The proof is at the receiving end.

Was it received?

Confirm whether the intended recipient received the payment.

Check the recipient-side outcome rather than relying only on a sender-side success message. For an agreed test, the participant confirms whether the payment reached the intended bank account or mobile-money wallet.

What we observe

• Receipt confirmed by the participant
• Destination account or wallet outcome
• Any difference between sender status and observed receipt

Understand whether a successful send translated into an actual beneficiary receipt.

When did it arrive?

Record the time between sending a payment and its receipt.

Compare the agreed sending timestamp with the observed receiving timestamp. We agree which events and evidence will be used before testing, so your team can interpret delivery times consistently.

What we observe

• Agreed start and receipt timestamps
• Elapsed delivery time for the test
• Delays or timing differences observed by the participant

Assess the delivery experience against your expectations and investigate where further review is needed.

How much arrived?

Compare the amount sent with the amount received.

Compare the expected payout amount and currency with what the participant actually receives. Record visible charges or deductions where evidence is available, without assuming that a difference proves its cause.

What we observe

• Expected and received amounts and currencies
• Visible fees or deductions
• Unexplained differences that need follow-up

See whether beneficiaries receive the amount they were led to expect.

What was it like to receive?

Capture the recipient’s experience and any friction along the way.

Ask participants about the receiving journey: how they knew the payment arrived, what payment information was visible and whether any steps were confusing. Agree the questions that matter to your customers before the test.

What we observe

• Notifications and payment references, where available
• Clarity of sender details and payment information
• Participant feedback on friction or additional steps

Understand the experience behind the transaction status and identify practical questions for your payout partners.

Bank-account and mobile-money payouts

Bank-account payouts

Test receipt into the participant’s agreed bank account, including the observed credit time, amount received and payment information visible to the beneficiary.

Mobile-money payouts

Test receipt into the participant’s agreed mobile-money wallet, including wallet credit, notifications and the amount available. Cash-out is a separate step and is only assessed when explicitly included in scope.

When to put a payment journey to the test

Before entering a corridor

Test the proposed payout journey in an African market before making wider rollout decisions.

When assessing a payout partner

Use an agreed set of live tests to review recipient outcomes alongside the partner’s reporting.

When delivery raises questions

Investigate delayed receipt, unexpected deductions or unclear notifications with evidence from the receiving end.

During ongoing monitoring

Repeat agreed tests to compare observations over time and identify changes that warrant attention.

A clear account of the payment outcome.

AMI shares a summary of the agreed observations: receipt, delivery time, amount received and participant feedback, supported by the evidence agreed for the engagement. Any missing or inconclusive observations should remain visible rather than being treated as a successful result.

Your team initiates the agreed live payment. AMI coordinates verified local participants and recipient-side observations; we do not provide a payment service or hold customer funds. Markets, routes, participant availability, evidence requirements and timing are agreed before testing. Findings describe the tested journeys, not a guarantee of every payment’s performance or an automatic diagnosis of a delay or deduction.