E-Topup & Bill Payments
Bring everyday digital payments into one experience.
Offer airtime recharge, data bundles, bill payments and digital services through integrated provider infrastructure and APIs.
transactions
1.4M
categories
11
success rate
98.6%
avg fulfilment
3.2s
| Reference | Service | Provider | Amount | Status |
|---|---|---|---|---|
| txn_44a1 | Airtime | Operator A | 10.00 | completed |
| txn_44a6 | Data Bundle | Operator C | 9.99 | completed |
| txn_44b2 | Electricity | Utility North | 64.10 | pending |
| txn_44b9 | TV Subscription | Media One | 22.00 | completed |
| txn_44c4 | Gift Card | Retail Voucher | 50.00 | processing |
- Referencetxn_44a1ServiceAirtimeProviderOperator AAmount10.00Statuscompleted
- Referencetxn_44a6ServiceData BundleProviderOperator CAmount9.99Statuscompleted
- Referencetxn_44b2ServiceElectricityProviderUtility NorthAmount64.10Statuspending
- Referencetxn_44b9ServiceTV SubscriptionProviderMedia OneAmount22.00Statuscompleted
- Referencetxn_44c4ServiceGift CardProviderRetail VoucherAmount50.00Statusprocessing
The Opportunity
One integration can unlock an entire digital services marketplace.
Each category is usually its own provider integration, its own settlement model and its own reconciliation. jStack consolidates them behind one contract.
- Airtime
- Data Bundles
- Electricity
- Water
- Gas
- Internet
- TV
- Education
- Government Services
- Gift Cards
- Digital Products
Solution Architecture
Catalog, pricing, payment and fulfilment in one layer.
Channel
- Wallet
- App
- Agent
- jStack Digital Services
Platform
- Catalog
- Pricing
- Payment
- Commission
Services
- Airtime
- Data
- Billers
- Digital Products
Connected
- Service Providers
Core Capabilities
Everything needed to run a digital services business.
- Airtime Recharge
- Data Bundles
- Bill Inquiry
- Bill Payment
- Biller Directory
- Digital Products
- Gift Cards
- Transaction Status
- Commission Management
- Provider Routing
- Reconciliation
- Reporting
Customer Flow
Seven steps from selection to confirmation.
- 01Select Service
- 02Choose Provider
- 03Enter Reference
- 04Validate / Fetch
- 05Confirm Payment
- 06Fulfilment
- 07Confirmation
Relevant jStack Products
The jStack products behind this solution.
Combine Airtime, Bill Payments and a funding source such as Wallet.
- AirtimeMobile recharge across operators.
- Data BundlesBundle discovery and activation.
- Bill PaymentsInquiry, payment and status.
- Digital ProductsCatalog of digital goods.
- Gift CardsVouchers and digital delivery.
- Value Added ServicesAggregated service marketplace.
- WalletFunding and balance management.
- Mobile MoneyMobile money rails where supported.
Business Benefits
Outcomes for service-led products.
One Integration
Reach many categories and providers through a single contract.
Higher Engagement
Everyday transactions bring customers back to your product.
Configurable Commission
Set pricing and margins per service and channel.
Provider Routing
Route to supported providers with controlled fallback.
Clear Reconciliation
Match fulfilment, payment and settlement records.
Operational Reporting
Track volume, success and failure across categories.
Who It's For
For anyone distributing everyday digital services.
- Banks
- Fintechs
- Telecom Operators
- Mobile Money Providers
- Super Apps
- Agent Networks
- Retailers
- Loyalty Platforms
Turn everyday services into a digital transaction ecosystem.
Talk to our team about the categories, providers and markets you want to cover.