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Sente

Payments infrastructure

The payments backbone, ready to build on.

Move money across mobile money, banks, cards and borders through one API — every movement posted to one double-entry ledger that always balances.

Talk to us Read the developer guide

  • One double-entry ledger

    Every movement is a balanced set of postings. Balances are derived from them, never edited, so every figure can be traced.

  • Every rail, one API

    Mobile money such as M-PESA, MTN MoMo, Airtel and Orange, bank transfers, card schemes, PAPSS and stablecoins.

  • Cross-border, rate locked

    Exchange rates are quoted and locked before money moves, with ISO 20022 messaging between institutions.

  • Exactly once

    Every payment carries an idempotency key, so a network retry can never pay twice.

  • Checkout and live status

    Hosted checkout and QR payments, with every status change by webhook or a live event stream.

  • Three-way reconciliation

    Settlement files are matched so the rail, the bank and the ledger always agree — and any difference is flagged.

How it works

Step by step.

  1. 1Your system calls the Sente API.
  2. 2Compliance and fraud checks run on the payment.
  3. 3The funds are held on the ledger while the rail is called.
  4. 4On success the payment posts; on failure the hold is released. Money is never lost in between.

Built for

  • Fintechs
  • Marketplaces
  • Payroll and payouts
  • Remittance companies
  • Banks
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