time Payment Status
Invoices maintain live status: Pending, Partially Paid, Paid, Expired, or Cancelled. Payment events update status instantly, giving finance teams an accurate picture of outstanding receivables at all times.
Automated Reconciliation
Once payment is confirmed, the transaction links directly to the invoice, status updates automatically, and settlement records are generated — eliminating the manual reconciliation cycle entirely.
API-Driven Automation
Full REST API coverage to create invoices, query status, retrieve payment history, link to customer accounts, and integrate with ERPs, school management systems, government billing platforms, and more.
Enterprise-Grade Security
Unique invoice identifiers, secure API authentication, transaction traceability, anti-duplication safeguards, full audit trails, and integration with TransFlow's fraud monitoring services.
Who It's For
Built for Every Sector That Collects Revenue
TransFlow Invoice supports a wide variety of organisations across Africa’s digital economy — from SMEs to government agencies, educational institutions to financial service providers.
Commercial
Businesses & SME Merchants
Issue digital invoices for goods and services that customers can pay instantly via Mobile Money, card, or bank transfer — without visiting a bank or processing centre.
- Eliminate paper invoicing and manual payment tracking
- Accept payment from any customer, on any channel
- Reduce days sales outstanding (DSO) through instant payment capability
- Full audit trail for every transaction
Education
Universities & Tertiary Institutions
Generate structured invoices for tuition, accommodation, and registration fees. Directly integrated with OSIS (Online Student Information System) for seamless student billing workflows.
- Automated fee generation per student per semester
- Partial payment tracking for instalment plans
- Real-time confirmation reduces finance office workload
- Integration-ready with existing SIMS and ERPs
Public Sector
Government Agencies
Enable structured, auditable digital collections for permits, licences, statutory payments, and regulatory fees — payable through the channels citizens already use.
- Traceable revenue collection with full audit trail
- Reduces reliance on cash and physical payments
- Configurable expiry and penalty rules
- Supports large-scale citizen-facing deployments
Financial Services
Banks, Lenders & Billers
Issue structured digital invoices for loan repayments, insurance premiums, service fees, and subscription billing — fully reconciled without manual intervention.
- Automated loan repayment invoice generation
- Real-time arrears and partial payment monitoring
- Connects directly to TransFlow's payment rails
- Audit-ready records for regulatory compliance
Use Cases
Built for every payment context.
TransFlow Account Numbers work across every product in your ecosystem — and for every customer type.
Assign a unique account number to every Chango campaign. Contributors don't need to be registered — they just pay into the account from their own bank. TransFlow identifies the campaign instantly and credits it automatically.
Merchants using the Uniwallet prepaid disbursement service can fund their accounts by simply transferring to their TransFlow account number from any bank. Balances update in real time — no manual reconciliation needed.
TransPay clients can top up their treasury wallets instantly using their TransFlow account number. Whether via internet banking or mobile, the payment lands in the right account every time — with full audit trail.
Schools and universities can assign unique account numbers to each student and fee type — tuition, hostel, registration. Students pay from any bank and the institution's system is updated automatically, no manual matching required.
Capabilities
Everything you need, built in.
TransFlow Account Service is designed to handle scale, security, and flexibility from day one.
Account numbers are randomly generated and non-sequential, eliminating enumeration risk. No attacker can guess or brute-force valid account numbers.
Each product or integration gets its own branch code prefix. Chango, TransPay, and partners are always identifiable from the account number alone.
When a customer enters an account number, TransFlow validates it in real time and returns the merchant name as part of the transaction summary — giving payers full confidence.
Every inbound payment triggers an immediate webhook to your platform. No polling. No delays. Your system knows the moment money lands.
Create, disable, or delete accounts via API. Expired campaigns can be disabled instantly. Deactivated merchants can be fully removed. You stay in control.
Works with any bank, mobile wallet, or payment gateway that recognises TransFlow as a destination bank — including USSD-based mobile banking for customers without smartphones.
Bring Your Own Account Numbers
Security & Compliance
Enterprise-Grade Controls. Built In From Day One.
Every invoice generated, validated, and settled through TransFlow Invoice is protected by a layered set of security and integrity controls.
Every invoice carries a unique, system-generated reference that cannot be duplicated, spoofed, or manipulated across any payment channel.
All API integrations are secured with industry-standard authentication protocols, ensuring only authorised systems can create or query invoices.
Every payment event, status change, and settlement is logged with a full trace — providing a complete, time-stamped audit trail for every invoice.
Platform-level controls prevent the same invoice from being paid twice, protecting both the organisation and the customer from double-billing errors.
Complete, tamper-evident records of every invoice lifecycle event — essential for financial audits, regulatory reviews, and internal governance.
Connected to TransFlow's fraud monitoring services, every invoice payment is screened for suspicious activity before processing completes.
Developer-Ready
Three API calls. Full integration.
TransFlow Account Service is built API-first. Integration is fast and the schema is clean.
// Create a new account
POST /createAccount
// Response
{
"status": "success",
"accountNumber": "0010000001234"
}
// Disable an account
POST /disableAccount
{ "accountNumber": "0000001234" }
// Webhook on payment received
{
"event": "payment.received",
"account": "0010000001234",
"amount": 500.00,
"payer": "confirmed"
}
-
API key determines your branch code No need to specify the application — your API key maps automatically to your branch code, ensuring every account number is attributed correctly from creation.
-
Collision-safe number generation The generation algorithm guarantees uniqueness per branch. You can issue up to 10 billion accounts per application — with zero chance of collision.
-
Full database auditability Every account carries a creation date and status flag (ACTIVE, DISABLED, DELETED) — giving you a clean, queryable ledger for compliance and reconciliation.
-
Works with GIP and all major gateways TransFlow is interoperable with Ghana Interbank Payment and all major gateway partners, including expressPay — covering the full spectrum of payment channels your customers use.
Stop chasing payments.
Start receiving them.
TransFlow Account Service is available to all IT Consortium merchant partners. Integration takes hours, not weeks.