White-label our entire infrastructure — wallet engine, payment orchestration, compliance stack, and regulator tools. Go live in weeks. Not years.
Deploy a fully functional consumer and merchant wallet product under your brand. We provide: account management, dual-mode identity (personal/merchant), KYC/KYB workflows, double-entry ledger, multi-currency balances, transaction history, and settlement dashboard. Your logo. Your colors. Your domain. Our rails.
Multi-rail payment routing that connects to every major payment method in your markets. QR, NFC, card, mobile money, bank transfer, payment links, and invoicing. Rule-based routing engine with fee schedule configuration. Automatic failover when primary rail is unavailable. You control the routing rules, fee structure, and settlement windows.
KYC/AML automation built in from day one. Document intake, identity verification, KYB for businesses, transaction monitoring, SAR filing, immutable audit logs, and regulator access portals. Configured per country. Aligned to BoG, CBN, SARB, BOU, and international PSD2 / FATF standards. You meet your licence requirements. We provide the tooling.
Not shared infrastructure. Your data stays yours. Isolated database schema per client. Country-partitioned data for residency compliance. AWS KMS customer-managed keys — you hold the master key. Separate environment for dev, staging, and production. SLA commitment backed by contractual uptime guarantee.
Connect AuraTap to your existing banking core, card processor, or mobile money provider via our adapter pattern. Standardized integration interface means new providers added without system rebuild. Webhook support for real-time event delivery. REST API with OpenAPI 3.0 specification. SDKs available for Node.js, Python, Go.
Every enterprise deployment includes a configurable regulator access portal. Read-only, jurisdiction-scoped, fully logged. Central bank regulators can monitor your platform without accessing raw infrastructure. Supports: transaction reports, KYC statistics, SAR access, audit logs, tax summaries, compliance dashboard. This is what gets you licensed.
POST https://api.elroipay.com/v1/payments/initiate
Authorization: Bearer {partner_api_key}
Content-Type: application/json
{
"sender_id": "usr_01HXYZ...",
"merchant_id": "mer_01HABC...",
"amount": 250.00,
"currency": "GHS",
"payment_method": "qr_dynamic",
"idempotency_key": "txn_unique_key_001",
"metadata": {
"reference": "INV-2026-001",
"description": "Dinner for two"
}
}{
"transaction_id": "TXN-GH-20260101-000847",
"status": "completed",
"routing": {
"rail": "momo_mtn_gh",
"latency_ms": 342
},
"amounts": {
"gross": 250.00,
"fee": 2.00,
"net_to_merchant": 248.00,
"currency": "GHS"
},
"settlement": {
"status": "pending",
"estimated_date": "2026-01-02"
},
"receipt_hash": "sha256:f3a9b2c1...",
"receipt_url": "https://receipts.elroipay.com/..."
}| Metric | Commitment | Details |
|---|---|---|
| Platform uptime | 99.95% monthly | < 22 min downtime/month |
| Ledger service uptime | 99.99% monthly | Zero transaction loss commitment |
| Payment API p50 latency | < 200ms | End-to-end initiate to receipt |
| Payment API p99 latency | < 1,000ms | Including rail processing |
| Fraud scoring latency | < 80ms | Synchronous, every transaction |
| Settlement T+1 | By 09:00 | Next business day bank payout |
| Settlement T+0 | Same day | Premium tier merchants |
| RTO (recovery time) | < 5 minutes | Auto-failover to replica |
| RPO (recovery point) | < 30 seconds | Multi-AZ replication lag |
Enterprise pricing is custom — based on transaction volume, number of countries, and feature set required.
All pricing is transparent and contractual. No surprise fees. No volume commitments in Year 1.
Tailored solutions for banks, fintechs, and telcos
Launch a digital wallet product without building from scratch. KYC, ledger, acceptance, all included.
White-label AuraTap's rails and compliance infrastructure. Go live in weeks, not years.
Integrate mobile money with a full payment orchestration layer. USSD, app, and NFC SoftPOS.
Schedule a technical call with our team to discuss your requirements