Bank & Payment Gateway Integration
Receive bank transfers and card payments, reconcile them and send payouts straight from your system
Bank instant payment notifications
Account number and reference matching
Bank statement import and matching
What is the Bank & Payment Gateway Integration?
Zinen Technologies connects business software to banks and payment gateways in Kenya and East Africa so money received is recorded without retyping. We integrate bank instant payment notifications, statement feeds, card and mobile payment gateways and bulk payout services with your ERP, POS, school, SACCO or custom system.
Which services are available depends on the bank and your agreement with them, so we begin by checking what your bank or gateway offers. Common integrations include Equity Jenga, KCB Buni, Co-operative Bank and I&M Bank notifications, and gateways such as Pesapal, with payments matched to invoices, fees or loan accounts automatically. Banks vary in how fast they onboard, so timelines depend partly on them.
Everything included in the Bank & Payment Gateway Integration
The results businesses see
- Bank payments are credited to the right customer or invoice automatically.
- Finance stops matching statement lines by hand.
- Customers can pay by card, mobile money or bank transfer.
- Payouts can be prepared from the same system.
- Callbacks are verified before they change records.
- Works across multiple banks.
- Pairs with M-Pesa integration for a complete payment picture.
- Documented, so it can be maintained.
Built and supported from Nairobi
Zinen Technologies is based at Bazaar Plaza, Moi Avenue, Nairobi. Every Bank & Payment Gateway Integration deployment is configured, tested and supported by a local team who understands how businesses in Kenya operate — including M-Pesa payments and local compliance requirements.
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Bank & Payment Gateway Integration — frequently asked questions
Which banks can you integrate with? +
We work with banks and gateways that offer APIs, notifications or statement feeds. Examples include Equity Jenga, KCB Buni, Co-operative Bank, I&M Bank and Pesapal. Availability depends on your account.
Do I need a special agreement with my bank? +
Usually yes. Banks enable API or notification services on request, and the process and timeline are theirs.
Can customers pay by card? +
Yes, through a card gateway integrated with your checkout or invoices.
Can you automate payroll or supplier payments? +
Where your bank supports bulk payment files or APIs, yes. A person should still approve payments.
How are payments matched to invoices? +
By reference or account number, and unmatched payments are flagged for review.
Is it safe? +
We verify callbacks, use HTTPS and keep credentials out of source code.
Do you integrate banks outside Kenya? +
We can build integrations in Uganda, Tanzania, Rwanda, Ghana and elsewhere where the bank or gateway offers an API.
Can this work with our school or SACCO system? +
Yes. Many of our school, SACCO and loan systems use bank notifications to credit accounts.
Related systems
Related articles
Bank API and Payment Gateway Integration in Kenya: IPN, Jenga, Buni and Pesapal
Bank transfers and card payments are still matched by hand in many finance teams. Here is how bank and gateway integrations work in Kenya.
M-Pesa Daraja API Integration: STK Push, Paybill and Automatic Reconciliation
M-Pesa integration means payments are recorded when they happen, not found later on a statement. Here are the main Daraja building blocks.
Ready to bring Bank & Payment Gateway Integration to your business?
Book a free demo and we'll show you exactly how it fits your workflow — no obligation.