One wallet engine, three product lines.
TekeTeke for commuter transport, FlashPay for retail, and Capital Assets for rent - all powered by the same Sky Yalla wallet and payout engine.
TekeTeke - wallets for matatus, buses, taxis and bodas
Our first product going live. Built around SACCOs, stages and the reality of targets, daily fees and crew rotations.
With TekeTeke, each vehicle gets its own wallet. Fares come in, SACCO fees, savings and loan deductions are applied, and what remains is the closing balance. Everyone - owner, crew and SACCO - can see the same numbers.
- Wallet per vehicle and per SACCO
- Daily fee, savings and loan deduction rules
- USSD and Paybill flows for passengers
- Dashboards for SACCO staff, management and owners
Register your SACCO on TekeTeke
Ideal for matatu and bus SACCOs that want clean daily fees, savings and loan deductions per vehicle - with proper reports.
- Wallets per vehicle and per route
- SACCO staff and management dashboards
- Exportable reports for regulators and audits
Onboard your matatu, taxi or boda
For individual owners who want to see daily income, SACCO fees, savings and loans clearly per vehicle.
- Wallet per vehicle with daily closing balance
- Cash and M-Pesa records under one view
- Owner dashboard for daily, weekly and monthly views
Integrate with TekeTeke
For banks, POS providers and other partners who want to plug into TekeTeke wallets and data.
- API access to wallet and transaction feeds (roadmap)
- Risk and performance reports for financing
- Co-branded products for SACCOs and fleets
FlashPay - USSD checkout for shops and supermarkets
Short USSD codes and STK push at the till. Designed to reduce queues and manual errors, and to give owners clean branch-level reporting.
With FlashPay, a customer dials a short USSD code linked to a branch or till, approves the M-Pesa STK push, and the cashier is done. It can sit on top of a full POS system or work with a basic phone at the counter.
- USSD codes mapped to branches, tills and cashiers
- Automatic STK push on top of M-Pesa
- Success or failure feedback to your system (where integrated)
- Branch and cashier-level analytics for owners
FlashPay for multi-branch retailers
Ideal for supermarkets and chains that want faster payments and cleaner reporting across branches.
- Unique USSD structure per branch
- Cashier-level tracking for every till
- Central dashboard for owners and HQ
FlashPay for single-location businesses
For hardware shops, salons, pharmacies, restaurants, kiosks and other SMEs using tills or simple phones.
- Simple USSD code for your business
- Instant STK push to your till
- Daily sales summaries
Integrate FlashPay into your POS
For POS companies that want to add USSD and STK payments without building directly on mobile money APIs.
- Callbacks and APIs for payment confirmation
- Shared revenue models with POS providers
- Joint go-to-market with retailers
Capital Assets - rent collections with clear trails
Wallets per unit, per building and per landlord. Every rent payment is tied to the right house and month, automatically.
Capital Assets gives landlords and property managers a clear view of who has paid, who is late, and how each building is performing. Tenants pay via USSD or Paybill, and payments are mapped to the correct unit and period.
- Wallets per building, per unit and per landlord account
- Arrears tracking and payment history per tenant
- Exports for accountants and owners
Onboard your rental units
Best for landlords with a few units or blocks who want simple, honest rent tracking without manual books.
- Wallet per unit and per building
- Clear tenant payment history
- Statements you can share
Capital Assets for agencies
For agencies handling many landlords, estates and buildings.
- Wallets per landlord and per property
- Arrears and performance views per building
- Exports for accountants and owners
Integrate with Capital Assets
For banks, microfinance and other partners who want rental data for financing and risk decisions.
- Wallet and rent history per unit
- Performance and risk reports (roadmap)
- White-label options for partners