Mobile wallet and payment app development.
We build wallet, payment and agency banking apps for licensed providers and their partners: the customer and agent apps, the ledger behind them, onboarding, settlement and the back office your operations team works in. Every transaction is recorded once, can be traced end to end, and reconciles with the banks and networks you connect to.
- CCash deposit at an agentWallet credited, receipt sent
- NNew customer onboardedIdentity documents sent for review
- NNetwork timeout on a transferMarked pending, resolved, posted once
- EEnd-of-day settlementAgent balances matched to the bank file
A mobile wallet: what it is
A mobile wallet is an app that holds a balance or a link to a bank account or card and lets the user pay, send and receive money from a phone.
Trusted by 500+ Clients
What a payments platform from Moweb covers.
A common starting point: you are a payments provider, a bank, a lender or a business with an agent network, and you want customers and agents to move money from a phone under your brand. You hold the licence or work with a partner who does. What you need is the software: apps people trust with their money, and a system behind them that never loses track of a single transaction.
We build both. The apps cover what customers, agents and merchants do every day: sign up, deposit, withdraw, send, pay and check a balance. Behind them sits a ledger that records each movement of money once, the connections to the banks, mobile money networks and billers you work with, and a back office where your team reviews new customers, sets limits, handles disputes and reconciles at the end of the day.
Our portfolio includes Selcom Huduma, a mobile-first agency banking and digital payments platform in Tanzania. It is designed for agents and businesses, and brings secure transaction processing, customer onboarding and fund settlement into one operational flow, built for reliability and high transaction volumes. Our work on it covered the iOS and Android apps, the website, UI and UX design, the web back end and the API services.
The hard parts of moving money, and how we handle them.
A payments app is judged on the day something goes wrong: a dropped connection mid-transfer, a disputed withdrawal, a settlement file that does not match. These are the parts we design first.
Money is never lost and never counted twice
Every movement is posted to a double-entry ledger, so each debit has a matching credit and a balance can always be traced back to the transactions behind it. Each request carries a unique reference, so a retry after a timeout completes the original transaction instead of creating a second one.
Weak networks and basic phones
Agents often work where the signal drops. A transaction that loses its connection is held as pending with a clear status, not left for the user to guess, and is resolved automatically when the answer arrives. Screens are kept light so the app stays usable on older devices and slow data.
Security and fraud controls from the start
Sign-in is tied to the device and protected by a PIN or biometrics, data is encrypted in transit and at rest, and staff access to the back office is limited by role. Transaction limits and rules on unusual patterns hold suspicious activity for review, and every action leaves an audit trail.
Built to your regulator's and partners' rules
Moweb is a software company, not a licensed financial institution: the licence and the regulatory relationship stay with you or your partner. We build to the requirements your regulator, sponsor bank or payment scheme sets, such as identity checks at onboarding, limits by customer tier and the reports they ask for, and we document how each one is met.
How we build your payments platform.
Four steps, each with something you can check before we move on. The scope and price are fixed before the build starts.
Map the money flows and the rules
We chart every way money enters, moves and leaves, who earns a fee or commission at each step, and which regulator and partner rules apply. That map becomes the written scope and the test plan.
Build and test the ledger first
The ledger and transaction engine are built before the apps and tested against failure cases, such as timeouts, retries, reversals and partial settlements, using test accounts and your partners' sandbox environments.
Build the apps and the back office
Customer, agent and merchant apps and the operations console are built in releases you can use on test devices, with your team checking each flow against the map from step one.
Pilot, reconcile and go live
The platform runs with a small group of agents or customers first. We reconcile every pilot transaction against partner records, fix what differs, then widen the rollout with monitoring, alerts and a runbook.
What we build into a wallet or payments platform.
The parts most payment products need, grouped by who uses them: customers, agents and merchants, and your operations team.
Customer wallet app
Registration, balance, sending money, bill and merchant payments, transaction history and receipts on iOS and Android, with PIN and biometric sign-in and clear status on every payment.
Agent app
Cash deposits and withdrawals, customer onboarding at the counter, float balance, commission statements and an end-of-day summary, designed for speed at a busy shop and for patchy connections.
Merchant payments
Payments accepted by QR code or till number, instant confirmation to both sides, daily settlement to the merchant's account and statements a small business can reconcile.
Ledger and transaction engine
A double-entry ledger with fees, commissions, limits and reversals as configurable rules, unique references to stop duplicates, and a complete history behind every balance.
Onboarding and identity checks
Customer and agent registration with identity document capture, review queues for your compliance team, customer tiers with different limits, and a record of who approved what.
Settlement and reconciliation
Scheduled settlement to agents, merchants and partners, automatic matching of your ledger against bank and network files, and a worklist of the exceptions that need a person.
Bank, network and biller connections
Integrations with the banks, mobile money networks, card processors and bill aggregators you have agreements with, each isolated so a slow partner cannot hold up the rest of the platform.
Why payment providers work with Moweb.
What you get from us, and what we will tell you before you spend anything.
Agency banking work already delivered
Our portfolio includes Selcom Huduma, an agency banking and digital payments platform in Tanzania, where our work covered the iOS and Android apps, the website, the web back end and the API services.
Certified security and process
Moweb is ISO 27001:2022 certified and CMMI Level 3 appraised. Credentials and keys are stored encrypted, and access to your environments is limited to the people working on your project.
Fixed scope, owned outcome
We agree the scope, the money flows and the price before the build. A single team owns delivery through go-live, rather than selling you hours.
Honest advice on build versus buy
If a white-label wallet or your processor's own app covers what you need, we will say so on the first call. We build when your flows, your agent model or your integrations do not fit a standard product.
Where a custom payments app fits.
When a white-label wallet is enough.
White-label wallet products and the apps offered by payment processors give you standard features under your brand: sign-up, top-up, transfers and bill payment. If your product is a standard wallet, your partners are ones the vendor already supports, and you accept their roadmap and per-transaction fees, that route is faster and cheaper than a build. We will say so on the first call.
A custom platform earns its cost when the standard product does not match how your business moves money. Examples are an agent network with its own float and commission rules, local banks, networks or billers the vendor does not connect to, onboarding and limits shaped by your regulator, a ledger you need to own for audit, or per-transaction fees that outgrow the cost of owning the software. We can also build your apps and back office on top of a core you already license, when replacing it is not the goal.
Built with the right tools.
Production-grade technology, chosen to fit your stack and constraints.
Projects behind this page
Questions about Mobile Wallet App Development.
What teams ask before they start.
It depends on how many user types you serve, such as customers, agents and merchants, how many banks, networks and billers you connect to, the checks your regulator requires, and whether you need a new ledger or already have a core system. We fix the scope and price after a short discovery call, before any build work starts.
Proof
Work we have shipped.
Build a payments app your customers and agents can trust.
Tell us who moves money on your platform, which partners you connect to and what your regulator expects. We will tell you whether a ready-made product fits, or scope a fixed-price build.
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