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Streamline payments from one platform.

Run MPESA collections and disbursements, send bulk SMS, serve members on USSD and import member data effortlessly without interrupting operations.

Explore FOBO Control New FOBO Core Banking →
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Built for institutions that move money for their members

  • SACCOs
  • Microfinance institutions
  • Digital lenders
  • Schools & colleges
  • Chamas
  • Investment groups
  • Churches
  • NGOs
  • Campaign teams
  • Cooperatives
  • Welfare groups
  • Enterprises

Everything runs on one money layer.

Start with the console every plan includes, then add the core banking engine and your own integrations when you need them.

The core
  • MPESA C2B, B2C and B2B in one integration
  • Collections reconciled the moment they land
  • Bulk SMS and USSD for every member
  • Approvals, audit log and API keys built in

FOBO Control

Live in production, ready in days.

Collect, disburse and talk to your members from one console. Every plan starts here.

Explore FOBO Control →
For SACCOs · Beta

FOBO Core Banking

A double-entry ledger for savings, shares and loans, with guarantors, dividends and SASRA provisioning that never drift.

  • Loans with multiple guarantors and exposure limits
  • Nightly SASRA classification and provisioning
  • Parallel-run migration off your legacy core
Join the beta →
Included

API & webhooks

Plug FOBO into your core, ERP or mobile app. Every collection, payout and SMS is pushed to you the moment it clears.

  • One REST request per action
  • Signed webhooks for every event
  • Scoped keys and IP whitelisting
Priced with your plan →
Book a call

30 minutes with our team. No pitch deck and no obligation.

From sign-up to live in three steps

  1. 5 minutes

    Tell us about your institution

    One short form and your KYC documents. Our team calls you within the hour, or book a call straight away.

  2. The setup

    We register, connect and import

    We register your Paybill and shortcodes with Safaricom, set your sender ID and import your members. You test with real numbers before launch.

  3. Live

    You go live, and we run it

    From launch day we monitor it, support your team and keep improving it. Add Core Banking or more SMS networks whenever you are ready.

Why teams switch

End-of-day reconciliation, ended.

Without FOBO

  • ×Downloading MPESA statements and matching them in Excel
  • ×Payouts keyed in one by one on the portal
  • ×Members calling to ask whether their payment arrived
  • ×Loan books, deposits and accounts in separate systems
  • ×Audit season means weeks of digging

With FOBO

  • ✓Every collection matched to the right account as it lands
  • ✓Batch payouts with maker-checker approval
  • ✓An SMS receipt goes out automatically, every time
  • ✓One double-entry ledger for loans, savings and shares
  • ✓Audit trail and SASRA reports on demand

FAQ

Questions, answered.

Can't find what you need? Talk to our team.

What does FOBO Technologies do? +

FOBO Technologies builds payments, messaging and core banking infrastructure for Kenyan institutions. FOBO Control handles MPESA collections (C2B), payouts (B2C and B2B), bulk SMS and USSD. FOBO Core Banking is a double-entry core banking system for SACCOs and cooperatives.

Which product is right for my organisation? +

If you need to collect money, pay people or message members, start with FOBO Control; it works alongside any existing system. If you are a SACCO or cooperative replacing a legacy core, FOBO Core Banking manages members, savings, loans, guarantors and SASRA provisioning on one ledger.

Do I need to replace my current system? +

No. FOBO Control runs standalone out of the box, or connects to your existing system through REST APIs and real-time webhooks. FOBO Core Banking migrates you with a parallel run, so live operations are never interrupted.

How are MPESA payments reconciled? +

Every Paybill or STK Push payment is matched to the right member account the moment it clears, an SMS receipt is sent automatically, and a webhook notifies your system. There is no end-of-day statement matching.

Can members without smartphones use it? +

Yes. The USSD portal lets members check balances, view statements, apply for and repay loans, and withdraw to MPESA from any phone, without internet access.

How secure is the platform? +

Payouts can require maker-checker approval, API access is restricted by IP whitelisting and scoped API keys, roles are enforced on the server, and every action is written to a permanent audit log.

How long does onboarding take? +

Most organisations go live within days. We handle Paybill and shortcode registration with Safaricom, sender ID setup and the import of your member data.

Collect, disburse and communicate. Starting this week.

Book a 30-minute walkthrough. We'll map your collections, payouts and member messaging onto FOBO, live.

Trusted by 5+ organisations in Kenya · Onboarding support included

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