Billing, collections, and wallet infrastructure for modern enterprises
Pull bills from your ERP, issue e-slips, accept payments across Kenya, manage wallet balances, and reconcile every transaction with confidence.
Risiva — receive more, stress less
Available balance
KES 12.4M
Bills due
47
Pending
12
Mobile money, cards, bank transfers & enterprise settlement
ERP-integrated billing and reconciliation
Role-based access and approval workflows
Operational dashboards and audit trails
Core capabilities
Everything you need to manage enterprise collections
Four pillars. One platform. Complete control over your billing, payments, and reconciliation lifecycle.
KES 8,420,000
Available
KES 6,180,000
Reserved
KES 2,240,000
Open wallets
Issue wallets for individuals and businesses. Store, fund, reserve, and deploy balances across payment channels.
Pull bills
Sync invoices and billing lines from ERP systems. Generate consolidated e-slips for efficient payment.
Collect payments
Accept money through M-PESA, cards, bank transfers, and enterprise settlement channels across Kenya.
Matched
94%
Suspense
6%
Reconcile with confidence
Match payments to invoices automatically. Handle suspense, generate statements, and settle cleanly.
Platform architecture
How money flows through Risiva
From ERP integration to reconciled settlement, every step is tracked, auditable, and visible in real time.
Biller connects ERP
Sync customer master and billing data
Invoice data syncs
Billing lines ingested into Risiva
Payer opens wallet
Fund via M-PESA, bank, or card
Select bills & e-slip
Consolidate obligations into one
Payment is made
Wallet or external channel
State confirmed
Callbacks, IPN, and status checks
Ledger updates
Atomic, immutable posting
Reconciliation runs
Auto-match, suspense capture
Outcomes sync back
Settlement reports to biller ERP
Biller connects ERP
Sync customer master and billing data
Invoice data syncs
Billing lines ingested into Risiva
Payer opens wallet
Fund via M-PESA, bank, or card
Select bills & e-slip
Consolidate obligations into one
Payment is made
Wallet or external channel
State confirmed
Callbacks, IPN, and status checks
Ledger updates
Atomic, immutable posting
Reconciliation runs
Auto-match, suspense capture
Outcomes sync back
Settlement reports to biller ERP
Solutions
Built for every side of the transaction
Whether you send invoices or pay them, Risiva gives you the tools, visibility, and control you need.
Automate your entire collections lifecycle
Connect your ERP, validate customers, ingest billing lines, track collections, reconcile settlements, and download audit-ready reports from a single platform.
- ERP billing sync with SAP, Oracle, and custom systems
- Customer master validation and account linking
- Invoice and billing-line ingestion
- Payment links and consolidated e-slips
- Real-time collection tracking with channel breakdown
- Suspense and settlement reconciliation
- Downloadable statements and audit-ready reports
Biller Dashboard
KAAInvoices issued
1,247
Collected today
KES 4.2M
Unmatched
23
British Airways
BA-GH-2026-001
Kenya Airways
KQ-CRG-2026-014
Swissport Kenya
SP-CON-2026-008
Flagship use case
Built for enterprise billers like KAA
See how Kenya Airports Authority can onboard, validate payer accounts from ERP, pull billing lines, generate e-slips, accept payments, and reconcile collections — all on Risiva.
Kenya Airports Authority
Biller dashboard
Revenue heads
12
Active payers
847
MTD collections
KES 142M
British Airways
Payer — Bills due to KAA
Ground handling — March
KAA-GH-2026-0041
Cargo handling — March
KAA-CRG-2026-0018
Fuel uplift — Week 10
KAA-FUL-2026-0092
Deep dive
Platform capabilities in detail
Multi-currency wallets with real-time ledger
Issue wallets for individuals and businesses. Track available, reserved, and pending balances with atomic, immutable ledger entries. Support dormancy rules, state management, and concurrent spend protection.
- Active, restricted, suspended, and closed wallet states
- Atomic double-entry ledger posting
- Concurrent spend protection with balance reservations
- Complete transaction history with audit trail
Wallet Details
ActiveTotal balance
KES 12,420,000.00
Available
KES 9,180,000
Reserved
KES 2,240,000
Pending
KES 1,000,000
Consolidated payment instructions that just work
Select multiple bills, generate a locked e-slip with a single reference, and pay instantly from wallet or external channels. Amount immutability, validity periods, and allocation rules built in.
- Multi-bill consolidation into single e-slip
- Immutable amount after lock
- Configurable validity periods
- Automatic allocation to underlying invoices
E-Slip Preview
LockedReference
ES-2026-BA-00847
Validity
24 hours remaining
Bills included
3 invoices
Biller
Kenya Airports Authority
Ground handling
KAA-GH-2026-0041
Cargo handling
KAA-CRG-2026-0018
Fuel uplift
KAA-FUL-2026-0092
Auto-match first. Suspense capture second. Always transparent.
Risiva reconciles payments against invoices automatically, captures unmatched items into structured suspense queues, and provides daily review dashboards with bank statement matching.
- Automated matching with configurable rules
- Structured suspense queues with SLA tracking
- Bank statement reconciliation
- Biller posting status and ERP sync verification
Reconciliation Summary
March 10, 2026Total
1,847
Matched
1,736
Suspense
87
Failed
24
Every job tracked. Every exception visible.
Monitor API health, job execution, retry trails, and exception queues from operational dashboards. Dead-letter handling, escalation rules, and financial safety checks before any rerun.
- Job registry with execution proof
- Categorized exception queues
- Retry trace with financial safety gates
- Real-time API health monitoring
Operations Monitor
All healthyAPI uptime
99.97%
Avg response
142ms
Active jobs
12
Open exceptions
3
Invoice sync — KAA
2 min ago
Settlement file — Equity
In progress
Reconciliation — Daily
Scheduled 18:00
Security & compliance
Enterprise-grade security at every layer
Financial trust is built through transparency, auditability, and rigorous security controls. Risiva embeds these principles into every interaction.
End-to-end encryption
All data encrypted in transit and at rest using industry-standard protocols.
2FA / MFA authentication
Multi-factor authentication enforced across all roles and access levels.
Role-based access control
Granular RBAC with segregation of duties and role-aware navigation.
Immutable audit trails
Every action, state change, and financial posting logged and traceable.
Transaction screening
Configurable rules engine for payment validation and risk management.
Maker-checker approvals
Dual-authorization workflows for high-value and sensitive operations.
Webhook & callback controls
Secure callback handling with signature verification and replay protection.
Compliance-ready
Built to meet financial regulatory requirements in Kenya and beyond.
Developers
Integration-ready from day one
Risiva is not just UI-ready. It is built for deep enterprise integration with clean APIs, secure webhooks, structured settlement files, and a sandbox for safe development.
ERP connectors
Pre-built connectors for SAP, Oracle, and custom enterprise systems.
RESTful APIs
Well-documented APIs for billing, payments, wallets, and reconciliation.
Webhooks & callbacks
Real-time event notifications with signature verification.
Settlement files
Structured file exchange for bank settlement and reconciliation.
Idempotent operations
Safe retries with idempotency keys across all critical endpoints.
Sandbox environment
Full-featured test environment to build and validate integrations.
Performance
Built for reliability at scale
0%
Payment success rate
0%
Auto-reconciliation rate
<0hrs
Avg settlement turnaround
0%
Exception visibility
Modernize billing, collections, and wallet operations on one platform
Join enterprises across Kenya that trust Risiva to manage their entire collections lifecycle — from ERP sync to reconciled settlement.