Payments Infrastructure for Africa
DSI Group builds, integrates and operates the technology behind digital banking and payments across African markets, from customer channels and payment acceptance to switching, processing and cloud infrastructure.
The region’s leading institutions.
One technology partner. The full digital stack.
Payments
Accept, process and move money securely and efficiently.
- Card acquiring & issuing
- POS & QR payments
- eCommerce & payment links
- P2P, P2M & B2P solutions
- ACI Postilion processing
- PCI DSS v4.0.1 compliant
Digital banking
Engage and serve your customers across every channel.
- Mobile banking
- USSD
- Internet & WhatsApp banking
- Agency & wallets
- Core banking
Managed infrastructure
We build, host and operate the infrastructure you can rely on.
- Switching & processing
- Cloud & data centres
- Security & compliance
- 24/7 monitoring & support
- Integration & APIs
Payments
The acceptance estate and processing services around ACI Postilion, from the terminal in a rural store to the switch behind the sector.
iPOS & Terminal-as-a-Service
Integrated and standalone POS, terminal switching, estate management and merchant support.
Explore iPOS & TAAS →
Ingenico AXIUM estate
Next-gen Android AXIUM terminals with cloud lifecycle management and remote monitoring at national scale.
Explore the Ingenico estate →Terminal management & keys
Automated terminal deployment and in-house DUKPT key management across the estate.
Explore terminal management →
QR, A2A & eCommerce
QR and account-to-account acceptance, mobile money, and card-not-present eCommerce via ACI PayOn, with SoftPOS tap-on-phone on the roadmap.
Explore QR & eCommerce →ACI Postilion
The switching, issuing and acquiring platform behind it all: hosted, extended and operated by the group as an authorised ACI reseller.
Explore Postilion →
PayGo: Virtual POS
The DSI-owned QR and code acceptance brand: any merchant, any channel, any switch. A virtual POS in every pocket.
Explore PayGo →Digital banking
V-Suite delivers the sector’s digital front door: bank-branded channels that originate transactions, deployed as a managed service, on-premise or hybrid.
Native mobile apps (Android & iOS), USSD banking and self-service, and WhatsApp banking journeys, all bank-branded.
Explore mobile →
Retail and business internet banking portals and web-based service journeys.
Explore internet banking →
Cash-in / cash-out and account services delivered through agents via USSD, app and web.
Explore agency banking →
Onboarding & KYC, merchant onboarding & QR, bill payments, airtime, bulk payments and API-orchestrated VAS.
Explore onboarding & VAS →
core bankingA ledger-grade financial system of record for every wallet: real-time posting, derived balances and maker-checker control throughout.
Explore Core Banking →V-Gateway: the open orchestration layer
V-Suite native, and open by design. V-Gateway integrates with any API-based third-party system: cores, switches, wallets, MNOs, ERPs, billers and risk services. One integration, reused across every product and segment.
Managed infrastructure
The cloud it all runs on: operated end-to-end by our own engineers, 24/7.
Cloud & hosting
Sovereign domestic private cloud on OpenStack with Canonical, plus public and hybrid options where required: operated by our own engineers.
Explore cloud & hosting →Cloud R3
Resilient, redundant, regulated: the reference architecture for regulated payment workloads that must stay in-country.
The Cloud R3 brochure →Cloud HA & DR
High availability and tested disaster recovery: monitoring, incident response and business continuity, 24 hours a day.
The HA & DR brochure →Managed Services: FinTech as a Service
We operate the platforms end-to-end, 24/7: monitoring, support, BCP / DR and capacity planning. Institutions accelerate time-to-market on a pay-per-use basis.
Bank-in-a-Box
The full suite of group products and global partners combined: a lightweight, agile, cost-effective end-to-end banking solution, from the ground up.
ACI PayOn Gateway
Fully licensed white-label eCommerce & mCommerce gateway: 300+ payment methods and acquirers, 160+ countries, with integration services into our licensed cloud instance, anywhere in Africa. The PayOn brochure →
One platform. Every channel. Every payment.
A modular, API-first financial services stack: connected, switched, secured and operated end to end.
Local schemesMobile networksPartner banksSecured.
Operated.
More than a licence. A growth partnership.
