Independent live-payment testing / Africa

Prove your payments work

AMI helps banks, fintechs and payment providers test live cross-border payments through verified local participants, showing the amount received, arrival time, payment details and the recipient’s experience.

Discuss Your Testing Needs How it works
Live-payment evidenceVerified local participants
A payment, seen from the receiving end
Independent verification of payments into AfricaA payment initiated by a bank, fintech, remittance provider or payment network travels to a recipient in Africa. AMI does not process the payment; verified local participants independently confirm receipt, delivery time, amount received and recipient experience.PAYMENT STARTS WITH YOUR PROVIDERBank / fintechRemittance / PSPAFRICALocal participant confirms the outcomeRecipientBank or mobile walletIndependent confirmationWHAT THE RECIPIENT CAN CONFIRMReceiptDelivery timeAmount receivedExperienceAMI verifies the receiving end. Your team initiates the payment.Independent verification of payments into AfricaYour provider initiates a payment to an African recipient. A verified local participant confirms receipt, delivery time, amount and experience. AMI does not process payments.PAYMENT STARTS WITH YOUR PROVIDERBank / fintechRemittance / PSPAFRICALocal participant confirms the outcomeRecipientBank account or mobile walletWHAT THE RECIPIENT CAN CONFIRMReceiptDelivery timeAmount receivedExperienceAMI verifies the receiving end. Your team initiates the payment.

PAYMENT EXPERTISE

The trusted benchmark for cross-border payment performance.

Built by industry experts with experience across the payment journey.

THE RECEIVING-END DIFFERENCE

Make payment performance visible.

The gap between a successful status and a successful payout can be costly.

Amounts checked

Compare expected and actual credits to identify unexplained payout differences.

Details validated

Check sender names and payment narratives at the receiving end.

Receipt verified

Confirm beneficiary receipt using statements, transaction advice and screenshots.

Delivery measured

Measure sender debit to beneficiary credit against the agreed SLA.

Findings you can act on

Use documented evidence to prioritise fixes and retest affected payment journeys.

Amounts checked

Compare expected and actual credits to identify unexplained payout differences.

Details validated

Check sender names and payment narratives at the receiving end.

Receipt verified

Confirm beneficiary receipt using statements, transaction advice and screenshots.

Delivery measured

Measure sender debit to beneficiary credit against the agreed SLA.

Findings you can act on

Use documented evidence to prioritise fixes and retest affected payment journeys.

Verified evidence. Better decisions.

What we test

The proof is at the receiving end.

Did the payment arrive, when did it land, and how much did the recipient receive? AMI coordinates live-payment tests with verified local participants to assess receipt, delivery time, amounts and the recipient experience.

Explore what we test
A recipient-side viewAgreed before testing
01

Receipt

Did it arrive?
02

Delivery time

When did it land?
03

Amount received

What was credited?
04

Recipient experience

What was the journey like?

How it works

From a payment question to local evidence.

A focused process, shaped around your payment route and the recipients you need to reach.

01

Set the question

Tell us which payment route, market and recipient experience you want to understand.

02

Agree the test

AMI aligns the testing plan with your team and matches it to verified local participants.

03

Run a live payment

Your team initiates the agreed payment. The participant confirms what arrived and when.

04

Review the evidence

Receive a clear account of receipt, delivery time, amount and recipient experience.

Discuss Your Testing Needs

Security and privacy, from the start.

  • Security assurance

  • Data handling

  • Access requirements

  • Evidence governance

  • Privacy requirements

  • Your review process

Explore security and standards

Why AMI

Local participation. Clearer decisions.

A successful send is only part of a successful payment. AMI helps your team understand the complete outcome from the recipient’s perspective.

  • Evidence from live payments, not assumptions about what happens after send.
  • Verified local participants who can confirm the recipient side of the journey.
  • A focused view of receipt, timing, amount and experience in one testing engagement.
A woman outdoors checking a smartphone in natural daylight.
A view from the receiving end.
Beyond a sender-side status

Understand what the recipient actually experiences.

A payment marked “sent” is only one part of the story. A participant can confirm what arrived, when it appeared, the amount available and the clarity of the receiving journey.

FAQs

A few useful details.

What does a live-payment test assess?

The test is designed to confirm whether a payment was received, how long it took, what amount arrived and how the recipient experienced the process.

Which countries and payment routes can AMI test?

Tell us the market and route you have in mind. AMI will discuss participant coverage and test feasibility with you before agreeing the scope.

Who initiates the test payment?

Your team sends the agreed live payment. The matched participant confirms receipt and shares the recipient-side experience.

How do we receive the findings?

AMI shares a clear summary of the agreed test observations, including payment receipt, delivery time, amount received and participant feedback.

Take the next step

Let’s define the payment journey you need to test.

Discuss Your Testing Needs