The easiest way to collect, disburse,
& engage with your members and clients.

Run standalone out-of-the-box, or connect your system via REST APIs and webhooks.

  • Automate M-Pesa C2B collections & B2C payouts without custom code.
  • Send high-volume bulk SMS at scale & track USSD menu journeys.
  • Built for SACCOs, schools, and campaign-driven enterprises.
System Architecture

Engineered for high-volume enterprise operations.

Eliminate batch processing delays and complex integrations. FOBO Control powers real-time member transactions, institutional settlements, and automated SMS messaging through lightweight webhooks and APIs.

USSD Portal

Self-Service

“Members can check balances, view statements, and transact using USSD, no smartphone or internet required. Works on every phone, everywhere. Every USSD session is logged; giving you full visibility into member journeys, drop-off points, and engagement patterns.”

FOBO Technologies Ltd
Disbursement

B2C Payouts

“Send money to members instantly or in batches. Whether it's loans, dividends, or refunds, every transaction is fully traceable.”

FOBO Control
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Withdrawal

FOSA to Bank

Members can withdraw funds from their FOSA accounts directly to any bank account; seamless, secure, and settled within minutes.

FOBO Control
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Settlement

B2B Settlements

Move money between institutional accounts seamlessly, whether it's partner payouts, bulk transfers, or internal treasury movements.

FOBO Control
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Communication

Bulk SMS

Keep members informed with branded SMS. Send statements, reminders, promotions, and important updates at scale.

FOBO Control

C2B Collections

Collection

“Members pay via M-Pesa paybill and funds hit their accounts instantly. We handle the reconciliation so you don't have to. No more end-of-day batch headaches.”

FOBO Control

API-FIRST ARCHITECTURE

Integration

“We don't force you to rip and replace your existing systems. Our RESTful APIs and webhooks let you connect everything you already have, we build the bridge.”

FOBO Technologies Ltd