Know what arrives. Not just what leaves.
For banks, fintechs, remittance providers, payment service providers and payment networks in Western markets sending payments into Africa. AMI Payments tests real payment journeys through verified local participants, so your team can see what happens at the receiving end.
Built for teams responsible for money moving.
Payment performance is experienced by the person or business receiving the funds. AMI gives payment teams a practical way to test that part of the journey in the markets that matter to them.
Banks
Check the last mile of an international transfer.
The challenge
Correspondent and payout-partner updates can confirm progress without showing when a beneficiary can actually use the funds. Your customer still needs a dependable answer about arrival and amount.
When to use AMI
Assess a new African payout relationship, validate personal or business transfers, or investigate a gap between a completed status and a beneficiary’s experience.
How AMI helps
AMI coordinates live tests with verified local participants to compare agreed delivery expectations with beneficiary receipt, credited amounts and the information shown on the account.
Fintechs
Validate the experience behind your payment product.
The challenge
A successful API response does not describe the whole customer journey. As you launch or expand, different markets and payout methods can create unexpected delays, deductions or confusing notifications.
When to use AMI
Test a new corridor, validate a bank-account or mobile-money payout integration, or check the recipient experience after changing a provider or product journey.
How AMI helps
AMI brings recipient-side observations to your release and expansion decisions, helping you compare what your product promises with what a local participant actually receives.
Remittance providers
Understand the experience of the person waiting for the money.
The challenge
For family and personal transfers, the amount available and the time it becomes usable matter more than a send confirmation. Unclear deductions or receipt messages can undermine confidence.
When to use AMI
Validate a new remittance corridor, compare payout partners, or investigate complaints about late arrival, short receipts or unclear payment details.
How AMI helps
AMI checks agreed delivery milestones, beneficiary receipt and the amount credited, alongside recipient feedback on notifications, sender identification and the receiving experience.
Payment service providers
Put payout-partner performance to a live test.
The challenge
Your customer sees one service, even when several partners handle delivery. Partner reporting alone may leave gaps in your understanding of bank-account and mobile-money outcomes.
When to use AMI
Assess a payout partner before onboarding, compare providers using an agreed test plan, or run repeat checks on priority corridors and payout methods.
How AMI helps
AMI supplies evidence from the receiving end to support partner discussions, investigate differences between reported and observed outcomes, and inform service improvements.
Payment networks
See how the network performs beyond the hand-off.
The challenge
Payment journeys cross multiple institutions and local payout arrangements. A consistent network proposition depends on understanding the beneficiary experience as well as each participant’s reported status.
When to use AMI
Validate a new network connection, assess local payout arrangements, or compare observed outcomes across selected African markets and participating providers.
How AMI helps
AMI runs scoped, recipient-side tests that help you identify differences in arrival time, amount and payment information, providing a practical basis for conversations with network participants.
Bank-account and mobile-money payouts
Bank-account payouts
Confirm the beneficiary’s account is credited, record the agreed receipt milestone and compare the amount credited with the expected amount. Where available within the agreed scope, review sender details, payment references and recipient-visible charges.
Mobile-money payouts
Confirm the transfer reaches the intended wallet and check the amount received, timing and notification experience. Distinguish wallet credit from any later withdrawal or cash-out step; those additional steps must be agreed separately.
What we verify
Delivery time
Compare agreed sending and receiving milestones, rather than assuming a provider’s completion message means the funds have arrived.
Beneficiary receipt
Gather agreed evidence from a verified local participant that the payment reached the intended account or wallet.
Amounts and deductions
Compare the expected and credited amounts, noting observable charges or deductions. An unexplained difference is a finding to investigate, not proof of its cause.
The payment experience
Understand how recipients recognise the payment, interpret notifications and access their funds, including friction that a status code cannot explain.
When to engage AMI
Enter a new corridor
Validate the receiving experience before you expand, and identify questions about timing, amount or payout method while you can still act on them.
Assess a payout partner
Test the same agreed questions across selected partners and use observed outcomes to inform onboarding or review discussions.
Investigate delivery issues
Reproduce a defined payment journey to understand a late arrival, a completed-but-not-received report or an unexpected difference in the amount credited.
Monitor ongoing performance
Agree repeat testing on selected routes to spot changes in recipient-side outcomes over time, rather than relying on a single successful test.
Agree the test. Understand the outcome.
Your team initiates the agreed live payment; AMI coordinates with verified local participants to record receipt, timing, amounts and experience. We agree the market, payout method, evidence requirements and success measures before testing. Findings reflect the journeys observed, not a guarantee for every transaction or corridor.