DSI Group is an authorised ACI reseller and the largest Postilion delivery capability in its markets: extending world-leading payments software into places, segments and models it could not reach alone.
On-the-ground sales, delivery and 24/7 operations across sub-Saharan Africa: ACI software, DSI Group presence.
Carrying Postilion into new and underserved economies across the region, where no equivalent full-stack operator exists.
Specialist Postilion engineers, integration teams and consulting capability: the region’s deepest bench.
Postilion-as-a-Service and white-label delivery: managed services that turn licences into living infrastructure.
The same rails serving tier-1 banks, MFIs, wallets, retailers and agents: segments beyond the traditional licence model.
One local partner across software, hosting, compliance and operations: a unified approach from licence to last mile.
A virtual POS in every pocket.
PayGo is the DSI-owned QR and code acceptance brand. Any merchant receives payment through a scanned QR code or a short merchant code, approved by the customer in their own bank’s mobile channel: an open framework any institution can adopt, on any national switch or scheme.
- PayGoID: static & dynamic. Static codes identify a merchant; dynamic codes carry amount, currency and narration for one-tap approval at high-volume tills, eCommerce and bill presentment.
- EMVCo standard. Built on the EMVCo QRCPS (Merchant Presented) specification, enhanced for domestic market realities.
- Every channel. Customers pay from their existing bank app, USSD shortcode, WhatsApp or web checkout, no new app required.
- Every merchant. Till-integrated supermarket lanes to a printed code at a market stall, plus plugins for Shopify, WooCommerce, Magento and Wix, and open APIs.
Global payments. Delivered for African markets.
DSI Group delivers ACI PayOn as a fully managed eCommerce and mCommerce gateway from our cloud environment. We handle integration, localisation and ongoing platform operations, giving businesses anywhere across Africa access to the payment methods their customers expect, through one trusted partner.
A ledger-grade system of record for every wallet.
Balances are derived from an append-only double-entry journal rather than held as a second version of the truth, so the full position can be reconstructed by replay at any time. Authorisation and posting run as one real-time pipeline, inside the switch’s timeout budget.
Ledger-first integrity
Every movement is a balanced, immutable double-entry journal entry, with per-entry hash chaining and a sealed daily close.
Real-time by default
One synchronous authorisation and posting pipeline, aligned to the ISO 8583 lifecycle. Fees, commissions and settlement legs post atomically with the customer movement.
Compliance by design
Float safeguarding, tamper-evident audit trails, maker-checker controls and read-only supervisory access, built in as product features.
Built for the whole market, not just tier 1 banks.
The same stack serves every segment, driving financial inclusion across the region.
One integration, one managed service: reused across every segment.
Enterprise grade. Africa fit.
Since 2008 we have delivered thousands of custom integrations across sub-Saharan Africa, and every one taught us the same thing: customers don’t need what works in the West or the East. They need what works here.
Underneath, the platforms are uncompromising: PCI DSS compliant, regulator-supervised, built on world-leading software from partners like ACI and Ingenico.
Nothing on top is off the shelf. Channels, journeys, rails and products are cut to fit each market’s realities, from the USSD menu on a feature phone to the agent in a rural store.
Compliance gets you to market; fit gets you preferred. That last mile is not decoration on top of the technology: it is the point of the technology.
A group built to deliver.
Operating companies and platforms that share one DNA: deep payments engineering for emerging markets.
Part of the DSI Group ecosystem
Digital Banking & Payments. Our sub-Saharan operating business: managed services, switching, issuing and acquiring for 30+ institutional customers across Zimbabwe and Zambia.
National case study →
The flagship platform
Forged through 18 years of building, implementing and managing financial technology for emerging markets: channels, enablement and orchestration in one white-label suite.
O’Mari case study →ACI-powered switching
The switching, issuing and acquiring glue: three production instances and Postilion-as-a-Service, hosted on the domestic cloud as an authorised ACI reseller.
Explore Postilion →Not promises. Production.
Case study · Wallet-led inclusion
O’Mari: Old Mutual’s mobile walletA complete wallet-as-a-service: self-service onboarding and KYC, wallet-to-wallet and bank-to-wallet transfers, agent cash-in / cash-out, airtime and bill payments, cross-border remittance redemption, and card issuing, switched on ACI Postilion and operated 24/7. Bank-grade accounts reachable by USSD, app and agents, well beyond the branch network.
