• Your Money. Your Way.

    Your Money. Your Way.

Lower Fees

95%

Cardless

100%

Connected Rails

6+

Financial Access

EckoPay is a financial-access and transaction-orchestration platform designed to connect fragmented banks, mobile-money networks, and ATMs across Africa at up to 95% lower withdrawal fees.

Explore EckoPay
Cardless ATM Cash-Out

Cardless ATM Cash-Out

Status-95% Fees
TYPECash Access
NETWORKAll ATMs

Withdraw cash from eligible bank accounts or mobile wallets at any participating ATM without needing a physical card.

Cross-Rail Transfers

Cross-Rail Transfers

StatusInstant
TYPEInteroperable
NETWORKBank ↔ MoMo

Seamlessly move money between MTN MoMo, Orange Money, and commercial bank accounts in real time with instant confirmation.

EckoPay Wallet

EckoPay Wallet

StatusFree (0%)
TYPEDigital Wallet
NETWORKInstant P2P

Transfer money and make payments for free.

EckoPay Merchant Gateway

EckoPay Merchant Gateway

StatusLow Flat %
TYPEPayment API
NETWORKWeb & In-Store

Accept customer payments via QR codes and unified web checkout with automated T+1 corporate bank settlement.

The Problem EckoPay Solves

FINANCIAL ACCESS & ORCHESTRATION

People across Africa hold money in mobile wallets and bank accounts but face high fees and limited access when withdrawing cash outside their network. Banks exist. Mobile-money networks exist. ATMs exist. The problem is fragmentation. EckoPay connects them to give you simple, affordable cash access.

Beltous Che Che Signature
Beltous Che CheFounder & CEO, Inocron Technologies SA
FINANCIAL INFRASTRUCTURE ORCHESTRATION

Unifying Africa's Fragmented Financial Networks

Core Banking

Commercial Bank Rails

Direct account linking and account-to-account settlement across participating commercial banks without intermediary friction.

PSP & BanksDirect Routing
Real-Time Routing

Mobile Money Operators

Interoperable wallet debit and credit across MTN MoMo, Orange Money, and regional telecom cash networks.

MoMo & TelcosInstant Credit
Up to 95% Cheaper

Cardless ATM Networks

Short-lived, route-bound one-time credentials for cardless cash withdrawal across participating multi-bank ATM switches.

ATM Switches-95% Cost
CEMAC Standard

Regional Rails (GIMACPAY)

Standardized regional switching and clearing across the 6 Central African CEMAC economies for unified financial mobility.

Regional Clearing6 CEMAC Countries
Enterprise Ready

Merchant Gateway & QR

Dynamic in-store QR codes and developer checkout APIs with automated T+1 corporate settlement and digital payment receipts.

In-Store & WebT+1 Settlement
PARTNER INTEGRATION

Partner With EckoPay

Are you a participating bank, mobile money operator, ATM acquirer, or merchant platform? Integrate with EckoPay's orchestration APIs.

Coming Soon: Cameroon
🛡️ Layered Authentication & Idempotency⚡ Up to 95% Lower Withdrawal Fees📱 Cardless One-Time ATM Codes

Connecting Africa's Fragmented Financial Rails

TRANSACTION ORCHESTRATION

EckoPay connects participating financial networks and gives users a simpler, cheaper experience for accessing and moving their money at up to 95% lower fees.

Explore All Features →

UP TO 95% CHEAPER

Slash exorbitant inter-bank and out-of-network withdrawal fees.

CARDLESS ATM ACCESS

Cash out at any participating ATM without needing a plastic debit card.

FAIL-SAFE REVERSALS

Instant automated refund if cash isn't dispensed or voucher expires.

CROSS-RAIL TRANSFERS

Direct transfer between MTN MoMo, Orange Money, and bank accounts.

LAYERED SECURITY

Encrypted single-use tokens, geofenced fulfillment, and biometric 2FA.

CAMEROON & CEMAC

Engineered for rapid deployment across CEMAC financial ecosystems.

What EckoPay Delivers

CORE PLATFORM CAPABILITIES

Cardless Cash-Out

Access physical cash at participating ATMs using secure, dynamic voucher codes.

Up to 95% Fee Savings

Avoid punitive out-of-network charges and exorbitant ATM surcharge fees.

ATM Network Locator

Interactive map showing nearest available ATMs with active cash liquidity.

Route-Bound Security

Encrypted time-limited vouchers tied to specific withdrawal routes.

EckoPay Merchant Analytics Dashboard
EckoPay Settlement Overview

Unified Merchant & Partner Dashboard

ENTERPRISE GATEWAY

Monitor real-time transaction flows, manage POS QR terminals, disburse automated payroll, and reconcile multi-network payments from a single unified portal.

Explore Gateway

Your Money. Everywhere You Need It.

MOBILE FIRST

Access cash from any ATM, transfer between mobile-money operators, and make instant QR payments. Coming soon for iOS & Android in Cameroon.

Learn More
EckoPay Multi-Rail App Interface
EckoPay Mobile App

How EckoPay Works

3-STEP CASH ACCESS

1

Choose Funding Source

Select your eligible bank account or mobile-money wallet and enter the withdrawal amount in the EckoPay app.

2

Receive Secure Voucher

EckoPay generates an encrypted, time-limited single-use voucher code with route-bound verification.

3

Collect Cash Cardlessly

Enter your code at any participating ATM or cash point to instantly collect physical banknotes at up to 95% lower fees.