Digital bill payment
Utility, school and service bills sent digitally and payable from the customer's banking app, by QR or over the counter at partner banks.
Fintech · Payments platform
ZekiPay
A payments platform that lets businesses accept, collect and manage payments in one place. Digital bills, dynamic and static QR codes, request-to-pay and an API, with reconciliation built in so finance teams stop matching payments by hand.
Type
Our own product
Sector
Fintech
For
Recurring collections
Channels
Banking apps, QR, bank counters
Status
Live
The problem
What it replaced.
Schools, housing societies, internet providers, clinics and retailers collect the same kinds of payments every month, and most of them still reconcile by hand: a payment arrives, and somebody works out which bill it belongs to.
What we built
The pieces, and why each one exists.
Dynamic and static QR
A unique QR per transaction that reconciles itself, and a reusable QR for counters and storefronts.
Request to pay
A payment request sent straight to the customer's phone.
API and processing portal
An API for websites and apps, and a portal for transactions, settlements and reports.
The hard part
Where the time actually went.
Reconciliation is the product. Taking a payment is easy; knowing, automatically and correctly, which invoice it settles across several channels is what saves a finance team its week. Unique-per-transaction QR codes exist for exactly that reason.
What we took from it
Carried into later work
- Design the reconciliation first and the payment flow second.
- Every channel needs the same reference, or matching breaks.
The stack
What it runs on.
Collection
Digital billsDynamic QRStatic QRRequest to pay
Channels
Online bankingQR scanPartner bank counters
Integration
Payments APIProcessing portalSettlement reports
Worth knowing
Built and run by Zeki.
ZekiPay is our own product, live at zekipay.com. It is the fintech engineering we bring to client work: payments, reconciliation and the boring correctness that money needs.
See it live: zekipay.com.
Building something like this? See how we work as an AI implementation partner.
Next step
Bring us the problem, not the spec.
Thirty minutes. If your problem rhymes with this one we will say what we would do differently the second time.