Case study · Retail & wholesale rails
Zimbabwe’s retail acceptance estateiPOS and Terminal-as-a-Service acceptance, closed-loop and store wallets, QR and eCommerce, value-added services and merchant settlement: turning every merchant and agent into a payment and cash-in / cash-out point, and opening new rails for underserved communities. Now live in Zambia and expanding regionally.
Anatomy of a light bank.
O’Mari, Old Mutual’s mobile wallet, is a complete retail bank delivered without branches: 2M+ customers, 100% built, run and operated on the group’s own platform, from the USSD menu to the core banking system behind it.
Money movement
Every rail, one wallet
Wallet-to-wallet, cross-network ZIPIT, send-to-bank and send-to-any-mobile vouchers; bank-to-wallet funding and withdrawal; agent cash-in / cash-out; international remittance redemption.
Visa issuing
Cards from the wallet
Virtual and physical Visa cards with full lifecycle management (request, activate, block, PIN self-service), issued individually or in bulk from the platform’s own card operations.
Everyday payments
Life runs through it
Airtime and data, prepaid electricity, DSTV and telco bills, a full biller directory, and QR / PayGo merchant payments across retailers nationwide.
Financial inclusion products
Save, borrow, insure, invest
O’Mari Save, junior wallets, standard and civil-servant loans, Health4U medical cover, motor / life / funeral insurance, pension fund and unit-trust investments: mass-market products at wallet cost.
Agency & corporate
Beyond retail
Agent onboarding and KYC, a national cash network, and corporate internet banking with bulk payments, maker-checker approvals and full company administration.
The core behind it
Our core banking system
Customer 360, KYC operations, card and agent and merchant management, transaction routing, bulk financial operations, maker-checker controls and real-time monitoring: the group’s own core banking platform underneath the wallet.
Powering a nation’s banking sector since 2008.
ZSS, part of the DSI Group ecosystem, has built and operated Zimbabwe’s payments and digital technology services infrastructure at national level, from digital channel provision to VAS to the full light bank: sovereign, in-country, end-to-end.
Sovereign by design
The domestic private cloud
The banking sector’s digital services run on the ZSS domestic private cloud: Canonical / OpenStack architecture, built and operated in-country. Data sovereignty protected, PCI zones segregated, with hybrid Azure / AWS options where regulation allows.
Canonical partnerIn-country hostingPCI-zone separationSwitching & processing
Postilion managed services on ACI software
A wide portfolio of Postilion switching, acquiring and issuing services on world-leading ACI software: hosted on the domestic cloud, extended by specialist engineers, and operated 24/7 as a managed service for the sector.
Acquiring & issuingAuthorised ACI resellerSpecialist engineeringNational acceptance estate
~85% of retail POS
Terminal-as-a-Service and integrated POS drive approximately 85% of Zimbabwe’s retail point-of-sale: Ingenico AXIUM devices, remotely managed at estate scale, switching through the domestic-cloud Postilion rails.
Ingenico estate10,000+ terminals15+ acquiring banksChannels to light bank
The sector’s digital front door
Digital channel provision for the banking sector (mobile, USSD, WhatsApp and internet banking), through VAS aggregation and agency banking, all the way to complete wallet-led light banks. One stack, reused across virtually every institution in the country.
V-SuiteVAS aggregationWallet-as-a-Service“I am because we are.”
Financial inclusion is ubuntu in practice. Every wallet opened, every agent enabled, every merchant connected strengthens the whole: a bank’s customer in the city and a trader at a rural market, on the same rails. We build technology in that spirit: infrastructure no one prospers from alone.
UK · Mauritius · South Africa · Zimbabwe
Trusted by the region’s leading institutions.
Merchants live on iPOS & Terminal-as-a-Service
Retail, QSR, wholesale and services brands accepting on group-managed terminals: see iPOS & Terminal-as-a-Service.
Integrated with the services people already use
Billers, utilities, telcos, insurers, municipalities and remittance partners reachable through the group’s channels and orchestration layer.
World-class technology, delivered locally.
Building a digital institution from the ground up, or scaling one?
Talk to us about the DSI Group DNA: one partner across channels, payments, switching and cloud.
Get in touch